Portland Car Insurance Cost – Cheapest Vehicles + 2023 Rates

• Portland car insurance rates average $1,950 per year for a full coverage policy, or around $163 per month.
• Portland auto insurance costs an average of $266 per year more than the Oregon state average cost ($1,684) and $222 per year more than the rate average for the entire United States ($1,728).
• Monthly car insurance rates for a few popular models in Portland include the Chevrolet Silverado at $178, Ford F150 at $165, and Tesla Model 3 at $166.
• For cheap car insurance in Portland, vehicles like the Subaru Crosstrek, Mazda CX-5, Nissan Rogue Sport, and Chevrolet Trailblazer 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 $1,750 per year, Subaru Impreza at $1,616 per year, Ford Maverick at $1,620 per year, and Chevrolet Tahoe at $1,828 per year.

How much does car insurance cost in Portland?

Portland car insurance costs an average of $1,950 per year, which is 12.1% more than the national average rate of $1,728. Average car insurance cost per month in Portland is $163 for a policy with full coverage.

In the state of Oregon, the average car insurance cost is $1,684 per year, so the average cost in Portland is $266 more per year. The cost to insure a car in Portland compared to other Oregon cities is around $138 per year more expensive than in Beaverton, $178 per year more than in Hillsboro, and $450 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 – $6,984 per year or $582 per month
• 17 year old – $6,532 per year or $544 per month
• 18 year old – $6,102 per year or $509 per month
• 19 year old – $5,522 per year or $460 per month
• 20 year old – $3,880 per year or $323 per month
• 30 year old – $2,054 per year or $171 per month
• 40 year old – $1,950 per year or $163 per month
• 50 year old – $1,774 per year or $148 per month
• 60 year old – $1,742 per year or $145 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 $1,618 per year for a middle-aged driver who qualifies for a cheap discount rate to $4,430 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 $1,950 per year in Portland.

As a monthly price, car insurance cost in Portland ranges from $135 to $369 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 2023 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 $1,018 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 $1,930 per year cheaper than for a 20-year-old driver.
• Insuring teens gets very expensive – The average cost ranges from $4,912 to $6,984 per year to insure a teenage driver in Portland.
• Average car insurance cost per month ranges from $145 to $582 – 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 $610 to $834 less each year than male drivers of the same age.
• Portland car insurance costs more than the U.S. average – $1,950 (Portland average) compared to $1,728 (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 Chevrolet Trailblazer, Nissan Kicks, and Mazda CX-5. Average car insurance quotes for those vehicles cost $1,558 or less per year, or $130 per month, to get full coverage.

Other vehicles that rank in the top 20 in the cost comparison table below are the Honda HR-V, Chevrolet Colorado, Subaru Ascent, 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 $1,652 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 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 $1,750 per year for a full coverage policy to the BMW M340i at $2,382 per year, a difference of $632 within that segment.

As another example, in the large truck segment, rates range from the Nissan Titan at $1,930 per year up to the GMC Hummer EV Pickup costing $2,460 per year, a difference of $530 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 $1,616 per year, Volkswagen Jetta at $1,780 per year, Subaru Legacy at $1,794 per year, and Nissan Sentra at $1,808 per year.

Not the cheapest, but still very affordable, are models like the Kia K5, Volkswagen Golf, Mazda 3, and Toyota Prius, with average cost of $1,882 per year or less.

Car insurance rates for this segment in Portland for a good driver will start around $135 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 $1,616 per year. For midsize models, the Subaru Legacy is cheapest to insure at $1,794 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $1,900 per year.

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

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 Chevrolet Trailblazer at $1,474 per year, the Subaru Crosstrek at $1,486 per year, and the Nissan Kicks at $1,494 per year.

Other models that have cheaper rates are the Buick Envision, Mazda CX-5, Buick Encore, and Subaru Ascent, with an average cost of $1,584 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Mazda CX-30, Honda HR-V, Subaru Forester, Hyundai Venue, and Honda CR-V average between $1,584 and $1,674 per year for full-coverage insurance in Portland.

On a monthly basis, full-coverage insurance in this segment starts at an average of $123 per month, depending on the company. The next table ranks the SUVs with the lowest-cost average car insurance rates in Portland.

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 Ford Maverick at $1,620 per year, the Chevrolet Colorado at $1,622 per year, and the Nissan Frontier at $1,684 per year.

Not the cheapest to insure, but still ranked well, are pickups like the Toyota Tacoma, Ford F150, Hyundai Santa Cruz, and Nissan Titan, with average annual insurance rates of $1,982 per year or less.

Car insurance in this segment will start around $135 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, Audi TT, BMW Z4, Subaru WRX, and Ford Mustang. Car insurance prices for these 2023 models average $2,152 or less per year, or around $179 per month.

Other models that are affordable to insure include the Subaru BRZ, Toyota GR86, BMW M2, and Toyota GR Supra, with average annual insurance rates of $2,350 per year or less.

Some additional 2023 models that make the list include the Porsche Taycan, BMW M4, Mercedes-Benz AMG GT53, Chevrolet Corvette, and BMW M3, which average between $2,350 and $2,932 per year to insure in Portland.

From a monthly standpoint, full-coverage insurance in this segment starts at around $150 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 $150 per month and ending with the Lexus LC 500 at $244 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 Integra, BMW 330i, Acura TLX, Cadillac CT4, and Genesis G70. Insurance rates for these vehicles range from $1,750 to $2,076 per year.

Also ranking well in our comparison are cars like the BMW 330e, Lexus ES 350, Cadillac CT5, and BMW 228i, with average insurance cost of $2,120 per year or less.

Additional luxury cars on the list include the Mercedes-Benz C300, BMW 230i, Lexus RC 300, and Audi A3, which cost between $2,120 and $2,178 per year to insure.

When ranked by vehicle size, the cheapest compact luxury car to insure in Portland is the Acura Integra at $1,750 per year. For midsize luxury cars, the Cadillac CT5 is the cheapest model to insure at $2,098 per year. And for large luxury cars, the Audi A5 has the best rates at $2,186 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 $1,626 per year, the Lexus RX 350 at $1,746 per year, and the Cadillac XT4 at $1,758 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Lexus UX 250h, Mercedes-Benz GLA250, Mercedes-Benz GLB 250, and Cadillac XT5, with an average cost of $1,898 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Lincoln Corsair, Lexus NX 250, Lincoln Nautilus, Mercedes-Benz GLC300, and Alfa Romeo Tonale cost between $1,898 and $1,986 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 $136 per month, depending on the company and where you live.

The cheapest small luxury SUV to insure in Portland is the Acura RDX at $1,626 per year. For midsize 2023 models, the Lexus RX 350 has the cheapest rates at $1,746 per year. And for full-size luxury SUVs, the Volvo XC90 has the best rates at $2,010 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 $1,740 up to $1,892 per year. The least-expensive model to insure is the $21,550 Corolla LE trim level, while the highest-cost model is the $26,700 Corolla XSE 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 $124 to $134 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 $145 to $158 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 $1,688 up to $1,872 per year. The least-expensive insurance is on the $27,360 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 $141 to $156 per month, depending on your insurance company and exact Zip Code in Portland.

For our example drivers in the chart below, rates range from $1,488 to $4,070 per year, which is a price difference of $2,582 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 $1,634 up to $1,922 per year. The lowest-cost car insurance quotes are on the $29,990 Sorento LX trim level, while the most expensive is the $49,890 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 $116 to $134 less per year in Portland, depending on the trim level being insured.

As a cost per month, auto insurance rates on a 2023 Kia Sorento for a middle-age safe driver can range from $136 to $160 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 $1,488 to $4,064 per year, which is a cost difference of $2,576 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 $1,710 up to $1,976 per year. The most affordable insurance will be on the $25,945 Camry LE trim, while the most expensive is the $33,520 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 $122 to $140 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 $1,538 to $4,200 per year, which is a price difference of $2,662 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 $332 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 $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.
• Check your credit score. Having an excellent credit score over 800 may save $306 per year over a credit rating of 670-739. Conversely, a less-than-perfect credit history could cost up to $355 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.