- Portland car insurance cost averages $1,236 per year for full coverage, or about $103 on a monthly basis.
- Compact crossovers like the Subaru Crosstrek, Nissan Kicks, Chevrolet Trailblazer, and Buick Envision are our top picks for having cheap car insurance in Portland.
What is average car insurance cost in Portland?
Average car insurance rates in Portland, ME, cost $1,236 per year, or about $103 per month. That’s 41.5% cheaper than the overall overall U.S. national average rate of $1,883 per year.
The average car insurance expense in Maine is $1,216 per year, so Portland, Maine, drivers pay an average of $20 more per year than the overall Maine state-wide average rate. When rates are compared to other larger cities in Maine, the cost to insure a vehicle in Portland is $6 per year more than in Bangor, $20 per year less than in Lewiston, and $16 per year less than in Auburn.
The age of the driver is one of the largest influencers on the cost of car insurance. The list below illustrates this by showing the difference in average car insurance rates in Portland for drivers from age 16 to 60.
Average car insurance rates in Portland for drivers age 16 to 60
- 16 year old – $4,388 per year or $366 per month
- 17 year old – $4,251 per year or $354 per month
- 18 year old – $3,809 per year or $317 per month
- 19 year old – $3,471 per year or $289 per month
- 20 year old – $2,478 per year or $207 per month
- 30 year old – $1,316 per year or $110 per month
- 40 year old – $1,236 per year or $103 per month
- 50 year old – $1,092 per year or $91 per month
- 60 year old – $1,022 per year or $85 per month
The next chart displays additional costs for drivers age 20 to 60 by including rates for three different policy deductible limits. Showing these different rates can help you understand how the cost of a car insurance policy increases with lower deductibles, and decreases with high deductibles.
In the chart above, the cost of auto insurance in Portland ranges from $864 per year for a 60-year-old driver with a high deductible policy to $2,882 per year for a 20-year-old driver with a low deductible. When converted to a monthly rate, the average cost in the previous chart ranges from $72 to $240 per month.
In Portland, which vehicles are cheapest to insure?
The vehicles with the cheapest average car insurance prices in Portland, ME, tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, Nissan Kicks, and Toyota Corolla Cross.
Average auto insurance prices for those compact SUVs cost $1,002 or less per year for full coverage.
Some other models that are ranked high in our insurance cost comparison are the Buick Encore, Buick Envista, Subaru Outback, and Volkswagen Taos. Insurance rates are somewhat higher for those models than the compact SUVs at the top of the rankings, but they still have average rates of $1,056 or less per year, or about $88 per month in Portland.
The table below ranks the top 25 cheapest vehicles to insure in Portland, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $912 | $76 |
| 2 | Chevrolet Trailblazer | $926 | $77 |
| 3 | Kia Soul | $962 | $80 |
| 4 | Nissan Kicks | $970 | $81 |
| 5 | Honda Passport | $982 | $82 |
| 6 | Buick Envision | $988 | $82 |
| 7 | Toyota Corolla Cross | $992 | $83 |
| 8 | Hyundai Venue | $1,002 | $84 |
| 9 | Mazda CX-5 | $1,004 | $84 |
| 10 | Ford Bronco Sport | $1,010 | $84 |
| 11 | Volkswagen Tiguan | $1,020 | $85 |
| 12 | Acura RDX | $1,030 | $86 |
| 13 | Nissan Murano | $1,034 | $86 |
| 14 | Buick Encore | $1,046 | $87 |
| 15 | Honda CR-V | $1,050 | $88 |
| 16 | Subaru Outback | $1,050 | $88 |
| 17 | Buick Envista | $1,054 | $88 |
| 18 | Chevrolet Colorado | $1,054 | $88 |
| 19 | Kia Niro | $1,056 | $88 |
| 20 | Volkswagen Taos | $1,056 | $88 |
| 21 | Toyota GR Corolla | $1,070 | $89 |
| 22 | Honda HR-V | $1,072 | $89 |
| 23 | Subaru Ascent | $1,072 | $89 |
| 24 | Nissan Leaf | $1,080 | $90 |
| 25 | Honda Civic | $1,092 | $91 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
A list of 25 vehicle models with cheap Portland car insurance really is not a great way to present a comprehensive summary of the cost of car insurance. Considering we track over 700 vehicles, the majority of models get omitted from the list.
Let’s try a different approach and list the models with the lowest rates in a different format. The following six sections rank the top 20 vehicles with the lowest cost auto insurance rates for the most popular vehicle segments.
Cheapest cars to insure in Portland, Maine
The top four non-luxury cars with the most affordable insurance in Portland are the Toyota GR Corolla at $1,070 per year, Nissan Leaf at $1,080 per year, Honda Civic at $1,092 per year, and Nissan Sentra at $1,128 per year.
Not the cheapest, but still very affordable, are cars like the Honda Accord, Chevrolet Malibu, Hyundai Ioniq 6, and Kia K5, with average rates of $1,194 per year or less.
Ranking between positions 10 and 20, models like the Toyota Crown, Mazda 3, Kia Forte, Subaru Legacy, Toyota Corolla, and Hyundai Sonata cost between $1,194 and $1,274 per year to insure.
From a monthly standpoint, full-coverage auto insurance in Portland on this segment starts at around $89 per month, depending on the company.
The table below ranks the twenty cars with the cheapest average insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,070 | $89 |
| Nissan Leaf | Compact | $1,080 | $90 |
| Honda Civic | Compact | $1,092 | $91 |
| Nissan Sentra | Compact | $1,128 | $94 |
| Subaru Impreza | Compact | $1,132 | $94 |
| Hyundai Ioniq 6 | Midsize | $1,134 | $95 |
| Toyota Prius | Compact | $1,152 | $96 |
| Honda Accord | Midsize | $1,188 | $99 |
| Kia K5 | Midsize | $1,188 | $99 |
| Chevrolet Malibu | Midsize | $1,194 | $100 |
| Toyota Corolla | Compact | $1,200 | $100 |
| Kia Forte | Compact | $1,202 | $100 |
| Volkswagen Arteon | Midsize | $1,210 | $101 |
| Nissan Versa | Compact | $1,214 | $101 |
| Subaru Legacy | Midsize | $1,216 | $101 |
| Mitsubishi Mirage G4 | Compact | $1,244 | $104 |
| Volkswagen Jetta | Compact | $1,244 | $104 |
| Toyota Crown | Midsize | $1,246 | $104 |
| Hyundai Sonata | Midsize | $1,248 | $104 |
| Mazda 3 | Compact | $1,274 | $106 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Portland car insurance quotes from top-rated companies in Maine.
Cheapest SUV insurance rates in Portland, Maine
The Subaru Crosstrek takes the top ranking for the lowest-cost SUV to insure in Portland, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $912 per year for a full-coverage insurance policy.
Other models that have cheaper rates are the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Ford Bronco Sport, with an average cost of $1,010 per year or less.
Auto insurance for this segment in Portland starts at around $76 per month, depending on the company and where you live.
If SUV size is considered, the most budget-friendly compact SUV to insure in Portland is the Subaru Crosstrek at $912 per year, or $76 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $982 per year, or $82 per month. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $1,158 per year, or $97 per month.
The rate comparison table below ranks the SUVs with the cheapest insurance rates in Portland, starting with the Subaru Crosstrek at $912 per year and ending with the Honda HR-V at $1,072 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $912 | $76 |
| Chevrolet Trailblazer | Compact | $926 | $77 |
| Kia Soul | Compact | $962 | $80 |
| Nissan Kicks | Compact | $970 | $81 |
| Honda Passport | Midsize | $982 | $82 |
| Buick Envision | Compact | $988 | $82 |
| Toyota Corolla Cross | Compact | $992 | $83 |
| Hyundai Venue | Compact | $1,002 | $84 |
| Mazda CX-5 | Compact | $1,004 | $84 |
| Ford Bronco Sport | Compact | $1,010 | $84 |
| Volkswagen Tiguan | Compact | $1,020 | $85 |
| Nissan Murano | Midsize | $1,034 | $86 |
| Buick Encore | Compact | $1,046 | $87 |
| Honda CR-V | Compact | $1,050 | $88 |
| Subaru Outback | Midsize | $1,050 | $88 |
| Buick Envista | Midsize | $1,054 | $88 |
| Kia Niro | Compact | $1,056 | $88 |
| Volkswagen Taos | Compact | $1,056 | $88 |
| Honda HR-V | Compact | $1,072 | $89 |
| Subaru Ascent | Midsize | $1,072 | $89 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Portland car insurance quotes from top-rated car insurance companies in Maine.
Cheapest pickup truck insurance rates in Portland
The three highest ranking pickup trucks with the cheapest average auto insurance rates in Portland are the Chevrolet Colorado at $1,054 per year, the Nissan Titan at $1,152 per year, and the Nissan Frontier at $1,166 per year.
Additional models that have cheaper rates include the GMC Canyon, Toyota Tacoma, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with average rates of $1,268 per year or less.
From a cost per month standpoint, auto insurance in this segment for the average driver starts at around $88 per month, depending on your location and insurance company.
The rate comparison table below ranks the twenty pickups with the most affordable auto insurance rates in Portland, starting with the Chevrolet Colorado at $88 per month and ending with the Ram Truck at $119 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,054 | $88 |
| Nissan Titan | Full-size | $1,152 | $96 |
| Nissan Frontier | Midsize | $1,166 | $97 |
| Ford Ranger | Midsize | $1,178 | $98 |
| Ford Maverick | Midsize | $1,196 | $100 |
| Honda Ridgeline | Midsize | $1,222 | $102 |
| Hyundai Santa Cruz | Midsize | $1,242 | $104 |
| Toyota Tacoma | Midsize | $1,246 | $104 |
| GMC Sierra 2500 HD | Heavy Duty | $1,254 | $105 |
| GMC Canyon | Midsize | $1,268 | $106 |
| Jeep Gladiator | Midsize | $1,296 | $108 |
| GMC Sierra 3500 | Heavy Duty | $1,306 | $109 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,318 | $110 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,352 | $113 |
| GMC Sierra | Full-size | $1,360 | $113 |
| Chevrolet Silverado | Full-size | $1,362 | $114 |
| Nissan Titan XD | Heavy Duty | $1,362 | $114 |
| Ford F150 | Full-size | $1,380 | $115 |
| GMC Hummer EV Pickup | Full-size | $1,414 | $118 |
| Ram Truck | Full-size | $1,424 | $119 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see your pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Portland car insurance quotes from top companies in Maine.
Cheapest luxury cars to insure in Portland
Ranking highest for the lowest-cost Portland auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Acura TLX, BMW 330i, Lexus IS 300, and Acura Integra. Rates for these 2024 models average $1,276 or less per year.
Additional models that have cheaper rates include the Lexus RC 300, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average cost of $1,294 per year or less.
Auto insurance in Portland for this segment for a good driver will start around $91 per month, depending on the company and where you live.
The most budget-friendly compact luxury car to insure in Portland is the Acura Integra at $1,096 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $1,268 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $1,458 per year.
The table below ranks the twenty luxury cars with the lowest-cost average auto insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,096 | $91 |
| BMW 330i | Compact | $1,254 | $105 |
| Mercedes-Benz CLA250 | Midsize | $1,268 | $106 |
| Lexus IS 300 | Midsize | $1,270 | $106 |
| Acura TLX | Compact | $1,276 | $106 |
| Cadillac CT4 | Compact | $1,286 | $107 |
| Lexus ES 350 | Midsize | $1,286 | $107 |
| Genesis G70 | Compact | $1,288 | $107 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,292 | $108 |
| Lexus RC 300 | Midsize | $1,294 | $108 |
| Lexus IS 350 | Compact | $1,296 | $108 |
| Jaguar XF | Midsize | $1,304 | $109 |
| Cadillac CT5 | Midsize | $1,328 | $111 |
| Lexus ES 250 | Midsize | $1,334 | $111 |
| Lexus RC 350 | Compact | $1,336 | $111 |
| BMW 330e | Compact | $1,338 | $112 |
| BMW 228i | Compact | $1,340 | $112 |
| BMW 230i | Compact | $1,350 | $113 |
| Lexus ES 300h | Midsize | $1,352 | $113 |
| Audi S3 | Compact | $1,382 | $115 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
See our guide for luxury car insurance to view any vehicles not shown in the table.
Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Portland car insurance quotes from top car insurance companies in Maine.
Cheapest luxury SUVs to insure in Portland, ME
Ranking at the top of the list for the most affordable Portland car insurance rates in the luxury SUV segment are the Jaguar E-Pace, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Insurance rates for these 2024 models average $97 or less per month.
Other models that are affordable to insure include the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus NX 450h, with average cost of $1,190 per year or less.
Full-coverage insurance for this segment in Portland starts at an average of $86 per month, depending on your location. The rate comparison table below ranks the twenty SUVs with the lowest-cost auto insurance rates in Portland, starting with the Acura RDX at $86 per month and ending with the Lexus NX 350 at $103 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,030 | $86 |
| Lexus NX 250 | Compact | $1,092 | $91 |
| Cadillac XT4 | Compact | $1,112 | $93 |
| Jaguar E-Pace | Midsize | $1,152 | $96 |
| Cadillac XT5 | Midsize | $1,162 | $97 |
| Lexus NX 350h | Compact | $1,164 | $97 |
| Lincoln Corsair | Compact | $1,178 | $98 |
| Mercedes-Benz GLB 250 | Compact | $1,178 | $98 |
| Lexus UX 250h | Compact | $1,182 | $99 |
| Lexus NX 450h | Compact | $1,190 | $99 |
| Infiniti QX50 | Midsize | $1,198 | $100 |
| Mercedes-Benz GLA250 | Compact | $1,198 | $100 |
| Mercedes-Benz GLA35 AMG | Compact | $1,204 | $100 |
| Cadillac XT6 | Midsize | $1,206 | $101 |
| Infiniti QX60 | Midsize | $1,212 | $101 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,212 | $101 |
| Land Rover Evoque | Compact | $1,230 | $103 |
| Acura MDX | Midsize | $1,232 | $103 |
| Lexus NX 350 | Compact | $1,234 | $103 |
| Lexus RX 350 | Midsize | $1,234 | $103 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 23, 2024
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see insurance rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Portland car insurance quotes from top-rated companies in Maine.
Cheapest sports car insurance rates in Portland
Taking the top spot in Portland for cheapest auto insurance rates in the sports car segment is the Mazda MX-5 Miata, with an average cost of $1,140 per year. Second place is the Toyota GR86 costing $1,298 per year, third place goes to the Ford Mustang, at an average of $1,356 per year, and the fourth most affordable is the BMW Z4, costing an average of $1,362 per year.
Also ranking well in our comparison are models like the Lexus RC F, BMW M2, Nissan Z, and Subaru BRZ, with an average cost of $1,472 per year or less.
In the bottom half of the top 20, cars like the BMW M3, Mercedes-Benz AMG GT53, Chevrolet Camaro, BMW M4, Porsche Taycan, and Porsche 911 average between $1,472 and $2,086 to insure per year in Portland.
From a cost per month standpoint, full-coverage car insurance in this segment for a safe driver starts at an average of $95 per month, depending on the company and your location.
The table below ranks the twenty sports cars with the cheapest insurance rates in Portland, starting with the Mazda MX-5 Miata at $1,140 per year ($95 per month) and ending with the Porsche Taycan at $2,086 per year ($174 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,140 | $95 |
| Toyota GR86 | Sports Car | $1,298 | $108 |
| Ford Mustang | Sports Car | $1,356 | $113 |
| BMW Z4 | Sports Car | $1,362 | $114 |
| Subaru WRX | Sports Car | $1,382 | $115 |
| Toyota GR Supra | Sports Car | $1,386 | $116 |
| BMW M2 | Sports Car | $1,426 | $119 |
| Nissan Z | Sports Car | $1,428 | $119 |
| Lexus RC F | Sports Car | $1,456 | $121 |
| Subaru BRZ | Sports Car | $1,472 | $123 |
| BMW M3 | Sports Car | $1,558 | $130 |
| Porsche 718 | Sports Car | $1,588 | $132 |
| Chevrolet Camaro | Sports Car | $1,600 | $133 |
| Chevrolet Corvette | Sports Car | $1,706 | $142 |
| Porsche 911 | Sports Car | $1,766 | $147 |
| BMW M4 | Sports Car | $1,840 | $153 |
| Lexus LC 500 | Sports Car | $1,850 | $154 |
| Jaguar F-Type | Sports Car | $1,944 | $162 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,038 | $170 |
| Porsche Taycan | Sports Car | $2,086 | $174 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Portland, ME Zip Codes. Updated February 22, 2024
Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Portland.
Portland auto insurance price variability
To help clarify the amount that car insurance premiums can vary for different drivers (and also stress the importance of getting rate quotes from multiple companies), the charts below present a wide range of car insurance rates for five popular vehicles in Portland: the Toyota Corolla, Toyota RAV4, Toyota Highlander, Honda Accord, and Chevrolet Camaro.
Each illustration uses different driver and policy risk profiles to demonstrate the difference in rates with only small changes in driver profile or coverage limits.
Toyota Corolla insurance rates
Toyota Corolla insurance in Portland costs an average of $1,200 per year, or about $100 per month, and ranges from $996 to $2,752 annually.
The Toyota Corolla is part of the compact car segment, and other similar models from the same segment include the Hyundai Elantra, Honda Civic, Chevrolet Cruze, and Volkswagen Jetta.
Toyota RAV4 insurance rates
Insurance for a Toyota RAV4 in Portland averages $1,136 per year, or about $95 per month, and ranges from $940 to $2,612.
The Toyota RAV4 is a compact SUV, and other popular models in the same segment include the Mazda CX-5, Subaru Forester, and Chevrolet Equinox.
Toyota Highlander insurance rates
Car insurance for a Toyota Highlander in Portland costs an average of $1,122 per year (about $94 per month) and ranges from $930 to $2,564.
The Toyota Highlander belongs to the midsize SUV segment, and other models from that segment that are popular in Portland, ME, include the Ford Explorer, Kia Telluride, and Ford Edge.
Honda Accord insurance rates
Car insurance for a Honda Accord in Portland costs an average of $1,188 per year (about $99 per month) and varies from $988 to $2,738 annually.
The Honda Accord is part of the midsize car segment, and other models from that segment that are popular in Portland, ME, include the Kia K5, Nissan Altima, Chevrolet Malibu, and Toyota Camry.
Chevrolet Camaro insurance rates
Chevrolet Camaro insurance in Portland averages $1,600 per year (about $133 per month) and ranges from $1,330 to $3,676.
The Chevrolet Camaro is considered a sports car, and other models in the same segment include the Toyota Supra, Ford Mustang, and Subaru BRZ.
Tips for finding cheaper Portland car insurance quotes
Portland drivers are often looking to save money on auto insurance, so scan the savings tips in the list below and see if you can save a few bucks on your next policy purchase.
- Avoid accidents and save. Having a few at-fault accidents can really raise rates, potentially by an extra $1,756 per year for a 20-year-old driver and even $300 per year for a 60-year-old driver. So be a cautious driver and save.
- If your vehicle is older, remove optional coverages. Removing comprehensive and/or collision coverage from vehicles whose value does not support the cost of the coverage can reduce the cost of insurance substantially.
- A good driving record means cheaper rates. In order to get affordable car insurance in Portland, it pays to drive conservatively. A couple of traffic citations could result in increasing car insurance cost by at least $324 per year. Major infractions like DWI and leaving the scene of an accident could raise rates by an additional $1,142 or more.
- Choose a vehicle with cheaper car insurance rates. Vehicle type has a significant impact on the price you pay for car insurance. For example, a Mazda CX-30 costs $266 less per year to insure in Portland than a Nissan 370Z. Lower performance vehicles save money.
- Research policy discounts to lower the cost. Discounted rates may be available if the insured drivers sign their policy early, insure multiple vehicles on the same policy, drive low annual mileage, are military or federal employees, or many other policy discounts which could save the average Portland driver as much as $214 per year on their insurance cost.
- Compare insurance costs before buying a car. Different vehicles, and even different trims of the same vehicle, have very different car insurance rates, and car insurance companies can charge widely varying rates. Get plenty of car insurance quotes before you buy a new vehicle in order to avoid insurance sticker shock when you get the bill.
- Shop around and save. Setting aside a few minutes before every renewal to get a few free car insurance quotes is a smart way to save money. Rates change quite often and you do not have to wait for your renewal to change companies.