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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $412 | Progressive | 73 | July 8, 2025 | Portland, OR | 97223 |
| $41 | $496 | Progressive | 59 | April 17, 2025 | Portland, OR | 97223 |
| $42 | $502 | Safeco | 52 | March 10, 2025 | Portland, OR | 97211 |
| $47 | $558 | Progressive | 33 | June 18, 2025 | Portland, OR | 97222 |
| $47 | $562 | Progressive | 25 | April 26, 2025 | Portland, OR | 97225 |
| $53 | $634 | Progressive | 27 | March 9, 2025 | Portland, OR | 97205 |
| $58 | $698 | Safeco | 26 | February 3, 2025 | Portland, OR | 97209 |
| $61 | $726 | Bristol West | 74 | June 30, 2025 | Portland, OR | 97203 |
| $66 | $796 | Progressive | 60 | April 1, 2025 | Portland, OR | 97221 |
| $67 | $802 | Safeco | 56 | February 24, 2025 | Portland, OR | 97266 |
If you have a loan or lease on your vehicle, the lender will require
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $45 | $540 | Progressive | 56 | May 25, 2024 | Portland, OR | 97225 |
| $47 | $558 | Progressive | 33 | June 18, 2025 | Portland, OR | 97222 |
| $48 | $574 | Progressive | 73 | July 8, 2025 | Portland, OR | 97223 |
| $65 | $784 | Progressive | 62 | February 26, 2025 | Portland, OR | 97220 |
| $74 | $882 | Progressive | 29 | May 10, 2025 | Portland, OR | 97214 |
| $75 | $894 | Progressive | 33 | January 23, 2025 | Portland, OR | 97229 |
| $86 | $1,036 | Progressive | 59 | April 17, 2025 | Portland, OR | 97223 |
| $87 | $1,040 | Bristol West | 38 | November 22, 2024 | Portland, OR | 97211 |
| $89 | $1,068 | Progressive | 25 | April 26, 2025 | Portland, OR | 97225 |
| $90 | $1,079 | Safeco | 28 | July 1, 2024 | Portland, OR | 97216 |
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: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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $562 | Progressive | 25 | No | April 26, 2025 | Portland, OR | 97225 |
| $53 | $634 | Progressive | 27 | No | March 9, 2025 | Portland, OR | 97205 |
| $63 | $754 | Safeco | 26 | No | February 14, 2025 | Portland, OR | 97209 |
| $71 | $849 | Safeco | 25 | No | May 20, 2025 | Portland, OR | 97212 |
| $74 | $882 | Progressive | 29 | Yes | May 10, 2025 | Portland, OR | 97214 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $502 | Safeco | 52 | No | March 10, 2025 | Portland, OR | 97211 |
| $47 | $558 | Progressive | 33 | Yes | June 18, 2025 | Portland, OR | 97222 |
| $75 | $894 | Progressive | 33 | Yes | January 23, 2025 | Portland, OR | 97229 |
| $75 | $894 | Progressive | 39 | No | March 28, 2025 | Portland, OR | 97232 |
| $87 | $1,040 | Bristol West | 38 | Yes | November 22, 2024 | Portland, OR | 97211 |
| $94 | $1,125 | Safeco | 37 | No | July 19, 2024 | Portland, OR | 97211 |
| $95 | $1,142 | Bristol West | 31 | No | January 13, 2024 | Portland, OR | 97210 |
| $95 | $1,144 | National General | 33 | No | June 10, 2025 | Portland, OR | 97211 |
| $96 | $1,146 | Progressive | 36 | No | May 8, 2025 | Portland, OR | 97232 |
| $99 | $1,192 | Safeco | 37 | Yes | May 27, 2024 | Portland, OR | 97213 |
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 | $412 | Progressive | 73 | No | July 8, 2025 | Portland, OR | 97223 |
| $41 | $496 | Progressive | 59 | No | April 17, 2025 | Portland, OR | 97223 |
| $45 | $540 | Progressive | 56 | Yes | May 25, 2024 | Portland, OR | 97225 |
| $61 | $726 | Bristol West | 74 | No | June 30, 2025 | Portland, OR | 97203 |
| $65 | $784 | Progressive | 62 | Yes | February 26, 2025 | Portland, OR | 97220 |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $412 | Progressive | 73 | July 8, 2025 | No | Portland, OR | 97223 |
| $42 | $502 | Safeco | 52 | March 10, 2025 | No | Portland, OR | 97211 |
| $47 | $558 | Progressive | 33 | June 18, 2025 | Yes | Portland, OR | 97222 |
| $53 | $634 | Progressive | 27 | March 9, 2025 | No | Portland, OR | 97205 |
| $63 | $754 | Safeco | 26 | February 14, 2025 | No | Portland, OR | 97209 |
| $65 | $784 | Progressive | 62 | February 26, 2025 | Yes | Portland, OR | 97220 |
| $66 | $796 | Progressive | 60 | April 1, 2025 | No | Portland, OR | 97221 |
| $67 | $802 | Safeco | 56 | February 24, 2025 | No | Portland, OR | 97266 |
| $71 | $850 | Bristol West | 56 | February 21, 2024 | No | Portland, OR | 97211 |
| $75 | $894 | Progressive | 39 | March 28, 2025 | No | Portland, OR | 97232 |
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 | $98 | $1,180 | Bristol West | 61 | October 29, 2024 | Portland, OR | 97222 |
| <550 | $113 | $1,350 | Progressive | 33 | June 10, 2025 | Portland, OR | 97211 |
| <550 | $125 | $1,502 | Safeco | 27 | September 13, 2024 | Portland, OR | 97225 |
| <550 | $143 | $1,717 | Dairyland | 46 | March 28, 2025 | Portland, OR | 97214 |
| <550 | $144 | $1,733 | Dairyland | 30 | June 19, 2025 | Portland, OR | 97227 |
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 | $53 | $636 | Progressive | 56 | Yes | May 25, 2024 | Portland, OR | 97225 |
| At Fault With No Injury | $86 | $1,036 | Progressive | 59 | Yes | April 17, 2025 | Portland, OR | 97223 |
| At Fault With Injury | $94 | $1,125 | Safeco | 37 | No | July 19, 2024 | Portland, OR | 97211 |
| 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 |
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 | $45 | $540 | Progressive | 56 | May 25, 2024 | Portland, OR | 97225 |
| Speeding under 15 | $115 | $1,376 | National General | 50 | August 22, 2024 | Portland, OR | 97267 |
| Speeding over 15 | $149 | $1,786 | National General | 43 | July 7, 2025 | Portland, OR | 97229 |
| Speeding over 15 | $158 | $1,898 | ROOT | 32 | May 26, 2025 | Portland, OR | 97225 |
| Speeding over 15 | $165 | $1,976 | National General | 37 | March 27, 2024 | Portland, OR | 97202 |
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.
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.
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.
