Best Portland, OR Auto Insurance in 2025 (Compare the Top 10 Companies)
State Farm, Geico, and Allstate are the best Portland, OR auto insurance providers, with rates starting at $53 per month. State Farm Known for competitive pricing, Geico's outstanding customer service, and Allstate's extensive coverage options, these companies are top picks for affordable car insurance in Oregon.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jan 14, 2025
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17,760 reviewsCompany Facts
Full Coverage in Portland OR
A.M. Best Rating
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17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Portland OR
A.M. Best Rating
Complaint Level
19,116 reviews
11,413 reviewsCompany Facts
Full Coverage in Portland OR
A.M. Best Rating
Complaint Level
11,413 reviewsThe best Portland, OR auto insurance providers are State Farm, Geico, and Allstate, with monthly rates starting at $53. Discover our compare auto insurance companies for further insights.
State Farm is the top pick overall for its competitive pricing and strong customer service. Geico offers the lowest rates, while Allstate provides excellent coverage options.
Our Top 10 Company Picks: Best Portland, OR Auto Insurance
| Insurance Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 25% | A++ | Low Rates | Geico |
 | #3 | 25% | A+ | Innovative Tools | Allstate |
 | #4 | 25% | A | Claims Service | American Family |
 | #5 | 10% | A+ | Usage-Based | Progressive |
 | #6 | 20% | A | Comprehensive Options | Farmers |
 | #7 | 20% | A+ | Bundling Benefits | Nationwide |
 | #8 | 25% | A | Customizable Coverage | Liberty Mutual |
 | #9 | 13% | A++ | Discount Variety | Travelers |
 | #10 | 10% | A++ | Military Focus | USAA |
Are you looking for more budget-friendly premiums? Enter your ZIP code above to compare the best Portland, OR auto insurance options for your needs.
- State Farm, Geico, and Allstate offer the best Portland, OR auto insurance options
- Rates for the best Portland, OR auto insurance start at $53 per month
- State Farm is the top pick for competitive pricing and customer service
#1 – State Farm: Top Pick Overall
Pros
- Excellent Local Agent Network: State Farm is one of the top Portland, Oregon car insurance companies for those who consider individualized service.
- Trustworthy Bundling Discounts: State Farm is a safe bet for bundling consistent and trustworthy discounts. Check out the State Farm auto insurance review for more details.
- Roadside Assistance: State Farm’s full coverage add-ons enhance your policy and provide reassurance when driving in Portland, Oregon.
Cons
- Mid-financial strength: State Farm’s M Best rating of B is not the highest, but it still represents a good indicator of financial solidity and soundness.
- High average cost: State Farm auto insurance in Portland, Oregon, may be costlier than some competitors since the average price is higher.
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#2 – Geico: Best for Low Rates
Pros
- Affordable Rates: Geico’s consistently low premiums provide financial security, making them a top choice for the best Portland, Oregon, auto insurance market.
- High Financial Stability: Geico’s A++ rating ensures the reliability of claims, making it the best auto insurance in Portland, Oregon.
- Widespread Discount Deals: Geico is a top choice for the best auto insurance in Portland, Oregon. It offers bundling discounts of up to 25%. Learn more in our Geico auto insurance review.
Cons
- Limited Agent Interaction: Limited local presence may disadvantage those wanting a face-to-face experience with the best Portland, Oregon, auto insurance.
- Limitations of the Usage-Based Program: Geico’s Usage-Based Program may not be tailored to provide everyone with individual savings.
#3 – Allstate: Best for Innovative Tools
Pros
- Innovative Digital Tools: Features like Drivewise make Allstate a top choice for tech-savvy drivers in the best Portland, Oregon, auto insurance market.
- Generous Bundling Discounts: Save up to 25% when combining policies, offering significant value in the best Portland, Oregon, auto insurance.
- Accident Forgiveness Program: Premiums do not change following an at-fault accident, making for a stable policy for Portland, Oregon’s top car insurance holders.
Cons
- Higher Base Premiums: Allstate’s costs may not suit budget-conscious drivers seeking the best Portland, Oregon, auto insurance, which is why an Allstate auto insurance review is worth reading.
- Mixed Customer Service Reviews: Support quality can vary for those who rely on the best auto insurance customer care in Portland, Oregon.
#4 – American Family: Best for Claims Service
Pros
- The best Claims Process: Acknowledged for its speed and efficient service, it is a good company to work with for the best auto insurance in Portland, Oregon.
- Customizable Coverage Options: The American Family auto insurance review highlights the company’s policy flexibility, which meets the unique needs of drivers in the best Portland, Oregon.
- Competitive Bundling Discounts: Up to 25% savings when bundling policies ensures affordability in the best Portland, Oregon auto insurance.
Cons
- Limited Geographic Availability: It may not be ideal for all drivers in the best Portland, Oregon, auto insurance.
- Average Financial Strength: Though good, an A rating may not suffice for all the best Portland, Oregon, auto insurance buyers.
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#5 – Progressive: Best for Usage-Based
Pros
- Usage-Based Discounts: Programs like Snapshot reward safe drivers, making Progressive the best Portland, Oregon, auto insurance leader.
- Cheap Prices: Consistently competitive pricing appeals to price-sensitive drivers with the best Portland, Oregon, auto insurance.
- Wider Coverage Options: Progressive provides various policy choices for drivers in the best Portland, Oregon, auto insurance market.
Cons
- Lack of Uniform Customer Satisfaction: Mixed claims handling reviews can deter some drivers from the best Portland, Oregon, auto insurance.
- Usage-Based Discount: Snapshot discounts may not suit every driver in the best Portland, Oregon, auto insurance program. To understand how this works, read a Progressive auto insurance review.
#6 – Farmers: Best for Comprehensive Options
Pros
- Holistic Options: Farmers offers broad coverage, making it a sound choice for the best auto insurance Portland, Oregon, needs.
- Multi-line Discounting: Bundling automobile and house insurance can get up to 20% discounts, making this even more desirable for the best auto insurance in Portland, Oregon.
- Customizable Policies: Flexible options accommodate individual needs, ensuring Farmers remains one of Portland, Oregon’s best auto insurance leaders.
Cons
- Higher-Than-Average Premiums: In the best Portland, Oregon, Farmers might not offer the most competitive prices; check a Farmer’s insurance review.
- Mixed Customer Service Experiences: Some drivers are less satisfied than others with how their claims are handled in the best Portland, Oregon, auto insurance market.
#7 – Nationwide: Best for Bundling Benefits
Pros
- Distracting Bundling Discounts: As much as 20% off when bundling policies, Nationwide is one of the best Portland, Oregon auto insurance companies.
- Excellent Financial Strength: A.M. Best is a good option for policyholders in the best Portland, Oregon, auto insurance market. A Nationwide insurance review can give more information.
- Exceptional Customer Service: A reliable choice in Portland, Oregon, auto insurance for drivers who rely on great support.
Cons
- Limited Coverage Options: Some customers may find Nationwide’s policy options less adaptable than other top choices in the best Portland, Oregon, auto insurance market.
- Pricing Can Be Higher: Pricing is often higher compared to other providers, which could make Nationwide less affordable to some Portland, Oregon customers.
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#8 – Liberty Mutual: Best for Customizable Coverage
Pros
- Highly Customizable Coverage: Liberty Mutual shines in highly customizable auto insurance options tailored to the needs of drivers in Portland, Oregon.
- Bundling discounts: Bundling policies results in tremendous savings, making it a competitive alternative for the cheapest Portland, Oregon, auto insurance.
- Innovative Coverage Features: Offers options such as new car replacement and accident forgiveness, which enhances Liberty Mutual’s appeal for the best Portland, Oregon auto insurance.
Cons
- Premiums Possibly More Expensive: For some drivers in the best Portland, OR, auto insurance market, a review of Liberty Mutual insurance review might be necessary to determine whether their rates suit their budget.
- Inconsistencies Regarding Customer Service: by place, which can impact the treatment of drivers in the best area for Portland, OR auto insurance
#9 – Travelers: Best for Discount Variety
Pros
- Different Types of Discounts: Travelers offer customers various discounts, from multi-policy to safe driver discounts.
- Higher Financial Strength: The company can handle claim issues and is a top pick for the best. Read this Travelers auto insurance review for more.
- Wide Coverage Options: This will give motorists with different needs wide coverage options, attracting motorists with different needs to the best Portland.
Cons
- Limited Availability Of Some Discounts: Some discounts may not be available in all areas, which may present a drawback for some Portland, Oregon drivers.
- Rates May Be High For Some Drivers: Travelers’ pricing may not be the most economical for some drivers to find the lowest-priced Portland, Oregon, auto insurance.
#10 – USAA: Best for Military Focus
Pros
- Unique Military Benefits: USAA provides specifically specialized coverage and benefits to military personnel and their families, and it is the top choice among service members for auto insurance in Portland, Oregon.
- High Customer Satisfaction: U SAA is known for excellent service, and it is always highly rated for customer satisfaction, especially among Portland, Oregon drivers.
- Strong Financial Stability: USAA provides security and reliability drivers with a guarantee from A.M. Best, which gives it an A++ rating. A USAA auto insurance review explains why this provider is highly trusted.
Cons
- Eligibility Requirements: Eligible only to military members and their families; thus, it is inaccessible to other drivers in Portland, Oregon.
- Not Very Customizable to Non-Military Drivers: Policies are less viable because policy options can’t be fully customized for a non-military customer.
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Top Factors Affecting the Best Portland, OR Auto Insurance Rates
Driving history, type of vehicle, and living location affect auto insurance rates in Portland. These can significantly impact insurance premiums for high-risk drivers, so they should know how to compare the rates.
Portland, OR Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $64 | $126 |
| $58 | $136 |
| $61 | $129 |
| $59 | $122 |
| $63 | $130 |
| $60 | $125 |
| $61 | $131 |
| $55 | $128 |
| $62 | $127 |
| $53 | $120 |
Whether you require car or auto insurance in Portland, Oregon, these factors will guide you in getting the best coverage.
How to Select the Best Portland, OR Auto Insurance for Your Needs
In searching for the best Portland, OR, auto insurance, ensure you seek multiple coverage options to meet your requirements. Some factors are low-priced car or budget auto insurance to ensure you have the best possible rate.
Auto Insurance Discounts From the Top Providers in Portland, OR
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, New Car, Responsible Payer, Early Signing, Good Student, Anti-Theft, Multi-Policy, Multi-Vehicle |
| Early Bird, Steer into Savings, Defensive Driving, Bundling, Low Mileage, Loyalty, Teen Safe Driver, Good Student |
| Signal Program, Multi-Policy, Affinity, Good Student, Safe Driver, Teen Driver, Bundling, Business/Professional Group |
| Multi-Policy, Good Driver, Military, Federal Employee, Good Student, Emergency Deployment, New Vehicle, Defensive Driving |
| RightTrack Program, Bundling, Paperless, New Car, Multi-Vehicle, Military, Anti-Theft, Low Mileage |
| SmartRide, SmartMiles, Bundling, Accident-Free, Good Student, Defensive Driving, Paperless, Multi-Vehicle |
| Snapshot Program, Multi-Policy, Continuous Insurance, Teen Driver, Homeowner, Good Student, Online Quote, Defensive Driving |
| Safe Driver, Bundling, Good Student, Multi-Vehicle, Anti-Theft, Defensive Driving, Vehicle Safety, Accident-Free |
| IntelliDrive Program, Multi-Policy, Safe Driver, Homeowner, Continuous Insurance, Good Student, Bundling, Hybrid/Electric Vehicle |
| Military, Bundling, Safe Driver, Good Student, Defensive Driving, Stored Vehicle, Family Discount, Loyalty |
Affordable car insurance in Portland can save you money while getting reliable coverage.
Comparing the Best Portland, OR Auto Insurance Companies
When evaluating auto insurance options in Portland, compare the benefits of top providers like State Farm, Geico, and Allstate.
This will help you choose the right plan with comprehensive and collision auto insurance coverage while ensuring you get cost-effective car insurance in Portland, Oregon. You must also consider car insurance rates in Portland to find the best value for your needs.
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Discounts Available with the Best Portland, OR, Auto Insurance Providers
Know the possible savings with some of the top auto insurance companies in Portland, OR, that offer discounts, including the safe driver discount.
State Farm offers the best Portland, OR auto insurance with rates starting at just $53 per month, making it an excellent choice for drivers seeking affordable coverage and discounts.
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If you’re looking for cheap car insurance in Portland, Oregon, compare auto insurance quotes for the best bargain. Know how car insurance is priced in Portland, Oregon, to get the most for your money.
Customer Service and Claims Support for the Best Portland, OR Auto Insurance
The best Portland, OR, auto insurance should come from a company with great customer service and good management of car accidents and auto claims. That way, everything is as smooth as possible when you need support.
Further, comparing the average auto insurance rates in Portland, Oregon, will help you find the best price options. You can also obtain low-cost car insurance in Portland through quote requests, and a plan will be determined to suit your requirements and budget.
Competitive Rates for Portland, OR Auto Insurance
The best Portland, OR, auto insurance comes from State Farm, Geico, and Allstate, which offer the cheapest quotes at just $53 per month. These companies are highly valued for their affordable rates, outstanding customer service, and full coverage options, making them favorites among Portland drivers.
State Farm offers the best Portland, OR auto insurance with competitive rates starting at just $53 per month, making it a top choice for affordable coverage.
Knowing which factors affect a car insurance premium is essential when choosing Portland, Oregon, or any available auto insurance plans.
By doing so, you can lock in the cheapest car insurance in Oregon while understanding how auto insurance rates vary based on your needs in Portland, Oregon. Please use our free quote comparison tool below to discover the most affordable coverage in your area.
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Frequently Asked Questions
What is the most affordable car insurance in Oregon?
Oregon’s most affordable car insurance typically comes from providers like Geico, State Farm, and Allstate, with rates starting as low as $53 per month. Comparing auto insurance quotes for Portland, Oregon, can help you find a policy that fits your budget.
How can I find affordable car insurance in Portland?
To find affordable car insurance in Portland, explore quotes from top providers, compare coverage levels, and look for discounts. Bundling policies can also help secure inexpensive coverage. Use our free quote comparison tool to find the cheapest coverage in your area.
What factors affect car insurance rates in Portland?
Several factors influence car insurance rates in Portland, including driving history, vehicle type, and location. Oregon drivers can often save by maintaining a clean record and opting for cost-effective insurance.
Are there auto insurance options in Portland for high-risk drivers?
Yes, Progressive and State Farm providers offer auto insurance options in Portland tailored to high-risk drivers. While premiums may increase, shopping for Portland car insurance quotes can help secure better rates.
How do I compare car insurance in Portland, Oregon?
To compare car insurance in Portland, Oregon, gather quotes from multiple insurers, evaluate coverage options, and assess discounts. This ensures you get budget auto insurance in Oregon without compromising on necessary coverage. Discover everything in our cheap car insurance rates to learn more.
What is the average cost of auto insurance in Portland, Oregon?
The average auto insurance rate in Portland, Oregon, varies by driver profile and coverage needs but typically ranges between $53 and $120 monthly. Exploring auto insurance rates in Portland, OR, helps identify the best value.
Can I get low-cost car insurance in Oregon if I’m a new driver?
Yes, new drivers in Oregon can find low-cost car insurance in Oregon by looking for discounts, such as good student discounts, and opting for minimal coverage. Comparing car insurance pricing in Portland, Oregon, can also reveal affordable options.
What coverage is included in Portland, Oregon, auto insurance plans?
Most Portland, Oregon, auto insurance plans include liability, collision, comprehensive, and uninsured motorist coverage. Customizing a plan can help achieve affordable car insurance in Oregon while meeting state requirements.
How do I lower my auto insurance rates in Portland, OR?
To reduce auto insurance rates in Portland, OR, consider raising your deductible, bundling policies, and maintaining a clean driving record. These strategies can ensure affordable car insurance while providing sufficient coverage. For a complete overview, please read our ultimate road safety guide.
Is it easy to get budget auto insurance in Oregon online?
Many providers offer online tools for comparing Portland auto insurance and obtaining Portland car insurance quotes. These tools simplify finding inexpensive car insurance in Portland tailored to your needs. Enter your ZIP code to compare rates from the top providers near you.