Portland, OR Car Insurance

Your Complete Car Insurance Guide for Portland

Find the right car insurance policy for you.


Portland is the largest city in Oregon, with a population of nearly 640,000 people. As one of the most environmentally conscious cities in the U.S., Portland is a haven for walkers and bicyclists. 

Portland is a thriving and growing city. Its population grew by over 90,000 from 2000 to 2014. 

Clearly, drivers have to be extra cautious on the increasingly busy Portland roads. With auto insurance, you can feel secure that if the worst happens, you will have the financial backup you need to get you through it. 

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Cost of Car Insurance in Portland

Did You know? The average cost of Albany car insurance is $216 per month.

Portland car insurance may seem expensive, but no one should overpay. If you shop around, you might find rates that are a better fit for your budget.

Before you shop, you should know that the cost of car insurance is based on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day. 

With the help of a Trusted Choice independent insurance agent, you can review quotes from multiple insurance companies to be sure you are betting the best deal. 

Portland Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $20,000 required
  • Personal Injury Protection (PIP): $15,000 required

Who pays if the Accident Wasn’t My Fault?

The driver who caused the accident, of course. Unfortunately, some people don’t buy auto insurance. Approximately 9% of Oregon drivers are uninsured. If an uninsured driver causes an accident, the other driver is on the hook for the cost of vehicle damage and injuries. 

That’s why you need “uninsured motorist coverage.” This insurance coverage will pay to fix your damaged car and handle your medical bills if a driver who does not have insurance hits you. Oregon requires all drivers to purchase a minimum amount of uninsured motorist coverage.

What Affects the Cost of Portland Car Insurance?

Portland auto insurance premiums vary greatly from person to person, so don’t expect to pay the same as your neighbor. While where you live plays a role, insurance companies also consider a variety of other factors, such as: 

  • Your age
  • Your gender
  • Where you live
  • Your driving history
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive is one of the biggest factors in determining your Portland car insurance premium. 

If you drive a powerful muscle car, expect to pay more than your neighbor who drives a used minivan. 

Any car that is more likely to get into an accident or is more expensive to repair or replace will cost more to insure. 

City Factors That Will Affect Your Rate:

Commute Time

It’s simple. The more time you spend on the roads, the more likely it is that you'll be involved in an accident. 

Portland drivers have an average commute time. This may help keep insurance rates relatively stable.

  • National average: 25.4 minutes
  • Portland average: 24.2 minutes

Number of Auto Thefts in Portland

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Portland: Unreported 

Portland residents have a 1 in 26 chance of being a victim of a property crime, such as auto theft. 

No matter where you live, you need auto insurance to help you replace a stolen vehicle or personal property. With Portland auto insurance, you can sleep easy knowing that if you are a victim of auto theft, you can get assistance and payment quickly, so you can get back to your life. 

Meanwhile, it’s pretty easy to keep your car safe from thieves. Park in safe, well-lit areas, never leave your car running while unattended, and always lock your car—even in your own driveway. 

And if you drive a car with an alarm or another anti-theft device, ask your insurance agent if you qualify for a special discount on your car insurance. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Portland

Trusted Choice Independent Insurance Agents aren't tied down to one carrier. They can get quotes from numerous insurance carriers so you have a variety of policy options. 

No matter where you live or what you drive, a Trusted Choice independent agent will assess the risks you face so you can find affordable Portland car insurance. Our agents our proud to serve Portland residents.

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