Cheapest car insurance in Portland, OR

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
Insurance price card

Cheapest car insurance in Portland, OR

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

Wet conditions and consistent rain are no strangers to the drivers in Portland, Oregon. Those conditions combined with the city’s many bridges, plenty of cyclists and narrow streets downtown make proper car insurance in Portland a necessity. Whether you regularly commute downtown or are bouncing between the area’s suburbs, it’s wise to shop for car insurance to ensure you’re getting fair rates based on your driver profile. 

We’ve gathered data from Jerry customers in Portland to show you how rates can vary based on your age, driving history and location within the city so you can shop for auto insurance confidently.

Cheapest minimum coverage insurance in Portland

Oregon requires drivers to carry these coverages at minimum:

  • Liability for bodily injury and property damage includes $25,000 per person, $50,000 per crash for injuries to others, and $20,000 per crash for damage to others’ property.
  • Personal injury protection of $15,000 per person.
  • Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.

These are some of the cheapest quotes that Jerry customers received for minimum coverage in Portland.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 73 April 6, 2025 Portland, OR 97223
$41 $496 Progressive 59 April 17, 2025 Portland, OR 97223
$42 $502 Safeco 52 March 10, 2025 Portland, OR 97211
$66 $796 Progressive 60 April 1, 2025 Portland, OR 97221
$69 $830 Progressive 70 December 23, 2024 Portland, OR 97229
$71 $850 Bristol West 56 February 21, 2024 Portland, OR 97211
$75 $894 Progressive 39 March 28, 2025 Portland, OR 97232
$76 $906 Progressive 55 May 26, 2024 Portland, OR 97223
$78 $936 Safeco 43 April 14, 2024 Portland, OR 97220
$80 $964 Safeco 27 September 2, 2024 Portland, OR 97213
Last Updated May 2, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

COMPARE AFFORDABLE COVERAGE IN MINUTES WITH JERRY

Cheapest full coverage insurance in Portland

The Pacific Northwest is known to receive its fair share of rain and the minimum coverage may not protect you if your car floods or is damaged by hail. For that, you’d need full coverage, which is the combination of collision and comprehensive insurances. Collision pays repair costs regardless of fault and comprehensive protects you in non-collision events like weather hazards, animal collisions, or theft.

Here are some of the cheapest full coverage quotes that Jerry customers in Portland received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 73 April 6, 2025 Portland, OR 97223
$45 $536 Progressive 62 February 26, 2025 Portland, OR 97220
$88 $1,054 Progressive 77 October 23, 2024 Portland, OR 97230
$92 $1,108 Progressive 70 February 3, 2025 Portland, OR 97209
$97 $1,160 Progressive 24 February 13, 2025 Portland, OR 97211
$99 $1,192 Safeco 37 May 27, 2024 Portland, OR 97213
$100 $1,202 Progressive 31 April 4, 2025 Portland, OR 97201
$105 $1,258 Progressive 56 March 22, 2025 Portland, OR 97217
$116 $1,392 Progressive 38 February 14, 2025 Portland, OR 97236
$118 $1,418 Safeco 41 September 18, 2024 Portland, OR 97229
Last Updated May 2, 2025

Cheapest car insurance for young drivers in Portland (18-29 years old)

Auto insurance is often more expensive for younger drivers than it is for those in their 30s and older. This means it’s wise to get multiple quotes to find the most affordable policy.

Here are the cheapest quotes that young Jerry customers in Portland have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$63 $754 Safeco 26 No February 14, 2025 Portland, OR 97209
$80 $964 Safeco 27 No September 2, 2024 Portland, OR 97213
$91 $1,092 Safeco 29 No March 15, 2025 Portland, OR 97236
$97 $1,160 Progressive 24 Yes February 13, 2025 Portland, OR 97211
$101 $1,208 National General 28 No September 3, 2024 Portland, OR 97224
Last Updated May 2, 2025

Cheapest car insurance for mature drivers in Portland (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$42 $502 Safeco 52 No March 10, 2025 Portland, OR 97211
$53 $636 Aspire Advantage 44 No December 22, 2023 Portland, OR 97229
$75 $894 Progressive 39 No March 28, 2025 Portland, OR 97232
$78 $936 Safeco 43 No April 14, 2024 Portland, OR 97220
$89 $1,068 Progressive 33 No March 18, 2025 Portland, OR 97214
$95 $1,142 Bristol West 31 No January 13, 2024 Portland, OR 97210
$99 $1,192 Safeco 37 Yes May 27, 2024 Portland, OR 97213
$100 $1,202 Progressive 31 Yes April 4, 2025 Portland, OR 97201
$106 $1,272 Progressive 53 No December 26, 2024 Portland, OR 97231
$107 $1,278 Safeco 51 No December 28, 2024 Portland, OR 97212
Last Updated May 2, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 73 Yes April 6, 2025 Portland, OR 97223
$41 $496 Progressive 59 No April 17, 2025 Portland, OR 97223
$45 $536 Progressive 62 Yes February 26, 2025 Portland, OR 97220
$66 $796 Progressive 60 No April 1, 2025 Portland, OR 97221
$69 $830 Progressive 70 No December 23, 2024 Portland, OR 97229
Last Updated May 2, 2025

Cheapest car insurance for drivers with clean records in Portland

Drivers in Portland with a no claims or violations may have a better chance at a low rate than those with less-than-perfect records.

Here are some of the cheapest quotes that Jerry customers with a clean record have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$34 $404 Progressive 73 April 6, 2025 Yes Portland, OR 97223
$42 $502 Safeco 52 March 10, 2025 No Portland, OR 97211
$45 $536 Progressive 62 February 26, 2025 Yes Portland, OR 97220
$53 $636 Aspire Advantage 44 December 22, 2023 No Portland, OR 97229
$63 $754 Safeco 26 February 14, 2025 No Portland, OR 97209
$66 $796 Progressive 60 April 1, 2025 No Portland, OR 97221
$71 $850 Bristol West 56 February 21, 2024 No Portland, OR 97211
$75 $894 Progressive 39 March 28, 2025 No Portland, OR 97232
$76 $906 Progressive 55 May 26, 2024 No Portland, OR 97223
$78 $936 Safeco 43 April 14, 2024 No Portland, OR 97220
Last Updated May 2, 2025

Cheapest car insurance for drivers with low credit scores in Portland

Drivers with low credit scores are likely to get higher premiums than good-credit drivers, so it’s worth your time to rate shop and assume the first quote won’t be the best. Here are the cheapest quotes that drivers with scores below 550 in Portland received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $53 $636 Aspire Advantage 44 December 22, 2023 Portland, OR 97229
<550 $131 $1,569 Dairyland 61 October 29, 2024 Portland, OR 97222
<550 $135 $1,614 Gainsco 47 January 19, 2025 Portland, OR 97201
<550 $143 $1,717 Dairyland 46 March 28, 2025 Portland, OR 97214
<550 $147 $1,760 Dairyland 27 April 15, 2025 Portland, OR 97232
Last Updated May 2, 2025

Cheapest car insurance for drivers with at-fault accidents in Portland

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $41 $496 Progressive 59 No April 17, 2025 Portland, OR 97223
At Fault With No Injury $69 $830 Progressive 70 No December 23, 2024 Portland, OR 97229
At Fault With No Injury $97 $1,160 Progressive 24 Yes February 13, 2025 Portland, OR 97211
At Fault With No Injury $107 $1,288 The General 60 No December 22, 2024 Portland, OR 97205
At Fault With No Injury $109 $1,306 Progressive 37 No October 8, 2024 Portland, OR 97213
Last Updated May 2, 2025

Cheapest car insurance for drivers with speeding tickets in Portland

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $137 $1,647 Dairyland 32 December 17, 2023 Portland, OR 97201
Speeding under 15 $160 $1,924 The General 40 January 15, 2024 Portland, OR 97220
Speeding under 15 $180 $2,162 Bristol West 68 February 23, 2024 Portland, OR 97206
Speeding under 15 $181 $2,170 National General 32 December 3, 2024 Portland, OR 97225
Speeding under 15 $182 $2,186 Dairyland 29 November 20, 2024 Portland, OR 97221
Last Updated May 2, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.