Portsmouth drivers pay an average of $1,232/year — $539 less than the national average. With 240 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $188/year.
(888) 217-6781Estimated full coverage auto insurance rates for Portsmouth, OH from top carriers. Rates are adjusted for Portsmouth's 240 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $466 | $78/mo |
| Erie Insurance | $493 | $82/mo |
| Progressive | $525 | $87/mo |
| State Farm | $579 | $96/mo |
| Allstate | $702 | $117/mo |
Estimates based on 2026 rate filings for ZIP 41174. GEICO is cheapest at ~$78/mo. Actual rates vary by driver profile and exact Portsmouth location.
These Portsmouth-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Portsmouth, OH. Takes under 2 minutes.
(888) 217-6781Portsmouth is a smaller city in Ohio with a population of 18,252. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as lake-effect snow, severe thunderstorms, tornadoes, flooding, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Portsmouth.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Portsmouth can swing your premium by hundreds of dollars. Here's how rates compare across Portsmouth neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 41183 | Portsmouth South Side | $1,174/yr | $98/mo |
| 41179 | Portsmouth North Side | $1,192/yr | $99/mo |
| 41182 | Portsmouth West Side | $1,215/yr | $101/mo |
| 41182 | Portsmouth East Side | $1,276/yr | $106/mo |
| 41174 | Portsmouth Downtown/Central | $1,327/yr | $111/mo |
The cheapest ZIP is 41183 (Portsmouth South Side) at $1,174/yr. The most expensive is 41174 (Portsmouth Downtown/Central) at $1,327/yr — a $153/year difference for the same driver.
Your Portsmouth ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Portsmouth. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,587/yr | $216/mo | +110% vs avg |
| Young Adult (20-25) | $1,725/yr | $144/mo | +40% vs avg |
| Adult (26-35) | $1,232/yr | $103/mo | 0% vs avg |
| Mid-Career (36-50) | $1,084/yr | $90/mo | -12% vs avg |
| Senior (51-65) | $1,023/yr | $85/mo | -17% vs avg |
| 65+ | $1,096/yr | $91/mo | -11% vs avg |
Teens in Portsmouth pay an average of $2,587/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,023/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Ohio cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Portsmouth drivers can save up to $188/year. ZIP 41183 (Portsmouth South Side) has the lowest rates starting at $1,174/yr.
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