CarInsurance.com Insights
- CarInsurance.com’s research shows that Oregon Mutual Insurance and Country Financial offer the lowest state minimum car insurance rates in Portland, with yearly premiums of $625 and $661, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Portland can save an average of $3,113 per year on full coverage car insurance.
- Drivers in Portland with a speeding ticket can find the cheapest full coverage car insurance with Travelers, at an average annual cost of $3,023.
- Travelers stands out as an affordable option for drivers with a DUI in Portland, with average full coverage cost of $3,172 per year.
Based on a detailed data analysis, Oregon Mutual Insurance, Travelers, and Country Financial are the insurers that offer cheap full coverage car insurance rates for drivers in Portland, Oregon.
In Portland, an adult with a clean driving record and good insurance score typically pays $1,003 per year for a state minimum car insurance policy and expect to pay $2,376 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Portland.
Who offers the cheapest car insurance rates in Portland, Oregon?
Oregon Mutual Insurance offers cheap car insurance rates in Portland at an average annual cost of $625 or $52 per month for state minimum coverage and $124 per month for a full coverage policy, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Portland drivers.
| Insurance company | Annual premium |
|---|---|
| Oregon Mutual Insurance | $1,486 |
| Travelers | $2,013 |
| Country Financial | $2,049 |
| GEICO | $2,103 |
| Nationwide | $2,359 |
| State Farm | $3,210 |
| Farmers | $3,400 |
| Progressive | $4,599 |
| USAA | $1,726 |
Average car insurance rates in Portland
According to our rate analysis, the average cost of car insurance for state minimum coverage in Portland is $1,003. For liability-only coverage with limits of 50/100/50, you would pay $7 more a month or $89 more a year.
You can get full coverage (100/300/100) by paying $114 more a month or an additional $1,373 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,003 |
| Liability only (50/100/50) | $1,092 |
| Full coverage (100/300/100, $500 ded.) | $2,376 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,575 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,179 |
| Non-owners | $973 |
Cheapest rates for drivers in Portland, Oregon, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Country Financial | $4,097 |
| Young adults (20-24) | Country Financial | $2,600 |
| Adults (25-60) | Oregon Mutual Insurance | $1,524 |
| Seniors (65-75) | GEICO | $1,756 |
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Cheapest car insurance rates for Portland drivers after a speeding ticket
According to our data analysis, Travelers offers the cheapest car insurance rates for drivers in Portland with speeding tickets, at an average annual cost of $3,023 or $252 per month. State Farm and Nationwide also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Portland drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,013 | $3,023 | 50% |
| State Farm | $3,210 | $3,440 | 7% |
| Nationwide | $2,359 | $3,799 | 61% |
| GEICO | $2,103 | $4,146 | 97% |
| Farmers | $3,400 | $4,328 | 27% |
| Progressive | $4,599 | $6,084 | 32% |
| USAA | $1,726 | $2,219 | 29% |
Cheap car insurance for drivers with a DUI in Portland
If you’re a driver with a DUI in Portland, finding affordable car insurance can be challenging. However, Travelers, State Farm and GEICO offer cheap car insurance rates for drivers in Portland after a DUI conviction.
The table below lists affordable car insurance companies in Portland that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,013 | $3,172 | 58% |
| State Farm | $3,210 | $3,440 | 7% |
| GEICO | $2,103 | $4,731 | 125% |
| Nationwide | $2,359 | $5,166 | 119% |
| Progressive | $4,599 | $5,564 | 21% |
| Farmers | $3,400 | $5,821 | 71% |
| USAA | $1,726 | $2,889 | 67% |
Affordable car insurers for Portland drivers after an at-fault accident
An at-fault accident in Portland can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Portland, Travelers offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include Nationwide and State Farm.
The table below shows affordable auto insurance options for drivers in Portland with a history of at-fault accidents.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,013 | $2,921 | 45% |
| Nationwide | $2,359 | $3,096 | 31% |
| State Farm | $3,210 | $4,034 | 26% |
| GEICO | $2,103 | $4,045 | 92% |
| Farmers | $3,400 | $6,088 | 79% |
| Progressive | $4,599 | $7,792 | 69% |
| USAA | $1,726 | $2,705 | 57% |
How you can save on your car insurance policy
You can save an average of $3,113 annually or $259 monthly on a full coverage policy in Portland, Oregon, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Expert’s take on getting car insurance in Portland
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Portland, Oregon. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed February 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed February 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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