Updated: December 20, 2024
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The best Portland car insurance company for you depends on factors like your driving background and unique needs. According to our analysis, Country Financial works well with most drivers. Teens, however, may get the best deal from Nationwide. Those with new cars may prefer Travelers. And if you care about customer service at any price, check out Capital Group Insurance.
If price is your number one factor, MoneyGeek has also ranked the cheapest car insurance in Portland.
In Portland, Country Financial is recognized as the top choice for full coverage car insurance, noted for its balance of affordability and customer satisfaction, with a MoneyGeek score of 81 out of 100 and an annual premium of $1,035.
For military members in Portland, USAA emerges as the top choice for full coverage car insurance, boasting a high MoneyGeek score of 85 out of 100, reflecting its tailored service and exceptional suitability for the military community.
In Portland, Country Financial offers the most competitive annual premium for minimum coverage at $614 and a high MoneyGeek score of 82, while Capital Insurance Group provides a solid alternative with a score of 79 and a yearly premium of $782, renowned for its excellent customer service.
Why Trust MoneyGeek? Using data from six different sources, including the Oregon Division of Financial Regulation and Quadrant Information Services, we developed an insurance ranking system for carriers based on customer happiness, claims experience, necessary coverages, affordability and financial strength.
MoneyGeek's top picks for auto insurance carriers in Portland, Oregon, include:
Country Financial is also ranked as the best car insurance in Oregon. It may be great for people who want low premiums and aren't concerned about excessive coverage. It has a spotty track record in claims management but can balance this with excellent customer service.
The top choice for active and veteran military is USAA, which received 85 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Ranked #2 in affordability
Ranked #2 in satisfaction
Offers roadside assistance, rental car and travel reimbursement and personal effects coverage
Lackluster performance in handling claims
Lacks common options like gap insurance and original equipment manufacturer (OEM)
Country Financial offers few coverage options, but the ones it has are top-notch. For example, personal effects coverage safeguards up to $800 worth of belongings in your car against theft. Roadside assistance comes to your aid if you break down or run out of gas while driving, up to a total cost of $100. Lastly, rental car and trip interruption coverage can come in handy if you're in an accident while on a trip. You could get up to $800 toward your rental car. This protection extends to transportation, hotel and food if you're more than 100 miles from home.
Country Financial is our top pick among the 12 Portland-based insurance companies we researched. It earned the second-highest ratings for price and customer satisfaction. The company's average annual rate of $1,035 is only second to State Farm’s $1,008. However, State Farm’s other scores score pulled its overall ranking down to #4.
The rates are for comprehensive policies. We only gave companies a MoneyGeek score if we had enough information to use all of the scoring system's factors.
| Country Financial | 81 | $1,035 | 5 | 3 | 3 | 4 |
| American Family | 77 | $1,292 | 4 | 3 | 5 | 3 |
| Capital Insurance Group | 77 | $1,556 | 5 | 3 | 1 | 3 |
| State Farm | 76 | $1,008 | 4 | 2 | 3 | 5 |
| Travelers | 74 | $1,318 | 4 | 3 | 4 | 5 |
| GEICO | 73 | $1,274 | 4 | 2 | 3 | 5 |
| Nationwide | 72 | $1,119 | 3 | 2 | 4 | 4 |
| Progressive | 71 | $1,305 | 3 | 2 | 4 | 4 |
| Allstate | 66 | $1,591 | 3 | 2 | 4 | 4 |
| Farmers | 66 | $1,626 | 3 | 2 | 4 | 3 |
| Kemper | 45 | $1,573 | 1 | 2 | 1 | 2 |
| Dairyland | No Data | $4,022 | 4 | No Data | 4 | 4 |
Insurers with the most outstanding customer service in Portland (excluding price) are:
Our research suggests Capital Insurance Group can deliver an excellent combination of good customer service and claims handling. It also scores well in affordability, but its premiums are in the middle compared to its competitors. If you’re after the cheapest option, you may need to look elsewhere.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Ranked #1 in claims management
Ranked #1 in customer satisfaction
Offers roadside assistance and custom parts coverage
Very few coverage options
No OEM, rental car and travel reimbursement and gap insurance
Capital Insurance Group provides high-caliber service and stellar claims handling. However, the insurer doesn't offer as many coverage options as some competitors, including OEM, rental car and travel reimbursement and gap insurance.
But its roadside assistance and custom parts coverage deserve to be considered. The former can be added to your policy whether you have commercial or personal insurance and may include flat tire repair, battery jump starts and fuel delivery. The latter covers repairs or replacement of your vehicle’s modifications, which may be good news for owners of modified vehicles.
Good customer service should make sure every client feels valued, especially when things go awry. Capital Insurance Group generally does this better than every insurer in Portland, Oregon. Although it doesn’t have the lowest premium, it keeps its prices accessible, so policyholders typically get a good deal.
Portland's leading minimum coverage insurers, according to our research, are:
The cheapest policies often provide the least protection against liability costs and no protection from damage to your vehicle. The mandatory insurance levels for auto insurance in Oregon are uniform across the state.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
Affordable minimum coverage policy costs $614 per year
Offers bundling, safe driving and early signing discounts
Ranked #2 in affordability and customer service
No paperless and pay-in-full discounts
Subpar scores in claims handling and coverage
Country Financial's barebones policy still generally offers great service. The company goes above and beyond customer expectations even with its low rates.
In Portland, Oregon, Country Financial offers discounts to make its policies more affordable. Its bundling discount, for instance, qualifies you for a rate reduction if you have another policy or account with the company. You can also get a discount if you remain accident- and ticket-free for three years. Finally, its early signing discount can lower your bill if you get a new quote before your existing policy expires.
A good minimum coverage policy provides enough security for all the essentials. Though you may assume cheap equals bad customer service, the best of both worlds can be found with some digging.
The top auto insurance providers for young adult drivers are:
We found Country Financial offers strong customer service coupled with affordable rates. Its policyholders may expect to be treated with care and concern if they get into an accident.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Offers driver’s education and defensive driving discounts
Ranked #2 in affordability at around $1,358 per year
Ranked #2 in customer satisfaction
Scant coverage options
Below-average claims management
Country Financial has fewer coverages than some other companies, but its policies are often less expensive and more reliable. It also has several opportunities for young drivers to save, such as a driver’s education discount for newly licensed drivers who have completed the company's Simply Drive course. You could also get a discount by taking a state-recognized defensive driving course. Additionally, you may want to take advantage of rare supplementary coverages like safety glass coverage, which waives your deductible if you need to have your windshield, windows or headlight covers fixed.
In general, young adults are statistically likelier to be in an accident and have difficulty paying for repairs. This means a good policy for them is affordable, covers as much as possible and can help them get back on the road fast. Country Financial doesn’t skimp on service to give you a cheap deal.
Some of the priciest people to ensure are teens, particularly 16-year-old male drivers. Adding them to your family policy rather than buying them a separate one can save you some money. Using that information as our baseline, the top auto insurance providers for teenagers are:
Nationwide and Allstate score highly for affordability and coverage. While Nationwide's claims score isn't fabulous, it significantly beats out Allstate. On the other hand, Allstate outperforms Nationwide in customer satisfaction.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
#1 in affordability for families and #3 for individuals
Tied for #1 for coverage
Good student and multi-car discounts available
Claims coverage leaves something to be desired
Nationwide Insurance shines in affordability, coverages and discounts. When it comes to 16-year-old male drivers, it offers the cheapest annual family premium at $2,174 and the third-cheapest annual individual premium at $8,455. As you can see, it makes a huge difference when a young driver is added to a policy! Guardians adding young drivers to policies may be particularly interested in Nationwide’s good student and multiple car discounts, as a decent student can cost less than a suffering one. If you’re adding a car to the plan, you already qualify. It also offers most coverages that Portland drivers need. Though outperforming Allstate, Nationwide doesn’t rock at claims, earning 2.39 out of 5 on our scale. However, its satisfaction score is higher than average, so things may iron themselves out in the end.
A teen's car insurance policy should be reliable and offer the protection they need in case of an accident. Teenage drivers are statistically high-risk drivers and charged higher rates, which also means affordability may also be at the top of your concerns. Nationwide meets these needs and more.
Our top picks for senior auto insurance in Portland are:
Country Financial might be an excellent choice for senior drivers seeking affordable rates. Although it has a less-than-stellar claims handling record and coverage options, its dedication to its customers may be enough to compensate.
Insurers often charge senior drivers in their 70s more than younger drivers in their 30s, 40s and 50s. Seniors who do some comparison shopping might discover a good deal on auto insurance.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Ranked #2 in affordability, at around $1,009 per year
Ranked #2 in customer satisfaction
Offers an anti-theft discount
Needs improvement in claims payout record
Lacks some coverage options
Senior drivers looking for low rates and good service may find Country Financial can offer these in spades. Moreover, the company offers discounts for drivers with good driving records and who enroll in a defensive driving course. These discounts help seniors save on their insurance premiums while providing added peace of mind.
Country Financial doesn't have the best coverages, but it offers roadside assistance and rental car and trip interruption reimbursement. It also has personal effects coverage. All of this can keep your finances safe if things go sideways.
As you get older, it's important to have insurance matching your needs. One thing to look for in a car insurance policy is coverage in the case of an accident, such as personal injury protection (PIP) or medical payments coverage. Discounts may also help. That said, senior drivers are generally considered low-risk and get lower rates.
Portland's top auto insurance providers for drivers with tickets are:
Country Financial's affordability and customer service may make it a good option for drivers with poor records. If your driving record isn't in good standing, you need an insurer like Country Financial to help you get your footing.
Portland drivers' insurance premiums might vary based on the severity of an infraction. For example, a full coverage policy for those with a DUI may cost around $793 more per year than for those without. Meanwhile, individuals with speeding tickets likely pay an average of $227 more per year than those without.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Ranked #4 in affordability at around $1,584 per year
Ranked #2 in client satisfaction
Offers roadside assistance, rental car and trip interruption reimbursement, glass deductible modification and new car replacement coverage
Lacks some nice-to-have coverage options like accident forgiveness
Needs to strengthen its claims management
Country Financial offers several auto insurance options for drivers who have had a lapse in their driving history at a reasonable price. Its representatives may also provide excellent customer service to help you find the right plan for you. Coverages include roadside assistance, rental car and trip interruption reimbursement, glass deductible modification and new car replacement coverage. However, Country Financial doesn’t offer accident forgiveness.
A good insurance company is ready to work with you if you've had an offense in the past. For example, it may be willing to offer you coverages and discounts to help you improve your driving habits over time. Based on our research, Country Financial can make this possible through its range of budget-friendly car insurance products.
The best companies in Portland for those with a new car are:
This category was ranked based on affordability and service quality for drivers with a 2022 model car in Oregon, emphasizing insurers offering better or new car replacement coverage. This replaces your car if it’s totaled rather than paying you the depreciated value of your vehicle. Travelers’ low rates and exceptional coverage options make this company worth considering.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Ranked #1 in affordability, at around $1,301 per year
Above-average rating in coverage
Offers new car replacement and gap insurance
Satisfactory performance in customer service and claims payout
Doesn’t offer OEM coverage
Among the four companies evaluated for this category, Travelers stood out for its affordability and coverage options, including its new car replacement coverage. If your brand-new vehicle is totaled during the first five years, this pays for a new model of the same car. Travelers also offers gap insurance. Whether you financed or leased your car, gap insurance may protect you from financial loss. In the event of a complete loss, this insurance coverage may reimburse you for any funds short of paying off your car loan or lease.
Ideally, insurance companies selling policies to drivers with new cars should include new or better car replacement coverages. Travelers’ competitively priced policies and coverage options might appeal to the unique needs of new car drivers.
You can discover the best vehicle insurance in Portland by comparing quotes, policies, customer service and claims processing times across many companies. We suggest you take the following actions if you want to supplement our rankings with your research.
Using data from J.D. Power and the National Association of Insurance Commissioners, MoneyGeek's score methodology evaluated companies based on customer satisfaction. Because we've already done the groundwork, you may use these references to verify our results. Whether you want more information on insurance in general or about a specific insurance company in the state, Oregon’s Division of Financial Regulation may be a good place to start.
We suggest receiving quotes from at least three providers to get a feel for the range of prices for auto insurance. Your actual rates may vary from the averages shown by MoneyGeek due to variables like age, location and driving history.
Don't sign a policy without researching the insurer's coverages and any discounts in your area. Companies might make claims about coverages and discounts on their websites while not delivering them in all areas. Calling the insurance company or visiting their local website can help you verify which plans are available where you live.
You should also consider the provider's financial stability rating. The strength of a company's finances indicates how well it can keep its word, regardless of fluctuations in the market. When it comes to paying out claims, larger insurance firms often have greater financial resources at their disposal than their smaller counterparts.
Choosing the right auto insurance company in Portland depends on your specific needs and history. Here are some frequently asked questions and our answers to them.
With a MoneyGeek score of 81 out of 100, Country Financial is our highest-rated Portland auto insurance company because of its reasonable average annual costs of $1,035 and exceptional customer service. Young and senior drivers, as well as those with traffic offenses, might benefit from choosing this insurer. It may not have the most extensive coverage options and stellar claims history, but it covers all the bases for the typical driver.
The lowest-priced auto insurance in Portland is offered by Country Financial, with a barebones policy costing around $614 annually. Therefore, it was given an 82 out of 100 in this category. The insurance company provides opportunities for policyholders to save money, such as discounts for completing defensive driving courses, combining policies and remaining claims-free.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
