Cheapest car insurance in Portland, OR (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
Insurance price card

Cheapest car insurance in Portland, OR (October 2025)

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

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.

More: Best car insurance in Oregon

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 car insurance quotes that Jerry customers received for minimum coverage in Portland.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$34 $412 Safeco 57 08/23/25 Portland, OR 97223
$44 $522 Bristol West 50 09/02/25 Portland, OR 97205
$49 $592 Bristol West 63 09/17/25 Portland, OR 97225
$50 $594 Progressive 39 06/18/25 Portland, OR 97229
$52 $622 Progressive 54 07/12/25 Portland, OR 97229
$53 $634 Progressive 51 09/01/25 Portland, OR 97222
$55 $658 Progressive 43 06/21/25 Portland, OR 97214
$56 $671 Safeco 49 10/09/25 Portland, OR 97217
$56 $676 National General 63 09/25/25 Portland, OR 97224
$58 $698 Progressive 25 08/16/25 Portland, OR 97232
Last Updated October 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

More: Cheapest car insurance in Oregon

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 insurance pays repair costs regardless of fault and comprehensive coverage 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 Quote
City, State
ZIP Code
$48 $578 Progressive 38 06/15/25 Portland, OR 97202
$63 $750 Progressive 38 07/30/25 Portland, OR 97239
$64 $772 Progressive 39 06/18/25 Portland, OR 97229
$67 $798 Progressive 54 07/12/25 Portland, OR 97229
$67 $804 Progressive 79 09/17/25 Portland, OR 97210
$71 $854 Progressive 46 06/27/25 Portland, OR 97230
$72 $860 Progressive 38 09/25/25 Portland, OR 97229
$74 $882 Progressive 37 06/13/25 Portland, OR 97202
$75 $900 Progressive 29 07/18/25 Portland, OR 97223
$76 $908 Progressive 46 06/27/25 Portland, OR 97218
Last Updated October 2025

More: Best car insurance companies

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 Quote
City, State
ZIP Code
$58 $698 Progressive 25 No 08/16/25 Portland, OR 97232
$65 $778 Progressive 27 No 09/11/25 Portland, OR 97219
$77 $926 Progressive 27 Yes 08/14/25 Portland, OR 97229
$77 $927 Safeco 28 No 06/18/25 Portland, OR 97210
$81 $974 National General 29 No 07/18/25 Portland, OR 97223
$71 $854 Progressive 46 06/27/25 Portland, OR 97230
$72 $860 Progressive 38 09/25/25 Portland, OR 97229
$74 $882 Progressive 37 06/13/25 Portland, OR 97202
$75 $900 Progressive 29 07/18/25 Portland, OR 97223
$76 $908 Progressive 46 06/27/25 Portland, OR 97218
Last Updated October 2025

More: Get cheap car insurance the smart way, today

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$44 $522 Bristol West 50 No 09/02/25 Portland, OR 97205
$52 $622 Progressive 54 No 07/12/25 Portland, OR 97229
$53 $634 Progressive 51 No 09/01/25 Portland, OR 97222
$56 $671 Safeco 49 No 10/09/25 Portland, OR 97217
$59 $708 Bristol West 54 No 09/15/25 Portland, OR 97219
$61 $728 Progressive 46 No 06/26/25 Portland, OR 97211
$62 $746 Progressive 32 No 07/13/25 Portland, OR 97211
$63 $750 Progressive 38 Yes 07/30/25 Portland, OR 97239
$64 $772 Progressive 39 Yes 06/18/25 Portland, OR 97229
$64 $772 Geico 50 No 09/19/25 Portland, OR 97205
Last Updated October 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$59 $702 Bristol West 64 No 10/10/25 Portland, OR 97209
$67 $804 Progressive 79 Yes 09/17/25 Portland, OR 97210
$77 $920 Progressive 82 No 07/29/25 Portland, OR 97266
$82 $982 Progressive 65 Yes 04/28/25 Portland, OR 97216
$84 $1,010 Progressive 65 No 04/19/25 Portland, OR 97230
$61 $728 Progressive 46 No 06/26/25 Portland, OR 97211
$62 $746 Progressive 32 No 07/13/25 Portland, OR 97211
$63 $750 Progressive 38 Yes 07/30/25 Portland, OR 97239
$64 $772 Progressive 39 Yes 06/18/25 Portland, OR 97229
$64 $772 Geico 50 No 09/19/25 Portland, OR 97205
Last Updated October 2025

More: Best car insurance for seniors

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 Quote
Has Full Coverage
City, State
ZIP Code
$44 $522 Bristol West 50 09/02/25 No Portland, OR 97205
$52 $622 Progressive 54 07/12/25 No Portland, OR 97229
$53 $634 Progressive 51 09/01/25 No Portland, OR 97222
$56 $671 Safeco 49 10/09/25 No Portland, OR 97217
$58 $698 Progressive 25 08/16/25 No Portland, OR 97232
$59 $702 Bristol West 64 10/10/25 No Portland, OR 97209
$59 $708 Bristol West 54 09/15/25 No Portland, OR 97219
$61 $728 Progressive 46 06/26/25 No Portland, OR 97211
$62 $746 Progressive 32 07/13/25 No Portland, OR 97211
$63 $750 Progressive 38 07/30/25 Yes Portland, OR 97239
Last Updated October 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 go shopping for car insurance 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 $95 $1,144 National General 33 06/10/25 Portland, OR 97211
<550 $118 $1,414 ROOT 55 07/07/25 Portland, OR 97213
<550 $131 $1,569 Dairyland 61 10/29/24 Portland, OR 97222
<550 $140 $1,676 Bristol West 39 08/31/25 Portland, OR 97229
<550 $143 $1,717 Dairyland 46 03/28/25 Portland, OR 97214
$59 $702 Bristol West 64 Portland, OR 97209
$59 $708 Bristol West 54 Portland, OR 97219
$61 $728 Progressive 46 Portland, OR 97211
$62 $746 Progressive 32 Portland, OR 97211
$63 $750 Progressive 38 Portland, OR 97239
Last Updated October 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 $95 $1,140 National General 38 No 11/22/24 Portland, OR 97211
At Fault With No Injury $96 $1,154 Progressive 70 Yes 06/23/25 Portland, OR 97229
At Fault With No Injury $97 $1,160 Progressive 24 No 02/13/25 Portland, OR 97211
At Fault With No Injury $97 $1,164 Safeco 60 No 12/22/24 Portland, OR 97205
At Fault With No Injury $103 $1,234 ROOT 36 No 04/23/25 Portland, OR 97236
$59 $702 Bristol West 64 No Portland, OR 97209
$59 $708 Bristol West 54 No Portland, OR 97219
$61 $728 Progressive 46 No Portland, OR 97211
$62 $746 Progressive 32 No Portland, OR 97211
$63 $750 Progressive 38 Yes Portland, OR 97239
Last Updated October 2025

Cheapest car insurance for drivers with speeding tickets in Portland

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $75 $894 Progressive 21 09/29/25 Portland, OR 97229
Speeding under 15 $97 $1,158 Bristol West 29 06/26/25 Portland, OR 97206
Speeding under 15 $141 $1,696 Bristol West 32 09/03/25 Portland, OR 97225
Speeding over 15 $151 $1,812 ROOT 36 07/18/25 Portland, OR 97213
Speeding under 15 $176 $2,116 Gainsco 43 07/31/25 Portland, OR 97212
$59 $702 Bristol West 64 10/10/25 Portland, OR 97209
$59 $708 Bristol West 54 09/15/25 Portland, OR 97219
$61 $728 Progressive 46 06/26/25 Portland, OR 97211
$62 $746 Progressive 32 07/13/25 Portland, OR 97211
$63 $750 Progressive 38 07/30/25 Portland, OR 97239
Last Updated October 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Expert-driven. Built for you.
Our experts
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.
You're minutes away from insurance savings.