Home Car insurance Average car insurance cost Car insurance rates by state Oregon Portland, OR Average car insurance cost in Portland, Oregon Car insurance in Portland costs an average of $2,033 per year, with Oregon Mutual Insurance offering the lowest rate at $1,458 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 7, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. According to our data, the average annual cost of car insurance in Portland is $2,033 – $355 more than the Oregon average cost and $138 more than when compared to the national average. Graph Table City average ratesState average ratesNational average cost$2,033$1,678$1,895Powered by: Insurance rates can differ significantly depending on where you live. Factors like population density, accident rates and theft statistics all play a role in determining premiums. As a result, drivers in some ZIP codes pay higher premiums. Understanding how car insurance rates in Portland stack up against state and national averages can help you make informed decisions. We’ll walk you through local trends, rate changes and how to save on your premiums.Key TakeawaysOn average, drivers in Portland pay around $2,033 per year for car insurance.The most affordable car insurance company is Oregon Mutual Insurance, with an average annual rate of $1,458.Young adults in Portland can expect to pay about $3,168 annually for full coverage.Cheap car insurance companies in PortlandOregon Mutual Insurance offers the most affordable full coverage car insurance in Portland, at $1,458 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.Travelers offers the second-lowest rate in Portland, with an average yearly premium of $1,619.Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.The following table compares average yearly and monthly car insurance costs from different companies in Portland. Affordable car insurance providers in Portland Graph Table Company NameAverage annual costAverage monthly costOregon Mutual Insurance$1,458$122Travelers$1,619$135GEICO$1,805$150Nationwide$1,815$151Country Financial$1,838$153State Farm$2,015$168Progressive$2,029$169Farmers$2,929$244Allstate$3,379$282USAA*$1,440$120*USAA is only available to military community members and their families.Powered by: Read about the best car insurance companies.Average car insurance cost in Portland by coverage limitsHere’s a breakdown of average car insurance rates in Portland by coverage type.State minimum coverage: $862 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).Liability only coverage: $973 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).Full coverage: $2,033 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).Non-owners coverage: $459 per yearMost states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.Average car insurance rates by gender in PortlandIn Portland, the average annual car insurance cost for female drivers is $2,085. Male drivers, on the other hand, pay $1,980 per year – that’s $105 less than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.Read more on how gender affects car insurance rates.Average car insurance rates by age in PortlandTeen drivers in Portland face the highest car insurance rates, at $6,435 per year or $536 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $3,267 more for car insurance than young adults.Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $3,168 annually for coverage – that’s $3,267 less than what teens usually pay.Adults between 25 and 55 and senior drivers between 60 and 75 in Portland pay an average of $2,023 and $2,100 per year for car insurance, respectively.Read more on auto insurance for seniors.The table below shows the average annual full coverage car insurance rates for drivers of different age groups. Car insurance rates by age groups in Portland Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$6,435$3,168$2,023$2,100Powered by: Car insurance rate trends in PortlandCar insurance premiums in Portland showed an upward trend between 2022 and 2023, with average rates changing by 29% or about $456.The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes. How car insurance rates are changing in Portland Graph Table 2016 rates2019 rates2022 rates2023 rates$1,568$1,867$1,577$2,033Powered by: How drivers can save on insurance even with higher ratesCar insurance rates in Portland are higher than the Oregon state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.Sources:Insurance Information Institute. “What determines the price of my auto insurance policy.” Accessed September 2025.Insurance Information Institute. “Auto insurance for teen drivers.” Accessed September 2025.Insurance Information Institute. “Senior driving safety and tips.” Accessed September 2025.MethodologyInsure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your rates may vary. How much is car insurance in other cities?EugeneHillsboroShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in PortlandAverage car insurance cost in Portland by coverage limitsAverage car insurance rates by gender in PortlandAverage car insurance rates by age in PortlandCar insurance rate trends in PortlandHow drivers can save on insurance even with higher ratesMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330