In Portland, Kemper, State Farm and Progressive offer the most affordable car insurance options. However, rates can change based on your driving history and the level of coverage you need. Below is a breakdown showing which company is the most affordable in different common categories.
Cheapest Car Insurance in Portland, OR
Updated: December 24, 2024
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Key Takeaways
Kemper, Travelers, GEICO, Progressive and State Farm are the cheapest car insurance companies in Portland.
The lowest monthly rates in Portland are $55 for minimum coverage and $85 for full coverage.
On average, car insurance in Portland costs $101 per month for minimum coverage and $162 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Division of Financial Regulation and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Portland
| Kemper | Minimum Coverage | $55 |
| Kemper | Full Coverage | $85 |
| Nationwide | Teens | $173 |
| Kemper | Young Adults | $50 |
| Kemper | Senior Drivers | $58 |
| Kemper | Drivers With Bad Credit | $93 |
| Kemper | Drivers With a Speeding Ticket | $67 |
| Progressive | Drivers With a DUI | $84 |
| Kemper | Drivers With an Accident | $74 |
| USAA | Military Affiliated Drivers | $53 |
Cheapest Car Insurance Coverage in Portland
To find the cheapest car insurance in Portland, compare rates from various providers. Factors like age, driving history, vehicle type and coverage needs all play a role in determining cost. Remember, the cheapest car insurance in Oregon may not be the least expensive in Portland. By shopping around for car insurance quotes, you can find affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Portland
Kemper offers the cheapest minimum coverage car insurance in Portland at $55 per month, while Travelers follows with a rate of $67. Check the table below to explore more providers offering great rates for minimum coverage.
| Kemper | $55 | $46 |
| Travelers | $67 | $33 |
| GEICO | $69 | $31 |
| Progressive | $75 | $26 |
| State Farm | $75 | $25 |
| Capital Insurance Group | $76 | $24 |
| Country Financial | $79 | $22 |
| American Family | $83 | $18 |
| Nationwide | $89 | $11 |
| Farmers | $94 | $6 |
Cheapest Full Coverage Car Insurance in Portland
Kemper offers the cheapest full coverage car insurance in Portland at $1,019 per year. Check the table below to explore other providers with the best rates for full coverage.
| Kemper | $85 | $77 |
| State Farm | $138 | $24 |
| Farmers | $156 | $6 |
| American Family | $113 | $49 |
| Travelers | $114 | $48 |
| GEICO | $129 | $32 |
| Progressive | $132 | $30 |
| Country Financial | $133 | $29 |
| Nationwide | $134 | $27 |
| Capital Insurance Group | $136 | $26 |
Cheapest Car Insurance in Portland by Age
In Portland, car insurance rates can change with age. Young drivers often pay more because they're new on the road. Rates usually decrease over time, but they can climb again after 70. Below, see which companies offer the best deals for different ages.
Cheapest Car Insurance in Portland for Teens
Teens in Portland can find the cheapest car insurance with Kemper, Nationwide and State Farm. Check the table below to see the lowest rates for this age group in the city.
| Nationwide | $173 | $70 | $385 | $73 |
| Kemper | $227 | $16 | $329 | $129 |
| State Farm | $230 | $13 | $283 | $175 |
Cheapest Car Insurance in Portland for Young Adults
Kemper offers the cheapest car insurance for young adults in Portland at $606 per year, 55% below the city average. For those seeking affordable alternatives, Travelers, Progressive and State Farm also provide competitive rates.
| Kemper | $50 | $61 |
| Travelers | $75 | $36 |
| Progressive | $78 | $33 |
| State Farm | $81 | $30 |
| GEICO | $84 | $28 |
| American Family | $92 | $20 |
| Capital Insurance Group | $92 | $19 |
| Country Financial | $99 | $12 |
Cheapest Car Insurance in Portland for Seniors
Kemper offers the cheapest car insurance for seniors in Portland at an annual rate of $692. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Kemper | $58 | $43 |
| GEICO | $65 | $35 |
| Travelers | $71 | $30 |
| Capital Insurance Group | $71 | $30 |
| State Farm | $71 | $30 |
| Progressive | $72 | $29 |
| Country Financial | $79 | $21 |
| American Family | $83 | $17 |
| Nationwide | $91 | $10 |
Cheapest Car Insurance in Portland for Drivers With Bad Credit
A low credit-based insurance score may lead to higher premiums compared to those with good scores. For Kemper has the cheapest car insurance for drivers with bad credit, with a yearly rate of $1,113. Review the table below for more options from other providers.
| Kemper | $93 | $68 |
| Progressive | $104 | $57 |
| GEICO | $108 | $53 |
| Capital Insurance Group | $113 | $48 |
| Country Financial | $127 | $33 |
| Travelers | $127 | $33 |
| Nationwide | $142 | $19 |
| American Family | $152 | $9 |
| Farmers | $155 | $5 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts, bundling different insurance policies with the best home and auto bundle and comparing personalized quotes from multiple companies. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Portland After a Driving Offense
Insurance providers assess risk to calculate car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations is more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Portland After a DUI
Portland drivers with a DUI can still find affordable car insurance. Progressive offers the cheapest minimum coverage at $1,011 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| Progressive | $84 | $57 |
| State Farm | $86 | $56 |
| American Family | $100 | $41 |
| Country Financial | $105 | $36 |
| Capital Insurance Group | $108 | $34 |
| Travelers | $113 | $28 |
| Kemper | $125 | $16 |
| Farmers | $136 | $5 |
Cheapest Car Insurance in Portland After an Accident
Kemper provides the most affordable minimum coverage car insurance for drivers with an at-fault accident in Portland, with an annual rate of $885. Check the table below to explore options from other providers and find the most affordable rates.
| Kemper | $74 | $65 |
| Capital Insurance Group | $93 | $46 |
| Travelers | $99 | $40 |
| State Farm | $102 | $37 |
| Country Financial | $102 | $37 |
| American Family | $103 | $36 |
| Nationwide | $121 | $18 |
| GEICO | $122 | $17 |
| Progressive | $125 | $14 |
Cheapest Car Insurance in Portland After a Ticket
Kemper offers the most affordable car insurance for drivers in Portland with a speeding record at $803 annually. Capital Insurance Group follows with a rate of $1,020. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| Kemper | $67 | $56 |
| Capital Insurance Group | $85 | $38 |
| State Farm | $86 | $38 |
| Progressive | $93 | $30 |
| Travelers | $94 | $29 |
| GEICO | $98 | $25 |
| American Family | $100 | $23 |
| Country Financial | $101 | $22 |
| Nationwide | $118 | $6 |
| Farmers | $120 | $3 |
Cheapest Car Insurance in Portland for Military Drivers
Military drivers in Portland, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. For affordable options, the cheapest car insurance providers for military drivers are USAA at $631 annually and Kemper at $662 for minimum coverage.
| USAA | $53 | $44 |
| Kemper | $55 | $42 |
| Travelers | $67 | $29 |
| GEICO | $69 | $28 |
| Progressive | $75 | $22 |
| State Farm | $75 | $22 |
| Capital Insurance Group | $76 | $21 |
| Country Financial | $79 | $18 |
| American Family | $83 | $14 |
| Nationwide | $89 | $8 |
| Farmers | $94 | $3 |
Car Insurance Quotes in Portland
The estimated car insurance rates above offer Portland drivers a glimpse into expected premiums, serving as a useful starting point for those seeking affordable options. With insurers considering personal factors, obtaining quotes remains the most reliable method for determining how much car insurance will truly cost in Portland.
Compare Portland Car Insurance Estimates Online
Since each insurer weighs the personalized factors for car insurance costs differently, comparing quotes from multiple companies is essential to find the most affordable rate. As a Portland driver, I can enter basic personal info into MoneyGeek's tool and receive multiple car insurance quotes in minutes. USAA and Kemper offer competitive rates, with USAA's monthly liability rate at $53 and Kemper at $55.
Car Insurance Calculator
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Rates updated:
Dec 24, 2024
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Car Insurance Agencies in Portland
While comparing car insurance quotes online is quick for finding affordable coverage, Portland residents seeking personalized service should contact local agencies for specific needs. The table below includes names, review ratings, and contact information for top car insurance agencies in the area.
How Much Does Car Insurance Cost in Portland?
In Portland, full coverage car insurance averages $1943 yearly. State minimum coverage costs less, averaging $1208 annually. Keep in mind, these rates are for a 40-year-old with good credit and a clean driving record; your rate may differ.
Portland Auto Insurance Cost by Driver Profile
Below is a table of average auto insurance costs for various driver profiles. Compare these rates to see if your current plan is affordable.
| Teen Drivers | No Data | $458 |
| Young Adults | $112 | $184 |
| Senior Drivers | $100 | $157 |
| Drivers With Bad Credit | $160 | $261 |
| Drivers With a Speeding Ticket | $123 | $204 |
| Drivers With a DUI | $141 | $233 |
| Drivers With an Accident | $139 | $229 |
| Military Affiliated Drivers | $97 | $157 |
How Expensive Is Car Insurance Portland?
Car insurance in Portland costs about 33% more for minimum coverage and 29% more for full coverage compared to Oregon's averages, with rates at $101 and $162 per month, respectively.
| Portland Avg Rate | $101 | $162 |
| Oregon Avg Rate | $76 | $126 |
| vs Oregon Avg Rate | $-25 | $-36 |
Car Insurance Requirements in Portland
In Oregon, drivers must carry car insurance that meets the state's minimum coverage limits. These requirements are in place to ensure that all drivers have financial protection for bodily injury and property damage liabilities.
Here are the minimum coverage amounts required in Oregon:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $20,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident.
- $15,000 personal injury protection (PIP) per person.
An auto insurance policy provides a safety net against costs from accidents. Liability coverage specifically helps pay for damage or injuries you may cause to someone else when you're at fault.
For instance, if you're at fault in an accident and the other driver sustains injuries, your bodily injury liability coverage would pay up to $25,000 for that person's medical expenses. It's essential to have adequate coverage to protect your finances.
For those needing SR-22 insurance in Portland, remember that the state minimums are the least you must have to drive legally.
Cheapest Car Insurance in Portland: Bottom Line
Getting the cheapest car insurance in Portland depends on things like your age and driving record. Kemper and State Farm are often the go-to for affordable plans. But don't stop there! Always compare quotes from different companies to make sure you're saving the most money.
Cheap Portland Car Insurance: FAQ
MoneyGeek answers common questions about finding affordable car insurance in Portland. We help you explore the best coverage options for your needs, making it easier to choose the right plan.
What is the cheapest car insurance company in Portland, Oregon?
The cheapest car insurance company in Portland, Oregon, is typically Kemper, with monthly rates of $85 for full coverage and $55 for minimum coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Portland, Oregon?
The average cost of car insurance in Portland, Oregon, is around $1,943 per year for full coverage, while minimum coverage averages approximately $1,208 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Portland, Oregon, expensive?
Yes, car insurance in Portland, Oregon, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Portland, OR
To help Portland drivers find the most affordable auto insurance companies, MoneyGeek analyzed Portland auto insurance rates based on data and information from the Oregon Division of Financial Regulation and Quadrant Information Services.
Portland Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Portland with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Portland
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oregon are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.