Portland drivers pay an average of $2,007/year — $236 more than the national average. With 11,444 crashes per year and a 4.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $651/year.
(888) 217-6781Estimated full coverage auto insurance rates for Portland, OR from top carriers. Rates are adjusted for Portland's 11,444 annual crashes, 4.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $760 | $127/mo |
| Progressive | $854 | $142/mo |
| State Farm | $935 | $156/mo |
| Farmers | $1,076 | $179/mo |
| Allstate | $1,144 | $191/mo |
Estimates based on 2026 rate filings for ZIP 97204. GEICO is cheapest at ~$127/mo. Actual rates vary by driver profile and exact Portland location.
These Portland-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Portland, OR. Takes under 2 minutes.
(888) 217-6781Portland is one of the largest metropolitan areas in Oregon, and its size directly impacts auto insurance rates. With a population of 652,503, the city sees heavy traffic volume, higher accident frequency, and elevated vehicle theft — all factors that push premiums above the state average. Major highways running through Portland create high-risk corridors where multi-vehicle accidents are common. Despite higher base rates, Portland drivers can find significant savings by comparing carriers.
For official Oregon insurance regulations, visit the Oregon Division of Financial Regulation. For driver licensing, see the Oregon DMV.
Your specific ZIP code within Portland can swing your premium by hundreds of dollars. Here's how rates compare across Portland neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 97213 | Portland South Side | $1,860/yr | $155/mo |
| 97209 | Portland North Side | $1,951/yr | $163/mo |
| 97212 | Portland West Side | $2,020/yr | $168/mo |
| 97212 | Portland East Side | $2,042/yr | $170/mo |
| 97204 | Portland Downtown/Central | $2,177/yr | $181/mo |
The cheapest ZIP is 97213 (Portland South Side) at $1,860/yr. The most expensive is 97204 (Portland Downtown/Central) at $2,177/yr — a $317/year difference for the same driver.
Your Portland ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Portland. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,215/yr | $351/mo | +110% vs avg |
| Young Adult (20-25) | $2,810/yr | $234/mo | +40% vs avg |
| Adult (26-35) | $2,007/yr | $167/mo | 0% vs avg |
| Mid-Career (36-50) | $1,766/yr | $147/mo | -12% vs avg |
| Senior (51-65) | $1,666/yr | $139/mo | -17% vs avg |
| 65+ | $1,786/yr | $149/mo | -11% vs avg |
Teens in Portland pay an average of $4,215/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,666/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 Oregon cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Portland drivers can save up to $651/year. ZIP 97213 (Portland South Side) has the lowest rates starting at $1,860/yr.
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