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

Best cheap car insurance companies in Portland

Cheapest car insurance in Portland, OR: State Farm

Drivers with military ties should also take a look at USAA. Its rates are even cheaper than State Farm's, and it's one of the best-rated insurance companies in the country. But you can only get it if you've served in the military or had a parent or spouse who has.

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Cheapest full coverage car insurance in Portland

Cheapest liability insurance quotes in Portland: State Farm

That's one-third less than the average car insurance quote across the top companies in Portland, and $10 per month cheaper than Progressive, which has the second-best price overall.

Remember that minimum coverage is the cheapest policy you can buy, so it doesn't provide much protection. People who drive a lot or own a newer or more valuable car should consider upping their coverage beyond the minimum.

Best cheap minimum coverage car insurance rates in Portland, OR

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Cheapest car insurance for young drivers: Country Financial

Country Financial has the best rates for 18-year-olds in Portland, with an average price of $183 per month for a minimum coverage policy.

Country also has the best rates for a full coverage policy, at $370 per month.

Teenagers typically pay much higher prices for car insurance than older adults, as they're less experienced behind the wheel and get in crashes more often.

Best car insurance for young drivers in Portland

The best way for a teen to save on insurance is to share a policy with their parents or an older adult. Also, many insurers offer discounts such as a good student discount.

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Cheapest car insurance for people with a speeding ticket: State Farm

State Farm has the best prices for drivers with a speeding ticket in Portland. It offers an average rate of $153 per month for full coverage after one speeding ticket, which is around half the average cost across all insurance companies. It's also $84 per month less than the second-best option, American Family.

Cheapest car insurance after a speeding ticket

Companies have found drivers with recent speeding tickets are more likely to get in a crash or make a claim, so you pay more for coverage after getting one.

Cheapest car insurance in Portland after an accident: State Farm

State Farm has the best rates for drivers after an at-fault crash in Portland, with an average of just $142 per month for full coverage. That's less than half the average rate across all insurance companies.

Cheapest car insurance after an accident

Causing an accident has a major effect on your insurance rates because companies have found that drivers who have been at fault in one crash are more likely to be at fault again in the future.

Cheapest insurance in Portland for teens with a ticket or accident: Country Financial or State Farm

After a speeding ticket, minimum coverage from Country Financial costs $243 per month for an 18-year-old. That's half the price of the city average. State Farm is also fairly affordable, at $254 per month.

After an at-fault crash, minimum coverage from State Farm costs just $234 per month — 44% cheaper than average in Portland.

Best cheap minimum coverage for teens with a bad record

Cheapest car insurance for drivers with a DUI: Progressive

Progressive has the best rates in Portland for a driver with a DUI. There, you may find rates around $228 per month for full coverage. That's a 43% discount compared to the average rate citywide.

Cheapest car insurance for Portland drivers with a DUI

If you have a DUI conviction, one of the most serious driving offenses, you're likely to see a big increase in car insurance rates. On average, a Portland driver with one DUI will pay $390 per month for a full coverage policy — that's 72% more than a driver with a clean record.

Drivers with DUIs on their record in Oregon may also need an SR-22 form.

Cheapest car insurance for drivers with poor credit: Country Financial

In Portland, Country Financial has the best insurance in Portland for drivers with bad credit. Its average rate is $307 per month for full coverage, which is 29% cheaper than the city average.

Your credit score isn't based on your driving skills, but having bad credit can still make your insurance rates go up. It can sometimes be a challenge to get car insurance with bad credit.

Cheapest car insurance for poor credit

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Average car insurance cost in Portland, by neighborhood

That's $61 per month more expensive than the cheapest part of the Portland area — in the nearby towns of King City and Tigard.

Where you live impacts your car insurance rates. For example, if you live in an area with low crime rates, you might pay less. If the roads in your neighborhood are poorly maintained (leading to more accidents), you might pay more.

Compare Rates

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Methodology

To determine the best rates in Portland, ValuePenguin collected quotes from the largest insurance companies in Oregon. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.

Full coverage quotes include the following limits:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.