Where to Get Cheap Car Insurance in Portland, Oregon
Portland’s best cheap car insurance companies
Cheapest full coverage car insurance in Portland: State Farm
State Farm has the cheapest car insurance for most Portland drivers who want full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. , with rates that average $1,703 a year.
At $1,630 per year, USAA is a bit cheaper, but only members of the military and their families can buy from USAA.
Country Financial also is a good option for cheap full coverage car insurance in Portland. It charges about $2,223 a year for full coverage. Though the company’s prices are higher than those from USAA and State Farm, it still charges less than the city average of $2,717.
Full coverage car insurance quotes
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,703 |  |
 | Country Financial | $2,223 |  |
 | Progressive | $2,367 |  |
 | American Family | $2,393 | |
 | Travelers | $2,768 | |
 | Geico | $3,170 |  |
 | Allstate | $3,874 |  |
 | Farmers | $4,323 | |
 | USAA* | $1,630 | |
All three companies offer several car insurance discounts, but they’re not all the same. If you can get more discounts from Country Financial than from State Farm, it could be the cheapest company for you.
Portland’s cheapest liability car insurance: State Farm
At $951 per year, State Farm also has the cheapest liability car insurance in Portland for most drivers. Progressive comes in second at $1,071 per year.
Both companies are well below the city average of $1,476 a year for liability coverage Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. . In fact, State Farm is 36% cheaper.
Again, discounts could make the difference here, especially with the top companies being so close in price. You can save 7%, on average, if you bundle auto and home insurance with Progressive, for example. And you can save an average of 12% if you insure more than one vehicle under Progressive.
Liability-only car insurance quotes
| Company | Annual rate |
|---|---|
| State Farm | $951 |
| Progressive | $1,071 |
| Country Financial | $1,180 |
| American Family | $1,307 |
| Travelers | $1,473 |
| Geico | $1,596 |
| Allstate | $2,400 |
| Farmers | $2,456 |
| USAA* | $852 |
Best cheap car insurance for young drivers in Portland: Country Financial
For Portland’s cheapest car insurance for young drivers, get a quote from Country Financial. The company’s average rate for teen liability insurance is $2,196 a year, which is less than half the city average of $4,782.
Country Financial’s average full coverage insurance rate for Portland teens is $4,442 per year. That’s also about half the Portland average of $9,010.
State Farm is the second-cheapest option for both coverage amounts. It offers a few more discounts than Country Financial, including one that could save you up to 30% if you join the State Farm Drive Safe & Save State Farm’s Drive Safe & Save program tracks your driving habits and gives you discounts if you drive safely. program.
Teen car insurance quotes by company
| Company | Liability coverage | Full coverage |
|---|---|---|
| Country Financial | $2,196 | $4,442 |
| State Farm | $2,814 | $5,108 |
| Geico | $3,513 | $6,866 |
| Travelers | $4,065 | $7,859 |
| American Family | $4,965 | $9,333 |
| Progressive | $5,042 | $12,268 |
| Allstate | $8,763 | $15,588 |
| Farmers | $9,183 | $14,985 |
| USAA* | $2,501 | $4,642 |
Because car insurance for teens is so expensive, getting the cheapest rate is even more important than it is for older drivers. You can help make that happen if you compare car insurance quotes from at least three companies before you renew or buy a policy.
If you’re the parent of a teen, you should also consider adding them to your own policy. That’s usually cheaper than insuring them alone.
Cheapest Portland auto insurance after a speeding ticket: State Farm
With an average rate of $1,830 a year, State Farm has the cheapest auto insurance rates for Portland drivers with a speeding ticket on their records.
This is 47% cheaper than the city average rate of $3,454 per year. American Family, Country Financial and Progressive also offer rates lower than the city average.
Car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,830 |
| American Family | $2,849 |
| Country Financial | $2,930 |
| Progressive | $3,026 |
| Travelers | $3,576 |
| Geico | $4,172 |
| Allstate | $4,646 |
| Farmers | $6,033 |
| USAA* | $2,029 |
Cheapest car insurance quotes in Portland after an accident: State Farm
State Farm has the cheapest car insurance after an accident for Portland drivers, at $1,703 a year.
This is much lower than any of State Farm’s competitors and the city average of $4,151 a year.
If you have military ties, get a quote from USAA as well as State Farm. USAA’s average rate with an accident on your record is higher than State Farm’s, but USAA’s added perks could help make the difference.
Car insurance rates with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,703 |
| Country Financial | $3,297 |
| Progressive | $3,404 |
| American Family | $3,953 |
| Travelers | $4,042 |
| Geico | $6,002 |
| Farmers | $6,033 |
| Allstate | $6,656 |
| USAA* | $2,272 |
Cheap auto insurance for Portland teens with bad driving records
Young drivers in Portland with speeding tickets or accidents on their records should get car insurance quotes from Country Financial and State Farm. These companies have by far the lowest rates for such teens.
Country Financial has the cheapest rates for teens after a speeding ticket, at $2,919 a year. State Farm’s average rate is only a few dollars more, though, at $3,046.
For Portland teens after an accident, State Farm is the cheapest car insurance company. Its average rate of $2,814 per year is 15% cheaper than Country Financial’s $3,293.
Car insurance rates for teens with tickets or accidents
| Company | Ticket | Accident |
|---|---|---|
| Country Financial | $2,919 | $3,293 |
| State Farm | $3,046 | $2,814 |
| Geico | $4,591 | $6,076 |
| Progressive | $4,937 | $5,025 |
| Travelers | $5,033 | $5,910 |
| American Family | $5,574 | $7,381 |
| Allstate | $10,971 | $12,287 |
| Farmers | $11,714 | $11,497 |
| USAA* | $3,701 | $3,831 |
Portland’s best cheap car insurance after a DUI: Progressive
Progressive is Portland’s best company for cheap car insurance after a DUI (driving under the influence) conviction. The company’s average rate of $2,737 per year is 21% cheaper than second-place Country Financial’s $3,450.
Both companies come in well below Portland’s average rate of $4,677 a year for drivers with a DUI on their records.
Something to consider here is that Country Financial has a much better customer satisfaction score from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. than Progressive does. This means customers are happier with how Country Financial deals with pricing, claims and other issues.
DUI car insurance quotes by company
| Company | Annual rate |
|---|---|
| Progressive | $2,737 |
| Country Financial | $3,450 |
| State Farm | $3,578 |
| Travelers | $4,241 |
| American Family | $4,444 |
| Allstate | $5,259 |
| Farmers | $5,808 |
| Geico | $6,200 |
| Country Financial DUI | $7,286 |
| USAA* | $3,764 |
Cheapest insurance for Portland drivers with bad credit: Country Financial
At $3,681 per year, Country Financial has the lowest rates for car insurance with poor credit in Portland.
Progressive comes in second, with rates that average $4,041 a year. American Family is worth a look as well, thanks to its average rate of $4,193 per year.
American Family has many discounts that could help make its rates more affordable. It also offers more than Country Financial and Progressive. Some are easy to get, too, including ones for signing up for auto pay or electronic documents.
Bad credit car insurance rates by company
| Company | Annual rate |
|---|---|
| Country Financial | $3,681 |
| Progressive | $4,041 |
| American Family | $4,193 |
| Geico | $4,685 |
| Travelers | $5,093 |
| Allstate | $6,474 |
| Farmers | $7,135 |
| State Farm | $8,053 |
| USAA* | $3,598 |
Best car insurance companies in Portland
State Farm and Country Financial are the best car insurance companies in Portland for most drivers.
State Farm is the city’s best company overall thanks to its low rates across the board, many discounts and great customer satisfaction score from J.D. Power.
Country Financial is a close second, however. It also offers affordable rates, and sometimes its rates are cheaper than State Farm’s. Customers rate Country Financial highly, too, and it offers many add-ons that let you customize a policy to your liking.
Portland drivers who are members of the military or are related to someone who is should consider USAA, as well. Its average rates are sometimes cheaper than State Farm’s, and it scores even better with customers.
Portland car insurance company ratings
| Company | J.D. Power Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher scores are better; 644 is average. | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Country Financial | 665 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
Portland auto insurance rates by neighborhood
Portland’s 97224 ZIP code has the cheapest car insurance rates of $2,365 a year, on average. This ZIP includes the suburb of Tigard.
Drivers in the 97236 ZIP code pay Portland’s highest car insurance rates of around $3,095 per year. This ZIP covers parts of eastern Portland and extends into Gresham.
Car insurance rates near you
| ZIP code | Annual rate | % from average |
|---|---|---|
| 97201 | $2,461 | -8% |
| 97202 | $2,631 | -1% |
| 97203 | $2,731 | 3% |
| 97204 | $2,648 | -1% |
| 97205 | $2,557 | -4% |
| 97206 | $2,807 | 5% |
| 97209 | $2,526 | -5% |
| 97210 | $2,506 | -6% |
| 97211 | $2,792 | 5% |
| 97212 | $2,695 | 1% |
| 97213 | $2,736 | 3% |
| 97214 | $2,602 | -2% |
| 97215 | $2,740 | 3% |
| 97216 | $2,972 | 12% |
| 97217 | $2,694 | 1% |
| 97218 | $2,793 | 5% |
| 97219 | $2,497 | -6% |
| 97220 | $2,913 | 9% |
| 97221 | $2,507 | -6% |
| 97222 | $2,555 | -4% |
| 97223 | $2,436 | -9% |
| 97224 | $2,365 | -11% |
| 97225 | $2,447 | -8% |
| 97227 | $2,655 | 0% |
| 97229 | $2,384 | -11% |
| 97230 | $2,945 | 11% |
| 97231 | $2,476 | -7% |
| 97232 | $2,599 | -2% |
| 97233 | $3,059 | 15% |
| 97236 | $3,095 | 16% |
| 97239 | $2,565 | -4% |
| 97252 | $2,690 | 1% |
| 97258 | $2,566 | -4% |
| 97266 | $3,073 | 15% |
| 97267 | $2,506 | -6% |
Portland car insurance requirements
You must have at least 25/50/20 car insurance to drive legally in Portland. This means you need:
| Coverage type | Minimum amount |
|---|---|
| Bodily injury liability Bodily injury liability helps cover the medical bills of anyone you injure in a car accident. | $25,000 per person $50,000 per accident |
| Property damage liability Property damage liability covers damage you cause to property like fences, toll booths and light posts. | $20,000 per accident |
Oregon state law also requires drivers to have at least $15,000 per person of personal injury protection coverage.
You must buy uninsured motorist coverage, too. At least $25,000 per person and $50,000 per accident.
Frequently asked questions
The cheapest car insurance in Portland is $79 a month, or $951 a year. This is the average rate State Farm charges Portland drivers who want liability-only car insurance. Progressive has the city’s second-cheapest rate of $89 a month, or $1,071 a year.
State Farm has the cheapest car insurance in Portland. It charges an average rate of $142 per month, or $1,703 per year, for full coverage. For liability-only coverage, State Farm’s average rate is $79 per month, or $951 per year.
The average cost of auto insurance in Portland is $123 a month, or $1,476 a year, for liability coverage. The average cost for full coverage insurance is $226 a month, or $2,717 a year.