Portland Car Insurance Cost – Cheapest Vehicles + 2022 Rates

• Portland car insurance rates average $1,724 per year for a full coverage policy, or around $144 per month.
• Portland auto insurance costs an average of $448 per year more than the Oregon state average cost ($1,276) and $157 per year more than the rate average for the entire United States ($1,567).
• Monthly car insurance rates for a few popular models in Portland include the Chevrolet Silverado at $155, Ford F150 at $139, and Tesla Model 3 at $151.
• For cheap car insurance in Portland, vehicles like the Nissan Kicks, Toyota C-HR, Subaru Crosstrek, and Mazda CX-5 have some of the cheapest rates.
• A few models with the most affordable auto insurance in Portland in their segment include the Mercedes-Benz A220 at $1,694 per year, Subaru Impreza at $1,498 per year, Chevrolet Colorado at $1,420 per year, and Chevrolet Tahoe at $1,732 per year.

How much does car insurance cost in Portland?

Portland car insurance costs an average of $1,724 per year, which is 10% more than the national average rate of $1,567. Average car insurance cost per month in Portland is $144 for a policy with full coverage.

In the state of Oregon, the average car insurance cost is $1,276 per year, so the average cost in Portland is $448 more per year. The cost to insure a car in Portland compared to other Oregon cities is around $132 per year more expensive than in Beaverton, $170 per year more than in Hillsboro, and $432 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 – $6,178 per year or $515 per month
• 17 year old – $5,770 per year or $481 per month
• 18 year old – $5,390 per year or $449 per month
• 19 year old – $4,872 per year or $406 per month
• 20 year old – $3,422 per year or $285 per month
• 30 year old – $1,818 per year or $152 per month
• 40 year old – $1,724 per year or $144 per month
• 50 year old – $1,570 per year or $131 per month
• 60 year old – $1,542 per year or $129 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 $1,432 per year for a middle-aged driver who qualifies for a cheap discount rate to $3,908 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 $1,724 per year in Portland.

As a monthly price, car insurance cost in Portland ranges from $119 to $326 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 2022 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 $900 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 $1,686 per year cheaper than for a 20-year-old driver.
• Insuring teens gets very expensive – The average cost ranges from $4,336 to $6,178 per year to insure a teenage driver in Portland.
• Average car insurance cost per month ranges from $128 to $512 – 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 $536 to $734 less each year than male drivers of the same age.
• Portland car insurance costs more than the U.S. average – $1,724 (Portland average) compared to $1,567 (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 Mazda CX-5, Chevrolet Trailblazer, and Toyota C-HR. Average car insurance quotes for those vehicles cost $1,438 or less per year, or $120 per month, to get full coverage.

Other vehicles that rank in the top 20 in the cost comparison table below are the Acura RDX, Toyota Corolla Cross, Hyundai Venue, and Subaru Forester. 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 $1,496 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.

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 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 Mercedes-Benz A220 at $1,694 per year for a full coverage policy to the BMW M340i at $2,154 per year, a difference of $460 within that segment.

As another example, in the large truck segment, rates range from the Ford F150 at $1,668 per year up to the GMC Hummer EV Pickup costing $2,196 per year, a difference of $528 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 Subaru Impreza at $1,498 per year, Chevrolet Spark at $1,504 per year, Volkswagen Golf at $1,660 per year, and Subaru Legacy at $1,672 per year.

Not the cheapest, but still very affordable, are models like the Toyota Camry, Honda Insight, Toyota Corolla, and Nissan Sentra, with average cost of $1,698 per year or less.

Car insurance rates for this segment in Portland for a good driver will start around $125 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 Subaru Impreza at $1,498 per year. For midsize models, the Subaru Legacy is cheapest to insure at $1,672 per year. And for full-size sedans, the Toyota Avalon is the cheapest model to insure at $1,814 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Portland.

Some of the more popular non-luxury cars that did not rank in the top 20 include the Chrysler 300 at an average of $1,848 per year ($154 per month), the Hyundai Sonata at $1,966 ($164 per month), the Toyota Avalon costing $1,814 ($151 per month), and the Hyundai Elantra costing an average of $1,948 ($162 per month).

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 Mazda CX-5 at $1,312 per year, the Nissan Kicks at $1,346 per year, and the Chevrolet Trailblazer at $1,354 per year.

Other models that have cheaper rates are the Nissan Rogue Sport, Toyota C-HR, Buick Encore, and Buick Envision, with an average cost of $1,468 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Honda CR-V, Subaru Ascent, Hyundai Kona, Kia Seltos, and Volkswagen Tiguan average between $1,468 and $1,556 per year for full-coverage insurance in Portland.

On a monthly basis, full-coverage insurance in this segment starts at an average of $109 per month, depending on the company. The next table ranks the SUVs with the lowest-cost average car insurance rates in Portland.

The preferred SUVs in Portland aren’t guaranteed to have the lowest car insurance rates. For example, some popular models with rates higher than the top 20 models listed above include the Chevrolet Traverse costing $1,778 per year ($148 per month), the Subaru Forester at $1,494 ($125 per month), and the Honda Pilot at $1,750 ($146 per month).

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 $1,420 per year, the Ford Maverick at $1,478 per year, and the Ford Ranger at $1,536 per year.

Not the cheapest to insure, but still ranked well, are pickups like the Hyundai Santa Cruz, Jeep Gladiator, GMC Canyon, and Ford F150, with average annual insurance rates of $1,698 per year or less.

Car insurance in this segment will start around $118 per month, depending on where you live. The table below ranks the pickups with the cheapest car insurance rates in Portland.

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, Ford Mustang, Subaru WRX, Toyota GR86, and BMW Z4. Car insurance prices for these 2022 models average $2,012 or less per year, or around $168 per month.

Other models that are affordable to insure include the BMW M3, Subaru BRZ, Chevrolet Corvette, and Audi TT, with average annual insurance rates of $2,236 per year or less.

Some additional 2022 models that make the list include the Porsche 911, BMW M4, Jaguar F-Type, Porsche 718, and Chevrolet Camaro, which average between $2,236 and $2,846 per year to insure in Portland.

From a monthly standpoint, full-coverage insurance in this segment starts at around $125 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 $125 per month and ending with the Lexus LC 500 at $237 per month.

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 ILX, Mercedes-Benz A220, BMW 330i, Acura TLX, and Volvo S60. Insurance rates for these vehicles range from $1,588 to $1,850 per year.

Also ranking well in our comparison are cars like the BMW 230i, BMW 228i, BMW 330e, and Alfa Romeo Giulia, with average insurance cost of $1,912 per year or less.

Additional luxury cars on the list include the BMW i4, Mercedes-Benz AMG CLA35, Cadillac CT4, and Genesis G70, which cost between $1,912 and $2,004 per year to insure.

When ranked by vehicle size, the cheapest compact luxury car to insure in Portland is the Mercedes-Benz A220 at $1,694 per year. For midsize luxury cars, the Acura ILX is the cheapest model to insure at $1,588 per year. And for large luxury cars, the Audi A5 has the best rates at $2,026 per year.

The comparison table below ranks the luxury cars with the lowest-cost average car insurance rates in Portland.

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 $1,480 per year, the Cadillac XT4 at $1,518 per year, and the Volvo XC40 at $1,660 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the BMW X1, Lexus UX 250h, Lexus UX 200, and Lexus NX 350h, with an average cost of $1,766 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Lexus NX 450h, Jaguar E-Pace, Lexus RX 450h, Lincoln Corsair, and Infiniti QX50 cost between $1,766 and $1,828 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 $123 per month, depending on the company and where you live.

The cheapest small luxury SUV to insure in Portland is the Acura RDX at $1,480 per year. For midsize 2022 models, the Cadillac XT5 has the cheapest rates at $1,696 per year. And for full-size luxury SUVs, the Volvo XC90 has the best rates at $1,868 per year.

The table below ranks the luxury SUVs with the lowest-cost average insurance rates in Portland.

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 $1,618 up to $1,782 per year. The least-expensive model to insure is the $20,175 Corolla L trim level, while the highest-cost model is the $28,460 Corolla XSE Apex Edition 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 $190 to $208 cheaper 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 $135 to $149 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 $1,558 up to $1,822 per year. The least-expensive insurance is on the $26,050 Rogue S 2WD trim, while the most expensive is the $37,230 Rogue Platinum AWD trim level.

As a cost per month, car insurance rates for a Nissan Rogue for the average driver can range from $130 to $152 per month, depending on your insurance company and exact Zip Code in Portland.

For our example drivers in the chart below, rates range from $1,402 to $3,832 per year, which is a price difference of $2,430 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 $1,506 up to $1,828 per year. The lowest-cost car insurance quotes are on the $29,590 Sorento LX trim level, while the most expensive is the $48,090 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 $174 to $214 less per year in Portland, depending on the trim level being insured.

As a cost per month, auto insurance rates on a 2022 Kia Sorento for a middle-age safe driver can range from $126 to $152 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 $1,358 to $3,710 per year, which is a cost difference of $2,352 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 $1,584 up to $1,866 per year. The most affordable insurance will be on the $25,395 Camry LE trim, while the most expensive is the $32,920 Camry XSE Hybrid 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 $182 to $220 less 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 $1,412 to $3,842 per year, which is a price difference of $2,430 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 $292 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 $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.
• Check your credit score. Having an excellent credit score over 800 may save $271 per year over a credit rating of 670-739. Conversely, a less-than-perfect credit history could cost up to $314 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.