- Portland car insurance rates average $2,620 per year for a full coverage policy, or around $218 per month.
- Portland auto insurance costs an average of $260 per year more than the Oregon state average cost ($2,360) and $399 per year more than the rate average for the entire United States ($2,221).
- Monthly car insurance rates for a few popular models in Portland include the Chevrolet Silverado at $241, Ford F150 at $245, and Tesla Model 3 at $256.
- For cheap car insurance in Portland, vehicles like the Chevrolet Trailblazer, Buick Envision, Honda Passport, and Subaru Crosstrek have some of the cheapest rates.
- A few models with the most affordable auto insurance in Portland in their segment include the Acura Integra at $2,330 per year, Toyota GR Corolla at $2,278 per year, Chevrolet Colorado at $2,308 per year, and Chevrolet Tahoe at $2,460 per year.
How much does car insurance cost in Portland?
Portland car insurance costs an average of $2,620 per year, which is 16.5% more than the national average rate of $2,221. Average car insurance cost per month in Portland is $218 for a policy with full coverage.
In the state of Oregon, the average car insurance cost is $2,360 per year, so the average cost in Portland is $260 more per year. The cost to insure a car in Portland compared to other Oregon cities is around $134 per year more expensive than in Beaverton, $174 per year more than in Hillsboro, and $446 per year more than in Eugene.
The age of the rated driver influences the price of auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Portland for drivers from 16 to 60.
Portland car insurance cost for drivers age 16 to 60
- 16 year old – $9,338 per year or $778 per month
- 17 year old – $9,046 per year or $754 per month
- 18 year old – $8,105 per year or $675 per month
- 19 year old – $7,384 per year or $615 per month
- 20 year old – $5,272 per year or $439 per month
- 30 year old – $2,798 per year or $233 per month
- 40 year old – $2,620 per year or $218 per month
- 50 year old – $2,322 per year or $194 per month
- 60 year old – $2,174 per year or $181 per month
The next chart shows different average Portland auto insurance rates for an assortment of driver ages, policy deductibles, and risk profiles.
Average rates in the previous chart range from $2,176 per year for a middle-aged driver who qualifies for a cheap discount rate to $6,028 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. The average rate we use to compare different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $2,620 per year in Portland.
As a monthly price, car insurance cost in Portland ranges from $181 to $502 for the same deductible limits and driver ages shown in the prior chart.
Popular vehicles and the cost of car insurance
The car insurance rates referenced up to this point are the average cost across all 2024 model year vehicles, which is helpful for making generalized comparisons such as the average cost difference for different locations or driver risk profiles. But for more comprehensive rate comparisons, the data will be better if we analyze the exact make and model of vehicle being insured.
In the next few sections, we explore all kinds of rates for many different specific vehicles, but for now, we will explore just a few popular models to see how car insurance rates compare in Portland.
This next chart displays insurance rates for the more popular models on Portland streets.
The vehicles that are popular in Portland tend to be compact or midsize cars like the Hyundai Elantra, Honda Civic, and Honda Accord and compact and midsize SUVs like the Toyota RAV4 and Toyota Highlander.
A few additional popular vehicles in Portland from other vehicle segments include luxury cars like the Tesla Model S and BMW 530i, luxury SUVs like the Cadillac XT5 and Lexus RX 350, and models from the pickup truck segment like the Ford Ranger and Ford F-150.
We will cover rates for many more vehicles in a little bit, but before that, let’s go over the comparisons and concepts that were covered up to this point.
- Low deductible car insurance costs more – A 20-year-old driver pays an average of $1,406 more per year for $250 deductibles compared to $1,000 deductibles.
- Car insurance gets cheaper as you get older – Insurance rates for a 40-year-old driver in Portland are $2,652 per year cheaper than for a 20-year-old driver.
- Insuring teens gets very expensive – The average cost ranges from $6,242 to $9,338 per year to insure a teenage driver in Portland.
- Average car insurance cost per month ranges from $181 to $778 – That is the average car insurance price range for drivers aged 16 to 60 in Portland.
- Teen females pay lower rates than teen males – Teenage female drivers pay $1,142 to $618 less each year than male drivers of the same age.
- Portland car insurance costs more than the U.S. average – $2,620 (Portland average) compared to $2,221 (U.S. average)
Which autos have the cheapest car insurance in Portland?
When comparing all types of vehicles, the models with the most affordable car insurance rates in Portland, OR, tend to be compact SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision. Average car insurance quotes for those vehicles cost $2,128 or less per year, or $177 per month, to get full coverage.
Other vehicles that rank in the top 20 in the cost comparison table below are the Buick Encore, Honda CR-V, Ford Bronco Sport, and Volkswagen Taos. The average rates are somewhat higher for those models than the cheapest crossover SUVs at the top of the list, but they still have average rates of $2,282 or less per year in Portland.
The next table ranks the 50 car, truck, and SUV models with the cheapest auto insurance in Portland, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,938 | $162 |
| 2 | Chevrolet Trailblazer | $1,970 | $164 |
| 3 | Kia Soul | $2,046 | $171 |
| 4 | Nissan Kicks | $2,066 | $172 |
| 5 | Honda Passport | $2,088 | $174 |
| 6 | Buick Envision | $2,100 | $175 |
| 7 | Toyota Corolla Cross | $2,112 | $176 |
| 8 | Hyundai Venue | $2,128 | $177 |
| 9 | Mazda CX-5 | $2,138 | $178 |
| 10 | Ford Bronco Sport | $2,146 | $179 |
| 11 | Volkswagen Tiguan | $2,168 | $181 |
| 12 | Acura RDX | $2,190 | $183 |
| 13 | Nissan Murano | $2,202 | $184 |
| 14 | Buick Encore | $2,226 | $186 |
| 15 | Subaru Outback | $2,232 | $186 |
| 16 | Honda CR-V | $2,234 | $186 |
| 17 | Buick Envista | $2,242 | $187 |
| 18 | Volkswagen Taos | $2,246 | $187 |
| 19 | Kia Niro | $2,256 | $188 |
| 20 | Toyota GR Corolla | $2,278 | $190 |
| 21 | Subaru Ascent | $2,280 | $190 |
| 22 | Honda HR-V | $2,282 | $190 |
| 23 | Nissan Leaf | $2,298 | $192 |
| 24 | Chevrolet Colorado | $2,308 | $192 |
| 25 | Honda Civic | $2,320 | $193 |
| 26 | Lexus NX 250 | $2,320 | $193 |
| 27 | Volkswagen Atlas | $2,324 | $194 |
| 28 | Acura Integra | $2,330 | $194 |
| 29 | Subaru Forester | $2,332 | $194 |
| 30 | Volkswagen Atlas Cross Sport | $2,334 | $195 |
| 31 | Kia Seltos | $2,342 | $195 |
| 32 | GMC Terrain | $2,346 | $196 |
| 33 | Nissan Rogue | $2,356 | $196 |
| 34 | Hyundai Kona | $2,358 | $197 |
| 35 | Mazda CX-30 | $2,364 | $197 |
| 36 | Cadillac XT4 | $2,366 | $197 |
| 37 | Volkswagen ID4 | $2,376 | $198 |
| 38 | Ford Explorer | $2,378 | $198 |
| 39 | Toyota Highlander | $2,384 | $199 |
| 40 | Ford Escape | $2,392 | $199 |
| 41 | Toyota Venza | $2,392 | $199 |
| 42 | Honda Odyssey | $2,394 | $200 |
| 43 | Nissan Sentra | $2,402 | $200 |
| 44 | Subaru Impreza | $2,410 | $201 |
| 45 | Chevrolet Equinox | $2,414 | $201 |
| 46 | Toyota RAV4 | $2,420 | $202 |
| 47 | Mazda MX-5 Miata | $2,424 | $202 |
| 48 | Mazda MX-30 | $2,432 | $203 |
| 49 | Hyundai Tucson | $2,436 | $203 |
| 50 | Chevrolet Traverse | $2,448 | $204 |
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, OR Zip Codes. Updated June 27, 2025
The table above that contains 50 vehicle models with cheap Portland car insurance is great if you’re just looking for low rates. A more efficient way to rank rates for many more vehicles is to break them out by vehicle segment.
The section below goes into more detail about the average cost to insure each different vehicle segment. The average rates shown in the chart should provide a better idea of the types of vehicles that have the overall most affordable average auto insurance rates. Then the six subsequent sections break out and rank the 20 models with the cheapest rates for the primary segments.
Portland auto insurance rates by automotive segment
When comparing new or used vehicles, it’s in your best interest to know which styles of vehicles have less expensive car insurance rates in Portland. As an example, some people wonder if compact SUVs cost less to insure than compact cars or which size of pickup has more affordable insurance.
The chart below shows average car insurance cost by vehicle segment in Portland. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the most affordable rates, while luxury models and sports cars tend to have the most expensive insurance rates.
Rates by different vehicle segments are useful for blanket comparisons, but rates range quite significantly within each vehicle category displayed above.
For example, in the small luxury car segment, Portland auto insurance rates range from the Acura Integra at $2,330 per year for a full coverage policy to the BMW M340i at $3,202 per year, a difference of $872 within that segment.
As another example, in the large truck segment, rates range from the Nissan Titan at $2,450 per year up to the Toyota Tundra costing $3,122 per year, a difference of $672 within that segment.
In these next sections, we will remove much of this variability by looking at car insurance cost in Portland from a model perspective rather than by segment.
Cheapest cars to insure in Portland
The top four non-luxury sedans with the cheapest car insurance in Portland are the Toyota GR Corolla at $2,278 per year, Nissan Leaf at $2,298 per year, Honda Civic at $2,320 per year, and Nissan Sentra at $2,402 per year.
Not the cheapest, but still very affordable, are models like the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Kia K5, with average cost of $2,552 per year or less.
Car insurance rates for this segment in Portland for a good driver will start around $190 per month, depending on your location.
If prices are ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Portland is the Toyota GR Corolla at $2,278 per year. For midsize models, the Kia K5 is cheapest to insure at $2,526 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $2,494 per year.
The rate comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,278 | $190 |
| Nissan Leaf | Compact | $2,298 | $192 |
| Honda Civic | Compact | $2,320 | $193 |
| Nissan Sentra | Compact | $2,402 | $200 |
| Subaru Impreza | Compact | $2,410 | $201 |
| Toyota Prius | Compact | $2,448 | $204 |
| Kia K5 | Midsize | $2,526 | $211 |
| Honda Accord | Midsize | $2,532 | $211 |
| Chevrolet Malibu | Midsize | $2,542 | $212 |
| Toyota Corolla | Compact | $2,552 | $213 |
| Kia Forte | Compact | $2,560 | $213 |
| Volkswagen Arteon | Midsize | $2,576 | $215 |
| Nissan Versa | Compact | $2,584 | $215 |
| Subaru Legacy | Midsize | $2,588 | $216 |
| Hyundai Ioniq 6 | Midsize | $2,608 | $217 |
| Mitsubishi Mirage G4 | Compact | $2,648 | $221 |
| Volkswagen Jetta | Compact | $2,650 | $221 |
| Toyota Crown | Midsize | $2,652 | $221 |
| Hyundai Sonata | Midsize | $2,656 | $221 |
| Mazda 3 | Compact | $2,710 | $226 |
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, OR Zip Codes. Updated June 27, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Oregon.
Cheapest SUVs to insure in Portland
The top three SUVs with the most affordable insurance in Portland are the Subaru Crosstrek at $1,938 per year, the Chevrolet Trailblazer at $1,970 per year, and the Kia Soul at $2,046 per year.
Other models that have cheaper rates are the Hyundai Venue, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with an average cost of $2,146 per year or less.
Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Volkswagen Taos, Nissan Murano, Honda CR-V, Volkswagen Tiguan, and Buick Envista average between $2,146 and $2,280 per year for full-coverage insurance in Portland.
On a monthly basis, full-coverage insurance in this segment starts at an average of $162 per month, depending on the company. The next table ranks the SUVs with the lowest-cost average car insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,938 | $162 |
| Chevrolet Trailblazer | Compact | $1,970 | $164 |
| Kia Soul | Compact | $2,046 | $171 |
| Nissan Kicks | Compact | $2,066 | $172 |
| Honda Passport | Midsize | $2,088 | $174 |
| Buick Envision | Compact | $2,100 | $175 |
| Toyota Corolla Cross | Compact | $2,112 | $176 |
| Hyundai Venue | Compact | $2,128 | $177 |
| Mazda CX-5 | Compact | $2,138 | $178 |
| Ford Bronco Sport | Compact | $2,146 | $179 |
| Volkswagen Tiguan | Compact | $2,168 | $181 |
| Nissan Murano | Midsize | $2,202 | $184 |
| Buick Encore | Compact | $2,226 | $186 |
| Subaru Outback | Midsize | $2,232 | $186 |
| Honda CR-V | Compact | $2,234 | $186 |
| Buick Envista | Midsize | $2,242 | $187 |
| Volkswagen Taos | Compact | $2,246 | $187 |
| Kia Niro | Compact | $2,256 | $188 |
| Subaru Ascent | Midsize | $2,280 | $190 |
| Honda HR-V | Compact | $2,282 | $190 |
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, OR Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Portland car insurance quotes from the best auto insurance companies in Oregon.
Cheapest pickup insurance rates in Portland
The three top-ranked pickups with the cheapest auto insurance in Portland are the Chevrolet Colorado at $2,308 per year, the Nissan Titan at $2,450 per year, and the Nissan Frontier at $2,478 per year.
Not the cheapest to insure, but still ranked well, are pickups like the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Toyota Tacoma, with average annual insurance rates of $2,696 per year or less.
Car insurance in this segment will start around $192 per month, depending on where you live. The table below ranks the pickups with the cheapest car insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,308 | $192 |
| Nissan Titan | Full-size | $2,450 | $204 |
| Nissan Frontier | Midsize | $2,478 | $207 |
| Ford Ranger | Midsize | $2,506 | $209 |
| Ford Maverick | Midsize | $2,540 | $212 |
| Honda Ridgeline | Midsize | $2,602 | $217 |
| Hyundai Santa Cruz | Midsize | $2,646 | $221 |
| Toyota Tacoma | Midsize | $2,656 | $221 |
| GMC Sierra 2500 HD | Heavy Duty | $2,666 | $222 |
| GMC Canyon | Midsize | $2,696 | $225 |
| Jeep Gladiator | Midsize | $2,762 | $230 |
| GMC Sierra 3500 | Heavy Duty | $2,778 | $232 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,802 | $234 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,878 | $240 |
| Chevrolet Silverado | Full-size | $2,896 | $241 |
| GMC Sierra | Full-size | $2,896 | $241 |
| Nissan Titan XD | Heavy Duty | $2,898 | $242 |
| Ford F150 | Full-size | $2,934 | $245 |
| GMC Hummer EV Pickup | Full-size | $3,006 | $251 |
| Ram Truck | Full-size | $3,030 | $253 |
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, OR Zip Codes. Updated June 26, 2025
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 truck in the table above? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Portland car insurance quotes from top-rated companies in Oregon.
Cheapest sports car insurance rates in Portland
Ranking at the top of the list for the most affordable Portland car insurance rates in the sports car and performance segment are the Mazda MX-5 Miata, Toyota GR86, BMW Z4, Subaru WRX, and Ford Mustang. Car insurance prices for these 2024 models average $2,940 or less per year, or around $245 per month.
Other models that are affordable to insure include the Subaru BRZ, Nissan Z, Lexus RC F, and BMW M2, with average annual insurance rates of $3,136 per year or less.
Some additional 2024 models that make the list include the Jaguar F-Type, Mercedes-Benz AMG GT53, BMW M4, BMW M3, and Porsche 718, which average between $3,136 and $4,440 per year to insure in Portland.
From a monthly standpoint, full-coverage insurance in this segment starts at around $202 per month, depending on the company and where you live.
The next table ranks the twenty sports cars with the lowest-cost auto insurance rates in Portland, starting with the Mazda MX-5 Miata at $202 per month and ending with the Porsche Taycan at $370 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,424 | $202 |
| Toyota GR86 | Sports Car | $2,760 | $230 |
| Ford Mustang | Sports Car | $2,880 | $240 |
| BMW Z4 | Sports Car | $2,896 | $241 |
| Subaru WRX | Sports Car | $2,940 | $245 |
| Toyota GR Supra | Sports Car | $2,944 | $245 |
| BMW M2 | Sports Car | $3,030 | $253 |
| Nissan Z | Sports Car | $3,038 | $253 |
| Lexus RC F | Sports Car | $3,096 | $258 |
| Subaru BRZ | Sports Car | $3,136 | $261 |
| BMW M3 | Sports Car | $3,312 | $276 |
| Porsche 718 | Sports Car | $3,376 | $281 |
| Chevrolet Camaro | Sports Car | $3,408 | $284 |
| Chevrolet Corvette | Sports Car | $3,632 | $303 |
| Porsche 911 | Sports Car | $3,754 | $313 |
| BMW M4 | Sports Car | $3,912 | $326 |
| Lexus LC 500 | Sports Car | $3,932 | $328 |
| Jaguar F-Type | Sports Car | $4,134 | $345 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,338 | $362 |
| Porsche Taycan | Sports Car | $4,440 | $370 |
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, OR Zip Codes. Updated June 26, 2025
Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Portland.
Cheapest luxury cars to insure in Portland
In our comparison, the top five cheapest luxury cars to insure in Portland are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Insurance rates for these vehicles range from $2,330 to $2,710 per year.
Also ranking well in our comparison are cars like the Genesis G70, Lexus ES 350, Cadillac CT4, and Lexus RC 300, with average insurance cost of $2,754 per year or less.
Additional luxury cars on the list include the Lexus RC 350, Lexus ES 250, Lexus IS 350, and Cadillac CT5, which cost between $2,754 and $2,940 per year to insure.
When ranked by vehicle size, the cheapest compact luxury car to insure in Portland is the Acura Integra at $2,330 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,696 per year. And for large luxury cars, the Audi A5 has the best rates at $3,114 per year.
The comparison table below ranks the luxury cars with the lowest-cost average car insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,330 | $194 |
| BMW 330i | Compact | $2,668 | $222 |
| Mercedes-Benz CLA250 | Midsize | $2,696 | $225 |
| Lexus IS 300 | Midsize | $2,702 | $225 |
| Acura TLX | Compact | $2,710 | $226 |
| Cadillac CT4 | Compact | $2,736 | $228 |
| Lexus ES 350 | Midsize | $2,738 | $228 |
| Genesis G70 | Compact | $2,744 | $229 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,748 | $229 |
| Lexus RC 300 | Midsize | $2,754 | $230 |
| Lexus IS 350 | Compact | $2,766 | $231 |
| Jaguar XF | Midsize | $2,772 | $231 |
| Cadillac CT5 | Midsize | $2,824 | $235 |
| Lexus ES 250 | Midsize | $2,834 | $236 |
| Lexus RC 350 | Compact | $2,842 | $237 |
| BMW 330e | Compact | $2,846 | $237 |
| BMW 228i | Compact | $2,852 | $238 |
| BMW 230i | Compact | $2,872 | $239 |
| Lexus ES 300h | Midsize | $2,880 | $240 |
| Audi S3 | Compact | $2,940 | $245 |
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, OR Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Don’t see your luxury car in the list? 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 companies in Oregon.
Cheapest luxury SUVs to insure in Portland
The lowest-cost luxury SUV models to insure in Portland are the Acura RDX at $2,190 per year, the Lexus NX 250 at $2,320 per year, and the Cadillac XT4 at $2,366 per year.
Not the cheapest in the list, but still ranking well, are SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with an average cost of $2,528 per year or less.
In the lower half of the top 20 luxury SUVs to insure, models like the Infiniti QX60, Infiniti QX50, Land Rover Evoque, Lexus RX 350, and Lexus NX 350 cost between $2,528 and $2,630 per year for auto insurance in Portland.
From a monthly standpoint, car insurance rates on this segment in Portland for an average middle-age driver can cost as low as $183 per month, depending on the company and where you live.
The cheapest small luxury SUV to insure in Portland is the Acura RDX at $2,190 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,452 per year. And for full-size luxury SUVs, the Infiniti QX80 has the best rates at $2,940 per year.
The table below ranks the luxury SUVs with the lowest-cost average insurance rates in Portland.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,190 | $183 |
| Lexus NX 250 | Compact | $2,320 | $193 |
| Cadillac XT4 | Compact | $2,366 | $197 |
| Jaguar E-Pace | Midsize | $2,452 | $204 |
| Cadillac XT5 | Midsize | $2,472 | $206 |
| Lexus NX 350h | Compact | $2,472 | $206 |
| Lincoln Corsair | Compact | $2,504 | $209 |
| Mercedes-Benz GLB 250 | Compact | $2,508 | $209 |
| Lexus UX 250h | Compact | $2,514 | $210 |
| Lexus NX 450h | Compact | $2,528 | $211 |
| Infiniti QX50 | Midsize | $2,548 | $212 |
| Mercedes-Benz GLA250 | Compact | $2,554 | $213 |
| Mercedes-Benz GLA35 AMG | Compact | $2,562 | $214 |
| Cadillac XT6 | Midsize | $2,564 | $214 |
| Infiniti QX60 | Midsize | $2,578 | $215 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,580 | $215 |
| Land Rover Evoque | Compact | $2,616 | $218 |
| Acura MDX | Midsize | $2,620 | $218 |
| Lexus NX 350 | Compact | $2,628 | $219 |
| Lexus RX 350 | Midsize | $2,630 | $219 |
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, OR Zip Codes. Updated June 26, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Portland car insurance quotes from the best companies in Oregon.
Examples of rate variation
To help illustrate the extent to which the cost of identical auto insurance can vary from one driver to the next (and also emphasize the importance of requesting multiple price quotes), the sections below visualize a wide range of rates for four popular models in Portland: the Toyota Corolla, Nissan Rogue, Kia Sorento, and Toyota Camry.
Each illustration shows average rates for a range of driver profiles to illustrate the possible price variation when changes are made to the driver rated on the policy.
Toyota Corolla insurance rates
Average Toyota Corolla insurance cost in Portland ranges from $2,326 up to $2,888 per year. The least-expensive model to insure is the $21,900 Corolla LE trim level, while the highest-cost model is the $26,655 Corolla XSE Hatchback trim.
When Portland car insurance quotes for the Toyota Corolla are compared to the national average cost for the same vehicle, rates are anywhere from $248 to $306 more expensive per year in Portland, depending on the specific trim level being insured.
As a cost per month, full-coverage insurance on a Toyota Corolla can range from $194 to $241 per month, depending on policy limits and your Portland Zip Code.
The bar chart below might help to visualize how the cost of insurance on a Toyota Corolla can vary for a variety of driver ages, risk profiles, and policy deductibles.
The Toyota Corolla is a compact car, and other models from that segment that are popular in Portland include the Honda Civic, Volkswagen Jetta, and Hyundai Elantra.
Nissan Rogue insurance rates
Average Nissan Rogue insurance cost in Portland ranges from $2,232 up to $2,468 per year. The least-expensive insurance is on the $29,360 Rogue S 2WD trim, while the most expensive is the $39,230 Rogue Platinum AWD trim level.
As a cost per month, car insurance rates for a Nissan Rogue for the average driver can range from $186 to $206 per month, depending on your insurance company and exact Zip Code in Portland.
For our example drivers in the chart below, rates range from $1,958 to $5,382 per year, which is a price difference of $3,424 just by factoring different driver risk profiles.
The Nissan Rogue is classified as a compact SUV, and additional similar models include the Mazda CX-5, Toyota RAV4, and Subaru Forester.
Kia Sorento insurance rates
Average Kia Sorento insurance cost in Portland costs from $2,278 up to $2,676 per year. The lowest-cost car insurance quotes are on the $32,000 Sorento LX trim level, while the most expensive is the $52,000 Sorento SX Prestige Plug-in Hybrid trim level.
When Portland car insurance rates for a Kia Sorento are compared with national average insurance rates on the same model, rates are $242 to $284 more per year in Portland, depending on the trim level being insured.
As a cost per month, auto insurance rates on a 2024 Kia Sorento for a middle-age safe driver can range from $190 to $223 per month, but your exact cost can vary based on where you live in Portland.
The bar chart below may help explain how the cost of car insurance for a Kia Sorento can vary based on different driver ages, policy deductibles, and potential risk scenarios. In this example, prices range from $2,068 to $5,710 per year, which is a cost difference of $3,642 when insuring the same vehicle.
The Kia Sorento is classified as a midsize SUV, and other top-selling models from the same segment include the Honda Pilot, Ford Explorer, Ford Edge, and Jeep Grand Cherokee.
Toyota Camry insurance rates
Average Toyota Camry insurance cost in Portland ranges from $2,592 up to $2,960 per year. The most affordable insurance will be on the $26,420 Camry LE trim, while the most expensive is the $33,120 Camry XSE AWD trim level.
When Portland auto insurance rates on the Toyota Camry are compared with the overall national average cost on the same model, rates are anywhere from $276 to $314 more per year in Portland, depending on the specific trim level being insured.
The chart displayed below demonstrates how the price of car insurance for a Toyota Camry can be very different for a variety of driver ages, deductibles, and risk profiles.
The rates in the chart range from $2,340 to $6,474 per year, which is a price difference of $4,134 just based on different risk profiles.
The Toyota Camry is a midsize car, and other models popular in Portland include the Honda Accord, Chevrolet Malibu, and Kia K5.
How to save on car insurance in Portland
Smart drivers should always be searching for ways to save money on insurance, so study the money-saving tips below and maybe you’ll find a way to save a few bucks the next time your policy renews.
- Policy discounts save money. Discounted rates may be available if the policyholders are homeowners, drive a vehicle with safety or anti-theft features, are claim-free, choose electronic billing, or many other discounts which could save the average Portland driver as much as $444 per year.
- Shop around and save. Taking a couple of minutes every year or so to get some free car insurance quotes is our best recommendation for saving money. Rates change quite often and you are not locked into any one company.
- Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Check your credit score. Having an excellent credit score over 800 may save $411 per year over a credit rating of 670-739. Conversely, a less-than-perfect credit history could cost up to $477 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Remove unneeded coverage on older vehicles. Deleting comprehensive and collision coverage from older vehicles whose value has decreased can cheapen the cost to insure substantially.