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Last updated: August 31, 2025Best Cheap Car Insurance in Portland, Oregon
USAA has the best rates in Portland, OR, at $1,452 per year for full coverage and $765 per year for minimum coverage. State Farm, Nationwide, GEICO, and The Hartford are also among our top picks.
Cheapest
Editor's Rating: 5/5
Average Cost in Portland
- Full Coverage Monthly: $121
- Minimum Coverage Monthly: $64
Best for Customer Satisfaction
Editor's Rating: 4.9/5
Average Cost in Portland
- Full Coverage Monthly: $132
- Minimum Coverage Monthly: $72
Best for Bundling
Editor's Rating: 4.8/5
Average Cost in Portland
- Full Coverage Monthly: $137
- Minimum Coverage Monthly: $86
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Key Takeaways
- Auto insurance in Portland is more expensive than the Oregon average. The cost of full coverage in Portland is $2,171 annually on average, while the cost of minimum coverage is $1,308 annually on average.
- State Farm and USAA offer the cheapest auto insurance rates in Portland on average. They also have strong customer service records, along with GEICO.
- Average rates will only give you a ballpark figure — your actual rate will vary based on where you live, the vehicle you drive, your driving history, and more.
Our Top Picks for the Best Cheap Auto Insurance in Portland
- Cheapest: USAA
- Best for Customer Satisfaction: State Farm
- Best for Bundling: Nationwide
- Best for Digital Tools: GEICO
- Best for Seniors: The Hartford
Compare the Best Cheap Auto Insurance in Portland
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Northwest Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,452 | $765 | Above average |
| State Farm | $1,579 | $866 | Above average |
| Nationwide | $1,639 | $1,034 | Below average |
| GEICO | $2,051 | $1,047 | Above average |
| The Hartford | Data unavailable | Data unavailable | Above average |
| Portland | $2,171 | $1,308 | – |
Detailed List of the Best Cheap Providers in Portland
1. Cheapest - USAA
What We Like Most:
- Cheapest Portland rates
- Military-specific coverage
- Excellent customer service
Why we chose it
If you’re eligible for USAA insurance, it’s a fantastic choice for auto insurance. It’s only available to military members, veterans, and their families. Because of its restrictive membership, it technically isn’t ranked among other insurers on J.D. Power’s studies, but it earned the highest score by far for the Northwest region. It offers tailored support for the military community as well as great discounts.
Who it’s best for
Current members of the military, veterans, and their families who are looking for excellent insurance.
Portland Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $121 | $64 |
| Annually | $1,452 | $765 |
| Difference from Portland average | -33% | 42% |
2. Best for Customer Satisfaction - State Farm
What We Like Most:
- #1 for customer satisfaction in the Northwest region
- Reliable network of local agents
- Wide range of coverage and discounts
Why we chose it
State Farm is a major national insurer known for its reliable network of local agents. It came in first on J.D. Power’s most recent customer satisfaction survey for the Northwest region, indicating that policyholders are pleased with the service they receive from the company. It also offers the most affordable average rates for both full and minimum coverage after USAA.
Who it’s best for
Since State Farm does not allow online purchasing, it’s ideal for those who want to work with a local agent. It’s a great choice for safe drivers who want to take advantage of a wide variety of coverages and discounts, as well as those with young drivers, thanks to State Farm’s Steer Clear telematics program.
Portland Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $132 | $72 |
| Annually | $1,579 | $866 |
| Difference from Portland average | -27% | -34% |
3. Best for Bundling - Nationwide
What We Like Most:
- Highly rated digital experience
- Pay-per-mile option
- Wide variety of bundling opportunities
Why we chose it
Nationwide’s average rates are far below average in Portland, and it also ranked fourth on J.D. Power’s Auto Claims Satisfaction Study with a score of 728 out of 1,000. It scored slightly below average in J.D. Power’s Auto Insurance Study for the Northwest region, but its low average rates and its high ratings on other customer satisfaction metrics still make it a good option for Portland drivers.
Who it’s best for
If you’re a good student or safe driver looking to add savings to your premium with discounts, Nationwide is a great choice. Nationwide also offers a variety of multi-policy discount combinations — like auto and home, auto and renters, boat and auto, and multi-car — so if you’re looking to bundle, be sure to get a quote from Nationwide. Finally, Portland customers who drive only occasionally — for example because you work from home, cycle, or take transit — can save with Nationwide’s pay-per-mile program, SmartMiles.
Portland Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $137 | $86 |
| Annually | $1,639 | $1,034 |
| Difference from Portland average | -25% | -21% |
4. Best for Digital Tools - GEICO
What We Like Most:
- Ranked above-average in Northwest
- User-friendly app
- Cheaper-than-average rates
Why we chose it
GEICO is known nationally for its cheaper-than-average rates, and this holds true in Portland — especially in the minimum coverage category. It also scored above-average in J.D. Power’s customer satisfaction survey in the Northwest.
Who it’s best for
GEICO is best for drivers who prefer to shop and manage their insurance policies digitally. Note that it doesn’t underwrite its own homeowners insurance, so it’s likely a better fit for renters if you plan to bundle.
Portland Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $171 | $87 |
| Annually | $2,051 | $1,047 |
| Difference from Portland average | -6% | -20% |
5. Best for Seniors - The Hartford
What We Like Most:
- Discounts for AARP members
- Good for bundling
- Highly rated customer satisfaction in the Northwest
Why we chose it
The Hartford offers exclusive benefits and discounts for AARP members. In fact, it’s the only national auto insurance agency endorsed by AARP. It also scored high on J.D. Power’s study for customer satisfaction in the Northwest region, making it a solid choice for Portland seniors. Though pricing data is unavailable for The Hartford, if you’re an AARP member, it’s definitely worth getting a quote.
Who it’s best for
The Hartford is a great choice for AARP members ages 50 or older. Qualifying members benefit from up to 10 percent off their premium and enjoy specialized perks, like accident forgiveness.
Portland Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Northwest1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| USAA | 729 | D+ | 726 | 2.74 |
| State Farm | 648 | C- | 710 | 2.15 |
| Nationwide | 625 | C | 728 | 2.72 |
| GEICO | 631 | C- | 692 | 1.97 |
| The Hartford | 645 | C+ | 701 | 0.79 |
| Average | 629 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Portland
For full coverage auto insurance in Portland, USAA has the cheapest rates, with an average annual premium of $1,452. That’s 33 percent cheaper than the city average. State Farm and Nationwide offer the next cheapest rates at $1,579 per year and $1,639 per year, respectively.
| Company | Annual Portland Average | Monthly Portland Average |
|---|---|---|
| USAA | $1,452 | $121 |
| State Farm | $1,579 | $132 |
| Nationwide | $1,639 | $137 |
| American Family | $1,872 | $156 |
| Country Financial | $1,908 | $159 |
| Progressive | $1,983 | $165 |
| GEICO | $2,051 | $171 |
| Travelers | $2,070 | $173 |
| Farmers | $3,096 | $258 |
| Allstate | $3,184 | $265 |
| Portland average | $2,171 | $181 |
| Oregon average | $1,794 | $149 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Portland
USAA also has the most affordable rates for minimum coverage in Portland at $765 annually on average, which is 42 percent less than the city average. State Farm and Progressive also have competitive rates for minimum coverage.
| Company | Annual Portland Average | Monthly Portland Average |
|---|---|---|
| USAA | $765 | $64 |
| State Farm | $866 | $72 |
| Progressive | $969 | $81 |
| Nationwide | $1,034 | $86 |
| GEICO | $1,047 | $87 |
| Country Financial | $1,062 | $89 |
| Travelers | $1,140 | $95 |
| American Family | $1,152 | $96 |
| Allstate | $1,746 | $146 |
| Farmers | $1,794 | $150 |
| Portland average | $1,308 | $109 |
| Oregon average | $1,023 | $85 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Portland?
The Portland Bureau of Transportation doesn’t publish much data on the total number of car accidents that occur in Portland, but focuses instead on the number of traffic deaths. In 2024, 58 people died in the city as a result of a motor vehicle crash, including 23 who were in cars, 10 on motorcycles, 22 pedestrians, and 3 bicyclists.5 This represents a decline from 2023, which saw 69 traffic deaths.
Some of the most dangerous streets in Portland, where the most people in motor vehicles were killed or seriously injured between 2017 and 2021, were SE Powell Blvd, Lombard St, and NE Marine Dr.6 Use extra caution when driving in these areas.
Minimum Auto Insurance Requirements in Oregon
The minimum auto insurance limits required by Oregon law are as follows:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident7
In addition to the standard liability coverages, Oregon requires personal injury protection coverage and uninsured/underinsured motorist coverage. While these limits offer a baseline amount of protection, it’s a good idea to increase your liability limits and add full coverage.
GOOD TO KNOW:
While uninsured/underinsured motorist coverage may not seem necessary, it will help pay for damages if you’re in an accident caused by a driver without insurance or without sufficient insurance. It can help you avoid significant out-of-pocket expenses in this situation.
Frequently Asked Questions
Is State Farm cheaper than GEICO?
In Portland, OR, State Farm is much cheaper than GEICO on average. State Farm has an average annual premium of $1,579 for full coverage and $866 for minimum coverage. GEICO, by comparison, has an average annual premium of $2,051 for full coverage and $1,047 for minimum coverage.
Who has the cheapest car insurance rates in Oregon?
USAA has the cheapest car insurance rates in Oregon for both minimum coverage and full coverage, well below the state average. It also offers the cheapest rates in Portland. For non-military drivers, Country Financial and Progressive have the cheapest average rates in Oregon for full coverage and minimum coverage, respectively.
Why is car insurance so expensive?
Car insurance is more expensive in Portland than the Oregon average due to several reasons, including the higher population and traffic density in the city, which leads to an increased risk of accidents. The cost of repairs also tends to be higher in major cities, as does the vehicle theft rate.
Is GEICO cheaper than Progressive?
GEICO is not cheaper than Progressive in Portland, but the difference is minimal. Progressive has an average full coverage rate of $1,983 per year in Portland, while GEICO charges an average of $2,051. For minimum coverage, Progressive’s average annual rate is $969, while GEICO’s is $1,047.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Portland, Oregon, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmPORTLAND 2024 DEADLY TRAFFIC CRASH REPORT. Portland Bureau of Transportation. (2024).
https://www.portland.gov/transportation/vision-zero/documents/portland-2024-deadly-traffic-crash-report-executive-summary/downloadHigh Crash Network streets and intersections. City of Portland. (2025).
https://www.portland.gov/transportation/vision-zero/high-crash-network-streets-and-intersectionsInsurance Requirements. Oregon Driver & Motor Vehicle Services. (2025).
https://www.oregon.gov/odot/dmv/pages/driverid/insurance.aspx
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