Car Insurance in Portland, Oregon
Estimated full coverage in Portland runs about $1,620 a year ($135/month) — ▲ +14% versus the Oregon average, ranking 2nd most expensive of the 8 Oregon cities we cover.
Why car insurance in Portland costs more than the Oregon average
Insurers price by territory, and Portland's numbers explain most of the gap. With 635,749 residents on 133.5 square miles, the city's density (4,763 people per square mile) is 8.5 times the density where the typical Oregon resident lives (563). The average commute is 24.1 minutes (Oregon: 23.0), and 50% of workers drive alone. Together these put our location factor at 1.14× the state baseline for liability and collision.
| Factor | Portland | Oregon ref. | Why it matters |
|---|---|---|---|
| Population density | 4,763 / sq mi | 563 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.1 min | 23.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 49.5% | — | Share of workers commuting by car. |
| Public transit to work | 6.1% | — | Transit use lowers how much residents drive. |
| Work from home | 28.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 13.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 50.8 | 52.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Portland
Rates can change from one ZIP code to the next. Across 26 Portland ZIP codes, our full-coverage estimate ranges from $1,505 in 97210 to $1,705 in 97233. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 97206 | 49,890 | 7,733 | 25.9 min | 7.3% | $1,680 | +4% |
| 97230 | 43,553 | 3,118 | 25.0 min | 7.1% | $1,595 | −2% |
| 97202 | 43,533 | 6,931 | 25.1 min | 9.6% | $1,660 | +2% |
| 97219 | 42,430 | 3,627 | 21.9 min | 4.0% | $1,570 | −3% |
| 97236 | 37,558 | 4,866 | 29.0 min | 8.7% | $1,685 | +4% |
| 97233 | 36,236 | 7,804 | 27.6 min | 17.0% | $1,705 | +5% |
| 97266 | 35,423 | 5,847 | 26.7 min | 11.6% | $1,670 | +3% |
| 97217 | 35,169 | 3,154 | 23.5 min | 10.4% | $1,575 | −3% |
| 97211 | 33,769 | 4,732 | 23.3 min | 7.4% | $1,605 | −1% |
| 97203 | 33,116 | 3,073 | 26.2 min | 10.7% | $1,610 | −1% |
| 97213 | 31,408 | 7,790 | 21.3 min | 9.8% | $1,620 | 0% |
| 97212 | 28,042 | 10,276 | 21.9 min | 8.6% | $1,650 | +2% |
| 97214 | 27,714 | 9,534 | 21.5 min | 16.3% | $1,640 | +1% |
| 97220 | 27,202 | 3,622 | 25.5 min | 12.7% | $1,615 | 0% |
| 97209 | 22,296 | 21,647 | 20.7 min | 31.6% | $1,700 | +5% |
| 97239 | 17,804 | 4,965 | 21.3 min | 11.1% | $1,585 | −2% |
| 97215 | 17,296 | 7,407 | 23.4 min | 6.1% | $1,645 | +2% |
| 97201 | 16,887 | 8,828 | 21.2 min | 35.3% | $1,630 | +1% |
| 97216 | 16,638 | 6,613 | 25.9 min | 19.0% | $1,670 | +3% |
| 97232 | 15,615 | 8,350 | 22.5 min | 25.2% | $1,645 | +2% |
| 97218 | 15,428 | 2,317 | 24.2 min | 11.8% | $1,560 | −4% |
| 97221 | 12,915 | 2,932 | 20.7 min | 7.1% | $1,535 | −5% |
| 97210 | 11,324 | 1,273 | 23.3 min | 18.9% | $1,505 | −7% |
| 97205 | 9,121 | 9,683 | 19.9 min | 52.0% | $1,620 | 0% |
| 97227 | 5,665 | 3,970 | 22.1 min | 28.2% | $1,580 | −2% |
| 97204 | 885 | 3,583 | 26.1 min | 75.5% | $1,620 | 0% |
Minimum car insurance in Portland
Portland drivers follow Oregon's rules: at least 25/50/20 liability coverage, personal injury protection, and uninsured motorist coverage. Oregon is at-fault (tort). We estimate state-minimum coverage in Portland at $710 a year, and $1,030 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $15,000 Personal injury protection of at least $15,000 per person is required for accident-related medical costs, lost wages and other expenses. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required; it equals liability limits unless lower limits are chosen. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Oregon's required uninsured motorist coverage includes underinsurance coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Your insurance policy number must be provided when registering a vehicle.
Risk factors that shape Portland premiums
Accidents
Oregon recorded 538 traffic deaths, or 1.44 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oregon's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Multnomah County as very low for hail, relatively high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
4.6% of Portland commuters spend an hour or more getting to work, and there are 1.47 vehicles per household. 28.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 1.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 47.4 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 43.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 65.5 | Comprehensive; dwelling | |
| Winter weather | 85.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Portland by driver profile
A clean-record driver in their 50s pays the least in our Portland model (about $1,490 for full coverage); an 18-year-old on their own policy pays about $4,450, and a DUI pushes a 30-something to $2,995.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,955 | $2,835 | $4,450 | $371 |
| Young adult (22) | $1,140 | $1,650 | $2,590 | $216 |
| Adult in their 30s | $710 | $1,030 | $1,620 | $135 |
| Adult in their 50s | $655 | $950 | $1,490 | $124 |
| Senior (72) | $795 | $1,155 | $1,810 | $151 |
| 30s, one at-fault accident | $1,030 | $1,495 | $2,345 | $195 |
| 30s, DUI on record | $1,315 | $1,905 | $2,995 | $250 |
Minimum vs. standard vs. full coverage in Portland
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $710 | $59 | $585–$840 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,030 | $86 | $845–$1,215 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,620 | $135 | $1,325–$1,910 |
Estimate your premium in Portland
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Cheap car insurance in Portland: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Portland's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $85 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 28.5% of Portland workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $325 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $590 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $355 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Portland
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 165 offices listed below.
- Check complaint records with the Oregon Division of Financial Regulation (complaint information) before you buy.
- Mention your ZIP code accurately — within Portland, our estimates differ by up to $200 a year between neighborhoods.
Car insurance agents near Portland, OR
We found 165 insurance offices within about 9 miles of central Portland, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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American Family Insurance
OR -
Liberty Mutual Insurance
650 Northeast Holladay Street, Portland, OR 97232 -
Lupe Garcia - Allstate
55 NE Broadway St, Portland, OR 97232 -
State Farm
3118 Northeast Broadway, Portland, OR 97232 -
American Family Insurance
2406 East Burnside Street, Portland, OR 97214 -
Dominic Scott Agency Inc.
1300 SE Stark St, Ste 310, Portland, OR 97214 -
Chip McPhee - State Farm Insurance Agent
4035 Northeast Sandy Boulevard, #240, Portland, OR 97212 -
Josh J Wong - Farmers Insurance
4035 NE Sandy Blvd, Portland, OR 97212 -
Gunnar Olson - State Farm
107 SE Washington Street, Suite 154, Portland, OR 97214 -
Bolliger & Sons
511 Southeast Belmont Street, Portland, OR 97214 -
Geoff Dorn
1468 Northeast Alberta Street, Portland, OR 97211 -
Allstate
OR -
Hollywood Insurance Services
4421 NE Sandy Blvd, Portland, OR 97213 -
M Financial Group
1125 Northwest Couch Street, #900, Portland, OR 97209 -
Taylor Altringer - State Farm
8930 SW Hall Blvd, Suite 210, Portland, OR 97223 -
Jean Finol - Farmers Insurance
1050 SW 6th Ave, Portland, OR 97204 -
The Standard
1100 Southwest 6th Avenue, Portland, OR 97204 -
Alfred J. Davis
1010 Southwest 11th Avenue, Portland, OR 97205 -
Sue Tat Suen - Allstate
4506 SE Belmont St, Ste 108a, Portland, OR 97215 -
Cambia
100 Southwest Market Street, Portland, OR 97201 -
Maurina Hylland - Farmers Insurance
4715 SE Belmont St, Portland, OR 97215 -
Elliott, Powell, Baden & Baker Insurance
1521 Southwest Salmon Street, Portland, OR 97205 -
Veronica Valdovinos - Farmers Insurance
200 SW Market St, Portland, OR 97201 -
Eric Mueller - Farmers Insurance
2505 SE 11th Ave, Portland, OR 97202 -
John Nogueira - State Farm
2280 W Burnside, Portland, OR 97210 -
Farmers Insurance
4828 Southeast Hawthorne Boulevard, Portland, OR 97215 -
Stephanie Fin Saetern - Farmers Insurance
4117 SE Division St, Portland, OR 97202 -
Renee Nguyen - American Family Insurance
4333 SE Division St, Ste 101, Portland, OR 97206 -
Kevin P Harmon - Farmers Insurance
2012 N Rosa Parks Way, Portland, OR 97217 -
Anstin Michael Adona - Farmers Insurance
3330 NW Yeon Ave, Portland, OR 97210 -
TEC Equipment Insurance Department
740 Northeast Columbia Boulevard, , OR 97211 -
Ryan E Hite - Farmers Insurance
1534 SE Holgate Blvd, Portland, OR 97202 -
Jeff Guettler - Farmers Insurance
4380 S Macadam Ave, Portland, OR 97239 -
Lou Stafford Insurance
4330 South Barbur Boulevard, Portland, OR 97239 -
Vu Han - State Farm
322 NE 82nd Avenue, Portland, OR 97220 -
Ashcraft Agency Inc
2914 N Lombard St, Portland, OR 97217 -
Edward Chen Agency, Inc
6005 SE Powell Blvd, Portland, OR 97206 -
State Farm
6305 Southeast Powell Boulevard, Portland, OR 97206 -
Diana L Koelling - Farmers Insurance
437 SE 85th Ave, Portland, OR 97216 -
Michael Holton - State Farm
5520 S Macadam Ave, Suite #250, Portland, OR 97239
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Portland
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,235 | −24% |
| Subaru Outback | Wagon | $1,210 | −25% |
| Tesla Model 3 | Midsize car | $1,680 | +4% |
| Subaru Forester | Small SUV | $1,175 | −27% |
| Honda Civic | Compact car | $1,870 | +15% |
| Toyota Corolla | Compact car | $1,760 | +9% |
| Jeep Wrangler | Midsize SUV | $1,445 | −11% |
| Mazda CX-5 | Small SUV | $1,385 | −15% |
| MINI Cooper | Subcompact car | $1,240 | −23% |
| Tesla Model Y | Midsize SUV | $1,510 | −7% |
More car insurance topics in Portland
Car insurance in nearby Oregon cities
- Beaverton $1,620/yr · 9 mi
- Gresham $1,645/yr · 10 mi
- Hillsboro $1,590/yr · 14 mi
- Salem $1,570/yr · 46 mi
- Eugene $1,520/yr · 105 mi
- Bend $1,470/yr · 122 mi
- Medford $1,470/yr · 221 mi
All Oregon cities and state rules · Homeowners insurance in Portland
Frequently asked questions
How much is car insurance in Portland, OR?
We estimate full coverage in Portland at about $1,620 a year ($135 a month) for a driver in their 30s with a clean record, and about $710 for Oregon's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Portland more expensive than the Oregon average?
Our Portland estimate is 14% higher than the statewide figure. The model reflects a population density of 4,763 people per square mile (the typical Oregon resident lives at about 563) and an average commute of 24.1 minutes versus 23.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Portland?
Drivers in Portland follow Oregon law: at least 25/50/20 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Portland has the cheapest car insurance?
Among Portland's 26 ZIP codes, 97210 has the lowest estimate (about $1,505 a year for full coverage) and 97233 the highest (about $1,705), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Portland?
An 18-year-old with their own full-coverage policy would pay around $4,450 a year in Portland by our estimate ($1,955 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Portland?
Yes. FEMA's National Risk Index rates Multnomah County for inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Portland?
We list 165 insurance offices in and around Portland, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oregon DMV: Insurance Requirements
- Oregon DMV: SR-22 Information
- ORS chapter 742 (742.502 uninsured/underinsured motorist coverage)
- Oregon DFR: DMV Notice - SB 840 insurance provisions
- Oregon DFR: File a complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Portland and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places