Car Insurance in Portland, OR

Ensuring a quick and straightforward experience for comparing auto insurance in Portland.

Auto Insurance in Portland and What You Need to Know

There is no doubt that comparative shopping for auto insurance in Portland is essential if you want to ensure you receive the most affordable price. Numerous factors including your age, driving history and even what street you live on, can affect how much you need to pay for the peace of mind that auto insurance provides. We have done much of the required research for you with regards to the various auto insurance providers in Portland and factors that affect the rate you will pay. Then you can quickly and easily make your insurance choice and get into your car and drive stress-free.

Percentage increase in Portland car insurance costs compared to national average

23 %

Percentage increase in Portland car costs compared to average in Oregon

3785 %

Percentage increase in Portland car insurance costs compared to most expensive in Oregon

1207 %

Full Coverage Car Insurance

Get the peace of mind that comes with knowing that you, your car, your passengers and anyone you encounter can be protected in the case of an unfortunate car accident in Portland.

Liability Car Insurance

Safeguard yourself and ensure you are protected while driving in Portland by obtaining a minimum liability auto insurance coverage plan.

High Risk Car Insurance

We understand that it can be a overwhelming task to find the best value high-risk auto insurance in Portland so let us help you wade through the choices to find the best fit for you and your car.

Home and Auto Insurance

Make your life a little bit easier and consider combining your home and auto insurance in Portland into one cost-effective package to save you time and money.

Your Driving Record Matters When Getting Auto Insurance in Portland

It’s the same old story: you spent your precious time and energy finding the best price possible on car insurance in Portland and have been promised an incredible deal, but then the quote returns and it is much, much higher than expected and now outside of your budget. This price hike could be because of your driving record since the amount of insurance points added to your record varies by location. You unfortunately can’t stop an accident after it has occurred, but you can ensure that you look into your driving record and pay any outstanding fines or parking tickets so that you can work towards limiting your insurance liabilities in Portland.

best home and auto insurance Portland OR

Your Type of Car Plays a Role on Car Insurance Costs in Portland

If you want to ensure the most economical auto insurance in Portland, then the easiest way to do that is to look at the vehicle that you are driving. Put simply, the more expensive your car is then the more expensive your auto insurance in Portland is going to be. A fast car with a huge engine capacity is, statistically speaking, more likely to speed and more likely to crash therefore having the ability to cause serious, and expensive, injury to people and property. A large SUV can cause significant damage with even the slightest low-speed fender bender so will add significant costs to your car insurance. If you want to be kind to your wallet, then consider selling your flashy car and investing in a more economical, mid-sized car that is a few years old. Better yet, have a look through our auto insurance options first and choose a model that will get you from A to B in the most cost-effective way.

Vehicle TypeAnnual Average Cost of Car Insurance

best home and auto insurance Portland OR

Cost of Car Insurance in Portland by Gender and Marital Status

Although gender is no longer a variable which can be calculated into your auto insurance rates in many states, your marital status is a completely different story. Whether you are single, married, divorced or widowed can all play a role in the price you will pay for your auto insurance in Portland. In general, married people enjoy the cheapest auto insurance premiums as tend to get in the least amount of accidents. Why married people get in less accidents could be because of a number of factors – perhaps they stay home more often, or are more cautious drivers, or they tend to work late at the office and drive tired. Regardless of the reason, if you are newly married then it is worth looking into your car insurance rates in Portland as you may qualify for a discount. Although not as prevalent, common law marriage or having a domestic partner, may also allow you to be privy to discounted rates on your car insurance in Portland. Conversely, be aware that single people, widows and divorced individuals may have higher insurance premiums in Portland.

Where You Live in Portland Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Portland

12 %

Annual savings for car insurance in medium sized cities near Portland

10 %

Your zipcode can play a significant role in how much you will need to pay for your car insurance in Portland. Car insurance premiums may not be top of mind when you are deciding which suburb to live in Portland or even what side of the street to reside on; however, by taking this factor into consideration, you could save yourself money which could be put towards living in a better, safer neighborhood in the first place. Insurance providers collectively lump together particular zipcodes to determine the likelihood of risk associated with car accidents, acts of theft or vandalism. In addition, more urban, developed areas mean more car and more pedestrians and a statistically greater chance of being involved in a car accident, even if at low speeds. These factors will all be taken into account when determining the price of your auto insurance in Porland.

Average Costs of Auto Insurance in Portland by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,369.27
Auto Insurance with Comprehensive Only1,615.74
Auto Insurance with Comprehensive and Collision2,382.52

Your Credit Affects Your Car Insurance Costs

Are you a shopaholic with a plethora of store specific credit cards? Have you run up a load of credit card debt? Do you know what your personal credit rating even is? Believe it or not, your credit rating can seriously affect the amount that you pay for your car insurance in Portland since 92 percent of auto insurance companies consider credit rating when calculating the amount that you will need to pay to get behind the wheel. Unlike other risk factors, your credit rating is something that you may be able to actively do something about. Take control and access your credit rating and ensure that it is accurate; pay your bills on time and limit the amount of credit that you roll over each month. These small tasks may save you big money when you next apply for car insurance in Portland.

Average car insurance rate changes in Portland based off credit scores.

61 %

Max car insurance rate changes in Portland based off credit scores

141 %

92 percent of the car insurance companies in Portland now think about your credit rating when calculating how much you will pay for auto insurance.

Portland Car Insurance Rates by Age

Age is a determining factor to how much you will need to pay for your car insurance in Portland. Though you can’t amend how old you are without a time machine, you can take this variable into account in order to search for the best insurance provider for your situation. It is a common practice that the youngest drivers will need to pay the highest car insurance premiums in Portland as they tend to partake in the riskiest behaviors while having the least amount of driving experience. Middle-aged adults tend to be involved in fewer car accidents and inflict less harm and their car insurance premiums will reflect this fact. As you reach your golden years, expect that senior citizens will again need to pay more for their car insurance in Portland. The effect that age has on the cost of your car insurance in Portland can vary widely between different companies so is certainly worthwhile shopping around to ensure that you are content in the knowledge that you are paying the least amount possible.

best home and auto insurance Portland OR

Getting the Best Auto Insurance Rates in Portland

We know that researching and comparing the different auto insurance plans in Portland can be an incredibly daunting task. When you throw in the ever-changing variables of you current age, or the make, model and year of car that you drive, then buying car insurance can cause a lot of needless stress. Additional factors like your current marital status, credit rating and even what part of Portland you live in will all affect how much you will need to pay for your car insurance. Despite this apparently demoralizing task, don’t be disheartened as shopping around will ensure that you are privy to the best rates possible on auto insurance in Portland. Discounts are sometimes available and insurance can be packaged to provide the most cost-effective and hassle-free deal. We highly recommend that you take the time to compare prices from different insurance venders and remember, we are here to help you with the process of finding the best priced auto insurance in Portland.