Portland Car Insurance Cost – Cheapest Vehicles + 2022 Rates

How much does auto insurance cost in Portland, Oregon? Get ready to find out as we break down rates for over 150 models to find some cheap Portland car insurance.

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  • 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Portland includes all Zip Codes and vehicle trim levels.Data last updated on November 28, 2022
Portland Car Insurance Cost Summary
Average Car Insurance Cost in Portland, OR
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,908$326
Safe Driver Age 20$3,422$285
At-fault Accidents Age 40$2,434$203
Low Deductibles Age 40$2,242$187
Safe Driver Age 30$1,818$152
Safe Driver Age 40$1,724$144
Safe Driver Age 50$1,570$131
Safe Driver Age 60$1,542$129
High Deductibles Age 40$1,460$122
Discount Rate Age 40$1,432$119

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.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Portland car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Portland Zip Codes.Data last updated on November 28, 2022
Portland Car Insurance Rates for Popular Vehicles
Portland Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,510$126
Ford Ranger$1,536$128
Toyota Tacoma$1,602$134
Hyundai Tucson$1,606$134
Toyota RAV4$1,630$136
Ford F150$1,668$139
Toyota 4Runner$1,682$140
Nissan Rogue$1,690$141
Toyota Camry$1,698$142
Ford Escape$1,700$142
Honda Accord$1,802$150
Ford Mustang$1,818$152
Chevrolet Silverado$1,856$155
Hyundai Elantra$1,948$162
Ram Truck$1,970$164

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 $902 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 $1,698 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 $129 to $515 – 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.

Top 50 Cheapest Auto Insurance Rates in Portland
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,312$109
2Nissan Kicks$1,346$112
3Chevrolet Trailblazer$1,354$113
4Honda Passport$1,386$116
5Subaru Crosstrek$1,386$116
6Chevrolet Colorado$1,420$118
7Toyota C-HR$1,420$118
8Buick Encore$1,428$119
9Nissan Rogue Sport$1,438$120
10Buick Envision$1,468$122
11Hyundai Venue$1,468$122
12Kia Seltos$1,470$123
13Ford Maverick$1,478$123
14Acura RDX$1,480$123
15Subaru Ascent$1,482$124
16Toyota Corolla Cross$1,482$124
17Hyundai Kona$1,490$124
18Subaru Forester$1,494$125
19Mazda MX-5 Miata$1,496$125
20Volkswagen Tiguan$1,496$125
21Subaru Impreza$1,498$125
22Chevrolet Spark$1,504$125
23Honda CR-V$1,510$126
24Cadillac XT4$1,518$127
25Mazda CX-30$1,526$127
26Ford Ranger$1,536$128
27Honda HR-V$1,552$129
28Ford Edge$1,556$130
29Ford Ecosport$1,566$131
30Chevrolet Trax$1,584$132
31Subaru Outback$1,584$132
32Acura ILX$1,588$132
33GMC Terrain$1,588$132
34Mitsubishi Eclipse Cross$1,592$133
35Nissan Murano$1,602$134
36Toyota Tacoma$1,602$134
37Hyundai Tucson$1,606$134
38Chevrolet Bolt$1,608$134
39Honda Odyssey$1,608$134
40Toyota Venza$1,612$134
41Chevrolet Equinox$1,614$135
42Ford Explorer$1,620$135
43Volkswagen Taos$1,620$135
44Fiat 500X$1,626$136
45Toyota RAV4$1,630$136
46Kia Sorento$1,632$136
47Kia Soul$1,634$136
48Nissan Frontier$1,646$137
49Hyundai Palisade$1,656$138
50Volkswagen Golf$1,660$138

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
    Top 50 Cheapest Auto Insurance Rates in Portland

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Portland car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Portland Zip Codes.Data last updated on November 28, 2022
    Portland Auto Insurance Rates by Automotive Segment
    Portland Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,614$135
    Midsize Pickup$1,656$138
    Minivan$1,738$145
    Midsize SUV$1,746$146
    Compact Car$1,776$148
    Midsize Car$1,798$150
    Half-ton Pickup$1,876$156
    Compact Luxury SUV$1,940$162
    Large SUV$1,946$162
    Compact Luxury Car$1,956$163
    Large Car$1,996$166
    Heavy Duty Pickup$2,060$172
    Midsize Luxury SUV$2,084$174
    Midsize Luxury Car$2,282$190
    Sports Car$2,434$203
    Large Luxury SUV$2,606$217
    Large Luxury Car$2,730$228

    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.

    Cheapest Cars to Insure in Portland
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,498$125
    Chevrolet SparkCompact$1,504$125
    Volkswagen GolfCompact$1,660$138
    Subaru LegacyMidsize$1,672$139
    Honda InsightMidsize$1,678$140
    Volkswagen JettaCompact$1,678$140
    Nissan SentraCompact$1,684$140
    Kia K5Midsize$1,696$141
    Toyota CamryMidsize$1,698$142
    Toyota CorollaCompact$1,698$142
    Kia RioCompact$1,702$142
    Volkswagen PassatMidsize$1,704$142
    Honda CivicCompact$1,708$142
    Mazda 3Compact$1,716$143
    Mazda 6Midsize$1,720$143
    Toyota PriusCompact$1,724$144
    Hyundai AccentCompact$1,748$146
    Hyundai VelosterCompact$1,766$147
    Kia ForteCompact$1,766$147
    Chevrolet MalibuMidsize$1,792$149

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
      Cheapest Cars to Insure 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.

      Cheapest SUVs to Insure in Portland
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,312$109
      Nissan KicksCompact$1,346$112
      Chevrolet TrailblazerCompact$1,354$113
      Honda PassportMidsize$1,386$116
      Subaru CrosstrekCompact$1,386$116
      Toyota C-HRCompact$1,420$118
      Buick EncoreCompact$1,428$119
      Nissan Rogue SportCompact$1,438$120
      Buick EnvisionCompact$1,468$122
      Hyundai VenueCompact$1,468$122
      Kia SeltosCompact$1,470$123
      Subaru AscentMidsize$1,482$124
      Toyota Corolla CrossCompact$1,482$124
      Hyundai KonaCompact$1,490$124
      Subaru ForesterCompact$1,494$125
      Volkswagen TiguanCompact$1,496$125
      Honda CR-VCompact$1,510$126
      Mazda CX-30Compact$1,526$127
      Honda HR-VCompact$1,552$129
      Ford EdgeMidsize$1,556$130

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
        Cheapest SUVs to Insure 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.

        Cheapest Pickups to Insure in Portland
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,420$118
        Ford MaverickMidsize$1,478$123
        Ford RangerMidsize$1,536$128
        Toyota TacomaMidsize$1,602$134
        Nissan FrontierMidsize$1,646$137
        GMC CanyonMidsize$1,662$139
        Hyundai Santa CruzMidsize$1,662$139
        Ford F150Full-size$1,668$139
        Honda RidgelineMidsize$1,680$140
        Jeep GladiatorMidsize$1,698$142
        GMC SierraFull-size$1,758$147
        Nissan TitanFull-size$1,824$152
        Chevrolet SilveradoFull-size$1,856$155
        Toyota TundraFull-size$1,858$155
        Ford F350 Super DutyHeavy Duty$1,874$156
        Chevrolet Silverado HD 3500Heavy Duty$1,890$158
        Nissan Titan XDHeavy Duty$1,938$162
        Ram TruckFull-size$1,970$164
        GMC Sierra 2500 HDHeavy Duty$2,014$168
        GMC Sierra 3500Heavy Duty$2,030$169

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
          Cheapest Pickups to Insure 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.

          Cheapest Sports Cars to Insure in Portland
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,496$125
          Ford MustangSports Car$1,818$152
          BMW Z4Sports Car$1,856$155
          Subaru WRXSports Car$1,962$164
          Toyota GR86Sports Car$2,012$168
          Toyota GR SupraSports Car$2,058$172
          Audi TTSports Car$2,104$175
          Subaru BRZSports Car$2,168$181
          Chevrolet CorvetteSports Car$2,176$181
          BMW M3Sports Car$2,236$186
          Porsche 718Sports Car$2,336$195
          Chevrolet CamaroSports Car$2,392$199
          Lexus RC FSports Car$2,450$204
          Dodge ChallengerSports Car$2,454$205
          Mercedes-Benz AMG GT53Sports Car$2,492$208
          Jaguar F-TypeSports Car$2,610$218
          Porsche TaycanSports Car$2,676$223
          Porsche 911Sports Car$2,742$229
          BMW M4Sports Car$2,750$229
          Lexus LC 500Sports Car$2,846$237

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
            Cheapest Sports Cars to Insure in Portland

            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.

            Cheapest Luxury Cars to Insure in Portland
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,588$132
            Mercedes-Benz A220Compact$1,694$141
            BMW 330iCompact$1,824$152
            Acura TLXCompact$1,836$153
            Volvo S60Compact$1,850$154
            BMW 330eCompact$1,856$155
            BMW 228iCompact$1,868$156
            BMW 230iCompact$1,880$157
            Alfa Romeo GiuliaCompact$1,912$159
            Lexus RC 300Midsize$1,914$160
            Cadillac CT4Compact$1,918$160
            Lexus RC 350Compact$1,922$160
            Genesis G70Compact$1,950$163
            Mercedes-Benz AMG CLA35Midsize$1,958$163
            BMW i4Midsize$1,968$164
            Cadillac CT5Midsize$1,978$165
            Audi A3Midsize$1,996$166
            Audi A4Compact$2,002$167
            Mercedes-Benz AMG CLA45Midsize$2,002$167
            Audi S3Compact$2,004$167

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
              Cheapest Luxury Cars to Insure 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.

              Cheapest Luxury SUVs to Insure in Portland
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,480$123
              Cadillac XT4Compact$1,518$127
              Volvo XC40Compact$1,660$138
              Cadillac XT5Midsize$1,696$141
              Lexus NX 250Compact$1,714$143
              BMW X1Compact$1,720$143
              Lexus NX 350hCompact$1,728$144
              Lexus UX 250hCompact$1,730$144
              Lexus NX 350Compact$1,758$147
              Lexus UX 200Compact$1,766$147
              Jaguar E-PaceMidsize$1,768$147
              Lexus RX 350Midsize$1,776$148
              Acura MDXMidsize$1,786$149
              Lincoln NautilusMidsize$1,802$150
              Lexus NX 450hCompact$1,806$151
              Mercedes-Benz GLB 250Compact$1,814$151
              Lexus RX 450hMidsize$1,818$152
              Infiniti QX50Midsize$1,824$152
              Land Rover EvoqueCompact$1,824$152
              Lincoln CorsairCompact$1,828$152

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Portland, OR.Data last updated on November 28, 2022
                Cheapest Luxury SUVs to Insure 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Portland includes all Zip Codes and vehicle trim levels.Data last updated on November 28, 2022
                Toyota Corolla Insurance Cost in Portland
                Toyota Corolla Insurance Cost in Portland, OR
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,798$317
                Safe Driver Age 20$3,332$278
                At-fault Accidents Age 40$2,402$200
                Low Deductibles Age 40$2,106$176
                Safe Driver Age 30$1,762$147
                Safe Driver Age 40$1,698$142
                Safe Driver Age 50$1,546$129
                Safe Driver Age 60$1,516$126
                High Deductibles Age 40$1,482$124
                Discount Rate Age 40$1,408$117

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Portland includes all Zip Codes and vehicle trim levels.Data last updated on November 28, 2022
                Nissan Rogue Insurance Cost in Portland
                Nissan Rogue Insurance Cost in Portland, OR
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,832$319
                Safe Driver Age 20$3,360$280
                At-fault Accidents Age 40$2,390$199
                Low Deductibles Age 40$2,180$182
                Safe Driver Age 30$1,774$148
                Safe Driver Age 40$1,690$141
                Safe Driver Age 50$1,540$128
                Safe Driver Age 60$1,510$126
                High Deductibles Age 40$1,440$120
                Discount Rate Age 40$1,402$117

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Portland includes all Zip Codes and vehicle trim levels.Data last updated on November 28, 2022
                Kia Sorento Insurance Cost in Portland
                Kia Sorento Insurance Cost in Portland, OR
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,710$309
                Safe Driver Age 20$3,248$271
                At-fault Accidents Age 40$2,302$192
                Low Deductibles Age 40$2,138$178
                Safe Driver Age 30$1,724$144
                Safe Driver Age 40$1,632$136
                Safe Driver Age 50$1,490$124
                Safe Driver Age 60$1,462$122
                High Deductibles Age 40$1,374$115
                Discount Rate Age 40$1,358$113

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Portland includes all Zip Codes and vehicle trim levels.Data last updated on November 28, 2022
                Toyota Camry Insurance Cost in Portland
                Toyota Camry Insurance Cost in Portland, OR
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,842$320
                Safe Driver Age 20$3,364$280
                At-fault Accidents Age 40$2,386$199
                Low Deductibles Age 40$2,218$185
                Safe Driver Age 30$1,792$149
                Safe Driver Age 40$1,698$142
                Safe Driver Age 50$1,544$129
                Safe Driver Age 60$1,518$127
                High Deductibles Age 40$1,428$119
                Discount Rate Age 40$1,412$118

                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.