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Portland  Car Insurance

Portland Car Insurance

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Portland car insurance rates

Portland and its surrounding cities have the most expensive car insurance in Oregon. But you can cut your car insurance bill in half in some cases even if you live in one of the most expensive ZIP codes for Oregon car insurance. We’ll show you how.

Drivers in ZIP code 97236 pay the highest rate in the state, $1,343 on average, a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($1,645) for that ZIP and the lowest ($948) is $697.

Why comparing car insurance quotes saves you money

The price for a policy can vary significantly. That’s because insurance companies assess risk differently, and therefore each uses a different calculation to set rates. That’s why you should compare car insurance rates before you close the deal.  To see how other Portland car insurance rates compare, use our average rates tool below. Enter a ZIP code to see the average rate, as well as the highest and lowest from six carriers surveyed.

Portland Car Insurance Rates by ZIP Code

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES In Oregon
HIGHEST RATE:
  • 97236- PORTLAND: $1,343
  • 97233- PORTLAND: $1,326
  • 97211- PORTLAND: $1,324
  • 97218- PORTLAND: $1,324
LOWEST RATE:
  • 97330- CORVALLIS: $929
  • 97401- EUGENE: $937
  • 97477- EUGENE-SPRINGFIELD: $942
  • 97403- EUGENE: $943

Here's how Portland’s highest average rate ($1,343) compares to others:

  • $414 more than the least expensive average rate ($929) in Oregon, Corvallis ZIP code 97330
  • $280 more than the state average ($1,063)
  • $112 more than the national average rate ($1,231)

You’ll see in the chart below the top 12 most expensive ZIP codes in the state are in Portland and adjacent Gresham and Maywood Park areas.

Portland car insurance rates: Highest in Oregon

ZIP code

Average annual rate

Highest rate

Lowest rate

97236

$1,343

$1,645

$948

97233

$1,326

$1,645

$948

97211

$1,324

$1,633

$1,039

97230

$1,324

$1,645

$948

97218

$1,324

$1,633

$1,040

97216

$1,321

$1,588

$1,040

97266

$1,321

$1,452

$1,040

97213

$1,320

$1,633

$1,024

 97220

$1,319

$1,588

$1,040

97203

$1,307

$1,633

$1,024

97217

$1,307

$1,633

$970

97030

$1,306

$1,645

$948

*ZIP code methodology: CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2014 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Portland car insurance requirements

Oregon state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $20,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $15,000 limit

Cheapest car insurance in Portland

The cheapest car insurance you can get will be the lowest liability limits needed to drive legally in the state.  In Oregon, (written as 25/50/20) that means your liability car insurance would pay up to:

  • $25,000 for injuries you cause to others
  • $50,000 per accident
  • $20,000 for damage you cause to others' cars and property

Oregon car insurance laws also require you to have $25,000 worth of uninsured motorist coverage and underinsured motorist coverage for medical expenses, up to $50,000 per accident. This kicks in if you are in an accident with a driver who doesn’t have insurance or has very little coverage. You are also required to have $15,000 of personal injury protection insurance to pay for your medical expenses and to compensate for funeral or lost wages, regardless of who caused the accident.

The state average rate for a year of minimum coverage is $1,007, according to our rate analysis. You would pay just $65 more if you increased your liability coverage to 50/100/50, the average rate would be $1,072.

Best car insurance in Portland

You should buy liability insurance in the following amounts if you want to prevent having to pay for damages for a sever accident, or if you own a home or have savings you want to protect:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are fairly affordable. Comprehensive costs $87 and collision costs $207, on average per year in Oregon, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That’s the amount you pay for each incident when you file a claim before your insurance pays out. Insurers usually offer deductibles of $1,000, $500 and $250. The higher the deductible is, the lower your rate will be.

Oregon car insurance rates for coverage recommendations

100/300/100

Men

Women

State average

With $1,000 deductible

$1,782

$1,612

$1,697

With $500 deductible

$1,951

$1,758

$1,855

With $250 deductible

$2,096

$1,882

$1,989

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

Driving in Portland

Traffic in Portland: As with most major cities, traffic can be congested, especially during rush hour, but Portland did not make a list of the worst U.S. cities for traffic recently reported by USA Today.

Car crashes: Major accidents have resulted in an average of 35 deaths a year in recent years (2012-2014).

Commuting: The average commute lasts 23.9 minutes in Portland.

Public transportation: The U.S. Census Bureau says that the majority of riders in Portland who commute to work by public transportation are white (about 68 percent), Hispanic (about 11 percent) and black (about 8 percent). The bureau notes that commuting is the main reason people use mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Oregon, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.

Smog rules: In Portland you must have a vehicle tested for emissions every two years to be registered. After moving to Oregon, you have 30 days to have a vehicle tested. Vehicles from 1975 and older are exempt.

Bad intersection: Where S.E. 82nd Avenue and Powell Boulevard meet is considered one of the worst intersections in Portland, with dozens of accidents occurring there every year.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.