Cheapest car insurance in Portland, OR (August 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 29, 2025
Insurance price card

Cheapest car insurance in Portland, OR (August 2025)

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.

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 Progressive 46 June 26, 2025 Portland, OR 97209
$36 $428 Progressive 44 April 17, 2025 Portland, OR 97232
$40 $480 Progressive 44 June 22, 2025 Portland, OR 97214
$41 $488 Progressive 39 March 28, 2025 Portland, OR 97232
$43 $514 Progressive 46 June 27, 2025 Portland, OR 97214
$50 $596 Progressive 47 April 26, 2025 Portland, OR 97239
$50 $596 Progressive 46 June 25, 2025 Portland, OR 97223
$54 $644 Progressive 56 March 22, 2025 Portland, OR 97217
$55 $660 National General 41 June 19, 2025 Portland, OR 97219
$57 $688 Progressive 36 July 7, 2025 Portland, OR 97206
Last Updated Jul 30, 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
$36 $428 Progressive 44 April 17, 2025 Portland, OR 97232
$57 $688 Progressive 36 July 7, 2025 Portland, OR 97206
$58 $696 Progressive 55 June 21, 2025 Portland, OR 97225
$62 $748 Progressive 38 June 15, 2025 Portland, OR 97212
$62 $748 Progressive 43 June 21, 2025 Portland, OR 97212
$68 $820 Progressive 72 July 15, 2025 Portland, OR 97221
$72 $862 Progressive 46 June 27, 2025 Portland, OR 97217
$74 $890 Progressive 44 June 16, 2025 Portland, OR 97214
$75 $900 Progressive 70 June 18, 2025 Portland, OR 97211
$79 $946 Progressive 65 April 28, 2025 Portland, OR 97216
Last Updated Jul 30, 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
$77 $927 Geico 28 No February 2, 2025 Portland, OR 97210
$92 $1,103 Geico 28 No May 27, 2025 Portland, OR 97224
$94 $1,126 Safeco 29 No March 4, 2025 Portland, OR 97213
$118 $1,410 Progressive 24 No May 7, 2025 Portland, OR 97210
$120 $1,440 Progressive 27 No July 6, 2025 Portland, OR 97216
Last Updated Jul 30, 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
$34 $412 Progressive 46 No June 26, 2025 Portland, OR 97209
$36 $428 Progressive 44 Yes April 17, 2025 Portland, OR 97232
$40 $480 Progressive 44 No June 22, 2025 Portland, OR 97214
$50 $596 Progressive 47 No April 26, 2025 Portland, OR 97239
$50 $596 Progressive 46 No June 25, 2025 Portland, OR 97223
$55 $660 National General 41 No June 19, 2025 Portland, OR 97219
$57 $688 Progressive 36 Yes July 7, 2025 Portland, OR 97206
$62 $748 Progressive 43 Yes June 21, 2025 Portland, OR 97212
$62 $748 Progressive 38 Yes June 15, 2025 Portland, OR 97212
$69 $828 Progressive 41 No June 19, 2025 Portland, OR 97202
Last Updated Jul 30, 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
$58 $696 Progressive 55 Yes June 21, 2025 Portland, OR 97225
$58 $698 Progressive 60 No April 1, 2025 Portland, OR 97221
$61 $734 Safeco 55 No May 7, 2025 Portland, OR 97202
$63 $750 Progressive 61 No April 4, 2025 Portland, OR 97230
$68 $820 Progressive 72 Yes July 15, 2025 Portland, OR 97221
Last Updated Jul 30, 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
$34 $412 Progressive 46 June 26, 2025 No Portland, OR 97209
$36 $428 Progressive 44 April 17, 2025 Yes Portland, OR 97232
$40 $480 Progressive 44 June 22, 2025 No Portland, OR 97214
$50 $596 Progressive 47 April 26, 2025 No Portland, OR 97239
$50 $596 Progressive 46 June 25, 2025 No Portland, OR 97223
$55 $660 National General 41 June 19, 2025 No Portland, OR 97219
$57 $688 Progressive 36 July 7, 2025 Yes Portland, OR 97206
$58 $696 Progressive 55 June 21, 2025 Yes Portland, OR 97225
$58 $698 Progressive 60 April 1, 2025 No Portland, OR 97221
$61 $734 Safeco 55 May 7, 2025 No Portland, OR 97202
Last Updated Jul 30, 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 $106 $1,266 National General 61 October 29, 2024 Portland, OR 97222
<550 $113 $1,350 Progressive 33 June 10, 2025 Portland, OR 97211
<550 $118 $1,414 ROOT 55 July 7, 2025 Portland, OR 97213
<550 $122 $1,466 The General 46 March 28, 2025 Portland, OR 97214
<550 $128 $1,533 The General 66 May 17, 2024 Portland, OR 97201
Last Updated Jul, 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 $58 $696 Progressive 70 No June 23, 2025 Portland, OR 97229
At Fault With No Injury $95 $1,140 National General 38 No November 22, 2024 Portland, OR 97211
At Fault With No Injury $96 $1,146 Progressive 36 No May 8, 2025 Portland, OR 97232
At Fault With No Injury $98 $1,174 Progressive 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 Jul, 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 over 15 $91 $1,086 Progressive 36 July 18, 2025 Portland, OR 97213
Speeding under 15 $129 $1,544 Progressive 33 July 14, 2025 Portland, OR 97203
Speeding under 15 $150 $1,800 The General 67 May 22, 2024 Portland, OR 97267
Speeding under 15 $153 $1,836 Dairyland 41 June 15, 2024 Portland, OR 97209
Speeding under 15 $168 $2,011 The General 53 June 9, 2024 Portland, OR 97223
Last Updated Jul, 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.

MEET 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 $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.