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.

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.

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.

More: Best car insurance companies

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.

More: Get cheap car insurance the smart way, today

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

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

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.

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.

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

Cheapest car insurance for drivers with speeding tickets in Portland

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.

MEET OUR EXPERTS

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.

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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.

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