Car Insurance in Portland

Oregon’s largest city, Portland, is an urbanite and naturist dream. Sitting on the Columbia and Willamette rivers, Portland is home to thriving arts and culture institutions and a deeply entrenched culinary scene, while holding the honorary distinction of being the city with the most craft breweries in the world.

Some of Portland’s most revered attractions include Washington Park, the flora-rich Hoyt Arboretum Park, the Oregon Zoo, and the Pittock Mansion, one of the oldest remaining French chateaus in the United States. On the nature side, residents also enjoy close proximity to wine country. Nearby sits Mount Hood and the Columbia River Gorge, a canyon up to 4,000 feet deep that borders the state of Washington and offers endless hiking opportunities.

With a neat mix of urban fare and nature trails, Portland, Oregon, has something to offer for everyone. And with roughly 3.1 million licensed drivers in Oregon (many of them in Portland), finding cheap car insurance is a priority to keep your family and property safe.

Quick Facts

On average, the cost of car insurance in Portland is $78 per month. This is higher than the U.S. national average at $39 and higher than the average car insurance cost in Oregon, which is $51 per month for the state’s required minimum coverage.

Many factors go into determining auto insurance premium rates, including but not limited to, driving history, age, gender, and make/model of your vehicle. Motorists with clean driving records generally pay lower premiums than those with affected driving records.

We highly recommend purchasing a comprehensive auto insurance policy that covers you in the event of a crash. Without it, you may be on the hook for all of your injury and personal damage-related expenses.

In 2019, there were 46 fatal vehicle accidents in Portland, Oregon. Of these, there were 49 fatalities and 68 vehicles involved. Twelve accidents involved drunk persons.

How Are the Road Infrastructure and Bridges in Portland?

Portland, Oregon, roads and infrastructure are constantly being revised. As of this writing, Multnomah County (where Portland is) has several projects underway, such as the 238th Drive Improvement Project that focuses on the development of new passing lanes and shared paths for walking and biking.

Many other Portland infrastructure projects focus on developing neighborhood greenways, improving pedestrian/bicycle lanes/bus stops, and upgrading curb ramps to adhere to ADA standards.

With more than 90% of Portland households owning one or more vehicles, having a comprehensive auto insurance policy is very important. Oregon is an “at-fault” state. This means motorists at fault for an accident are expected to pay damages to all affected parties. Your insurance policy will dictate what damages are paid and to whom depending on which party was responsible. Motorists who are determined to be at fault can be on the hook for thousands and thousands of dollars’ worth of damages, including bodily injury and property damage.

In Oregon, the state minimums are as follows:

Many factors go into determining what drivers pay for their auto insurance policy. Here are the major ones insurers in Portland are allowed to consider when determining your rates: