Who Has The Cheapest Auto Insurance Quotes in Portland, OR?

Car insurance in Portland is among the most expensive in the state of Oregon. If you hail from the Stumptown though, you can still find affordable auto insurance by comparing multiple insurance companies. We make it a bit easier by comparing quotes from 12 auto insurers in Portland to see who has the least expensive auto insurance. When you're done reading, put in your zip code up top to start comparing quotes.

Cheapest Car Insurance Companies Portland, Oregon

In Portland, we found that Progressive offered the cheapest auto insurance rates of the 12 companies we surveyed. While the Portland city average was $1,553 per year for our sample driver, Progressive was a full $633 less expensive, at $920 per year. Country was not far behind, with an average quote of $924 per year for our 30 year old man.

The graph shows the the five cheapest car insurance companies in Portland, Oregon

Find the Cheapest Auto Insurance Quotes in Your Area

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We used a single 30 year old male owner of a Toyota Camry to get our rates. It is likely your own rates will be different, reflecting your own driving history, age, marital status, the type of car you drive, and much more. To see which company will have the best rates for you, we recommend you compare quotes from at least three companies. To start you can put your zip code up top for a list of companies to start.

RankAuto Insurance CompanyAverage Annual Rate
1Progressive$920
2Country$924
3Grange Insurance Association$1,104
4GEICO$1,112
5Mutual of Enumclaw$1,140
6Oregon Mutual$1,164
7State Farm$1,272
8Allied$1,440
9American Family$1,632
10Encompass$1,764
11Farmers$2,352
12Sentry$3,816

Cost of Car Insurance in Portland: by Neighborhood

Depending on where you live in Portland, your rates may be more expensive than the city average. We looked specifically at six major Portland neighborhoods to see how their pricing changed. Downtown Portland, as well neighborhoods on the west side of the river tended to be more pricey than those on the east side.

NeighborhoodAverage Annual Car Insurance Rate
Downtown$1,607
Northwest District$1,620
Southwest Portland$1,652
Pearl$1,680
Boise$1,686
East Portland$1,730

To ensure you get the best price in any area, it is crucial you compare quotes from multiple auto insurance companies.

Best Auto Insurance Companies in Portland

The best car insurance in the City of Roses will depend on the driver's backgrounds, and what they are looking for. If you value customer satisfaction over price, the best company for you will be different than someone who is just looking for basic minimum car insurance. Below you can see a brief summary of what some companies are best for.

Auto Insurance CompanyBest For...

GEICO

Claims Handling

Progressive

Price and convenience

USAA

Military Members

According to the 2016 J.D Power Study of northwestern auto insurance companies, GEICO was the best for claims handling of companies we surveyed for quotes. GEICO scored 4/5 stars for claims handling, placing behind USAA, whom we discuss more below, which had 5/5 stars. GEICO was the fourth least expensive company we found in Portland for our sample driver, though it was less than $100 more expensive than Progressive. Depending on your circumstances, GEICO may end up being the cheapest auto insurer for you and thus the best overall.

As it proved for our sample 30 year old Portland driver however, Progressive was the most affordable insurer. Progressive scores significantly lower for claims handling than GEICO however (2/5 stars), so that is something to be wary of. Progressive may be the top choice if you want to get auto insurance as fast as you can. Progressive allows you to complete your insurance purchase directly online without needing to talk to an agent so the whole process is relatively fast. Just be sure Progressive is your cheapest option if you're looking to save on rates, since GEICO would be just as quick as Progressive in most cases.

Home to a Coast Guard, an Air National Guard, and a Marines Engineer Corp, military personnel and those related to them in Portland may be eligible for USAA. This company ranks as the best insurer for military personnel. As we mention above, USAA scores a perfect 5/5 when it comes to claims handling. USAA also offers great discounts for deployed members on top of other military exclusive discounts.

Fatal Accidents in Portland

Portland had 156 fatal accidents between 2011 and 2015, a number fewer than most other cities of similar size. In terms of the state of Oregon however, Portland accounted for nearly 25% of all traffic fatalities.

Most Dangerous Roads in Portland

US-26 had shared the highest amount of fatal traffic accidents in the City of Roses, though no road in the city was significantly more dangerous than another.

RankHighwayNumber of Fatal Accidents (2011 - 2015)Percent That Involve Drunk Driver
1US-26 (ODOT 26)1241.6%
2SE DIVISION ST922.2%
3SR-213 (ODOT 68)70%
4US-30BY (ODOT 123)728.5%
5NE MARINE DR771.4%

Drunk drivers accounted for 41.7% of fatal accidents in Portland which was higher than much larger cities like Houston, San Antonio and Los Angeles where drunk drivers accounted for around 30 to 35% of fatal accidents. The majority of fatal accidents on NE Marine Dr involved drunk driving.

Minimum Car Insurance Requirements in Portland, Oregon

Oregon has relatively comprehensive carinsurance requirements compared to most other states, requiring liability insurance, uninsured motorist protection as well as personal injury protection. Below you can see the full breakdown:

  • $25,000 of Bodily Injury Liability per Person
  • $50,000 of Bodily Injury Liability per Accident
  • $20,000 of Property Damage Liability
  • $25,000 of Uninsured Motorist Insurance per Person
  • $50,000 of Uninsured Motorist Insurance per Accident
  • $15,000 of Personal Injury Protection

While the coverage is encompassing, the liability portion is likely to small for most drivers. We always recommend drivers get limits that equal the total amount of their assets. If your car is worth over $3,000 or less than 10 years old, we also strongly recommend you add comprehensive and collision insurance as well.

How We Compared Quotes

We collected quotes from different insurance companies across 59 towns and cities in the state of Oregon. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Oregon - in this case, Portland. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.

Coverage TypeOregon MinimumStudy Limits
Body Liability$25,000 per person/ $50,000 per accident$50,000 per person/ $100,000 Per Accident
Property Damage$20,000 Per Accident$20,000 Per Accident
Uninsured/Underinsured Motorist BI$25,000 per person/ $50,000 per accident$50,000 Per Person/ $100,000 Per Accident
Uninsured/Underinsured Motorist PDNone$50,000 Per Accident
Personal Injury Protection$15,000 of Personal Injury Protection$15,000 of Personal Injury Protection
Comprehensive and CollisionNone$500 Deductible

Sources:

Fatal car accident and DUI data: FARS 2011 to 2015.

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