Best cheap car insurance in Portland

Portland’s average car insurance cost is $843 per year for minimum coverage, and $1639 for complete coverage. It is vital that you have the right amount of insurance to protect yourself in Oregon, where there are over 3 million licensed drivers. There are also 1.8 million new registered vehicles every year. Your Oregon driver’s license can be suspended and you may have to pay a fine of $130-$1,000.

These companies are the best Portland car insurance companies. They offer affordable pricing, high customer satisfaction ratings, and many discounts to help you save.

The best car insurance companies Portland

We compared the 2021 average rates of Quadrant Information Services to find the best Portland car insurance. We then analyzed factors such as third-party customer satisfaction ratings and discounts, financial stability, and coverage options.

Oregon Mutual

Oregon Mutual is the lowest priced car insurance in Portland. It’s a regional carrier that offers insurance in California, Oregon and Washington. Oregon Mutual offers the best rates and a lot of value. Oregon Mutual will replace your car’s seats after an accident, and cover your pet’s injuries. Your insurance costs can be reduced throughout the term of your policy. Oregon Mutual provides accident forgiveness to help keep your premiums low after a claim. It also reduces your collisiondeductible each year that you do not file a claim or are not in an accident.


USAA provides insurance for veterans, military personnel, and their families. You must first become a USAA member to get car insurance. After you have been set up, you will find that the premiums for full and basic coverage are in the middle. Combining home and auto insurance will reduce your insurance costs by 10%. Your premiums will not rise if you have an accident. You can get USAA auto insurance if you are eligible. There are many affordable options available to meet the needs of military personnel. You will also be working with J.D. Power’s top-rated insurance companies to ensure customer satisfaction.


Travelers Insurance is similar to Oregon Mutual. It offers accident forgiveness and will replace your vehicle with a brand new one. Travelers Insurance is a national company with outstanding financial stability. You may be eligible for additional discounts if you pay your premiums early, insure college students, or have more than one type o Travelers insurance.


Capital Insurance Group (CIG), stands out from other carriers because of its flexible coverage options. Capital Insurance is the best option if you want to create your own insurance package. CIG’s mobile app allows policyholders to schedule payments, review coverage, and file claims. Capital Insurance may offer discounts, such as bundling home and renters insurance to get discounts on both.


The coverage options include personal injury protection, emergency assistance, rental car insurance, and roadside assistance. You can also save up to 25% on emergency deployment, multi-vehicle discounts and for good drivers. Military members, students, federal workers, and members of certain organisations can also enjoy exclusive savings.

Portland has the lowest car insurance

Oregon’s average car insurance rate is $579 for minimum coverage and $1,363 full coverage. Portland’s premiums are $843 for minimum coverage and $1,639 full coverage. This is significantly higher than the state average. These rates are not the lowest possible — depending on what coverage you have and which insurance company you choose, you may be able to find Portland car insurance for less. These are the lowest car insurance Portland premiums:

If you take advantage the discounts offered by Travelers and Geico, you could save money on your car insurance. While Progressive and Nationwide offer low-cost car insurance, Portland premiums are more expensive than the average. USAA’s attractive pricing may be appealing, but not everyone will be able to afford the quality, affordable insurance. Before purchasing coverage, you will need to be a USAA member by verifying that you are a veteran or have a close relationship with a military member.

Insurance requirements for Portland

Portland requires that drivers have a minimum amount in car insurance. It is legal to keep the minimum amount of car insurance, but it might not be sufficient if you are involved in a serious accident. Any expenses beyond the minimum coverage will be your responsibility. So think carefully about the financial risk that you take by purchasing basic car insurance.

The insurance requirements for Portland are:

  • For bodily injury, liability coverage is $25,000 per person and $50,000 for each accident
  • Property damage coverage: $20,000
  • Personal Injury Protection of $15,000 Per Person
  • Uninsured motorist coverage to bodily injury up to $25,000 per person or $50,000 per accident

Portland offers car insurance discounts

Oregon has higher requirements for car insurance than other states. Both liability coverage and coverage for uninsured motorists are required. This can be costly. Savings can help you keep your budget in check. Portland drivers should benefit from these discounts:

  • Telematics which track your driving and offer discounts based on your skill level
  • Great student savings for college and high school students
  • Bundling renters and homeowners insurance with auto coverage
  • Discounts on vehicle safety equipment when your car has driver assistance or accident/injury prevention tech

Questions frequently asked

Which is the best auto insurance company?

Your needs and profession will determine which car insurance company is best for you. Compare multiple quotes to find the best rates and discounts for you.

What is the cost of car insurance in Portland?

Portland’s minimum insurance premiums are $843 and full coverage is $1,639 respectively. Portland’s auto insurance rates are more expensive than Oregon’s. Get quotes from multiple carriers to find the best car insurance Portland has to offer.

What amount of car insurance do you need in Portland?

Liability coverage must cover at least $25,000 for bodily injuries per person, $50,000 per accident and $20,000 per property damage per accident. Uninsured motorist bodily harm insurance is $25,000 per person and $50,000 each accident.