For a 40-year-old driver with a clean record, Portland car insurance averages about $198 a month ($2,381 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% above the Oregon average of $173 a month. State Farm has the lowest full-coverage average among the four major insurers we compared (GEICO, Progressive, Safeco and State Farm), at about $162 a month.
Portland costs more than the Oregon average for our benchmark driver, and Multnomah County is the most expensive of the 30 Oregon counties we price. Our driver pays about $25 a month more here than the state average and about $54 a month more than in Eugene.
Our data covers 31 ZIP codes with a Portland mailing address, and prices vary widely across them, from about $173 a month in 97224 to $249 in 97236 and 97266.
Cost data comes from the auto rates insurers file with state regulators, priced across all 31 Portland ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Portland averages $2,381 a year, or about $198 a month, for our benchmark driver. Liability-only coverage at Oregon’s 25/50/20 minimum averages $1,071 a year ($89 a month), and 50/100/50 liability with comprehensive and collision averages $2,417 ($201 a month).
State Farm has the lowest full-coverage average among the four insurers in our Portland rate data. The published 2026 statewide Oregon rate studies we reviewed don’t agree on one cheapest company for full coverage: two rank Oregon Mutual first, two rank State Farm, and one each ranks Progressive and Travelers, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/20 limits, State Farm has the lowest average among these four insurers, at about $71 a month, followed by GEICO at $83.
Full-coverage averages by insurer in Portland
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/20 (Yearly): | Minimum Liability 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $855 | $71 | $1,945 | $162 |
| Progressive | $1,218 | $102 | $2,302 | $192 |
| GEICO | $999 | $83 | $2,338 | $195 |
| Safeco | $1,210 | $101 | $2,939 | $245 |
| Oregon Mutual* | $842 | $70 | $1,655 | $138 |
| USAA (military families)* | $892 | $74 | $1,966 | $164 |
| Travelers* | $1,129 | $94 | $1,977 | $165 |
| Country Financial* | $1,044 | $87 | $2,505 | $209 |
| Farmers* | $1,847 | $154 | $3,189 | $266 |
| Portland average | $1,071 | $89 | $2,381 | $198 |
This table uses Portland ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the 31 Portland ZIP codes we price, full coverage for our driver ranges from about $173 a month in 97224 to $249 in 97236 and 97266, a gap of $915 a year. ZIP codes in and southwest of downtown, such as 97201, 97219 and 97224, are the least expensive in our data, and outer east Portland ZIP codes such as 97233, 97236 and 97266 are the most expensive.
Lowest-priced Portland ZIP codes
Highest-priced Portland ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Portland’s average.
| ZIP Code: | Minimum Liability 25/50/20 (Yearly): | Minimum Liability 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 97201 | $902 | $75 | $2,086 | $174 | -12% |
| 97202 | $984 | $82 | $2,186 | $182 | -8% |
| 97203 | $1,096 | $91 | $2,420 | $202 | +2% |
| 97205 | $922 | $77 | $2,170 | $181 | -9% |
| 97206 | $1,168 | $97 | $2,557 | $213 | +8% |
| 97209 | $942 | $79 | $2,184 | $182 | -8% |
| 97210 | $971 | $81 | $2,202 | $184 | -7% |
| 97211 | $1,146 | $96 | $2,537 | $211 | +7% |
| 97212 | $1,042 | $87 | $2,380 | $198 | About average |
| 97213 | $1,100 | $92 | $2,431 | $203 | +3% |
| 97214 | $999 | $83 | $2,232 | $186 | -6% |
| 97215 | $1,078 | $90 | $2,463 | $205 | +4% |
| 97216 | $1,316 | $110 | $2,903 | $242 | +22% |
| 97217 | $1,028 | $86 | $2,363 | $197 | -1% |
| 97218 | $1,155 | $96 | $2,538 | $212 | +7% |
| 97219 | $926 | $77 | $2,089 | $174 | -12% |
| 97220 | $1,210 | $101 | $2,680 | $223 | +13% |
| 97221 | $963 | $80 | $2,152 | $179 | -10% |
| 97222 | $1,014 | $85 | $2,198 | $183 | -8% |
| 97223 | $980 | $82 | $2,090 | $174 | -12% |
| 97224 | $967 | $81 | $2,075 | $173 | -13% |
| 97225 | $939 | $78 | $2,122 | $177 | -11% |
| 97227 | $1,066 | $89 | $2,434 | $203 | +3% |
| 97229 | $952 | $79 | $2,107 | $176 | -11% |
| 97230 | $1,288 | $107 | $2,821 | $235 | +19% |
| 97232 | $969 | $81 | $2,212 | $184 | -7% |
| 97233 | $1,355 | $113 | $2,930 | $244 | +23% |
| 97236 | $1,398 | $117 | $2,990 | $249 | +26% |
| 97239 | $951 | $79 | $2,142 | $179 | -10% |
| 97266 | $1,368 | $114 | $2,987 | $249 | +26% |
| 97267 | $995 | $83 | $2,134 | $178 | -10% |
Your ZIP code matters
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our Portland data: $2,381 a year compared with $2,417, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Yes, for our benchmark driver. Comparing the same insurers in the same Portland ZIP codes, full coverage averaged $2,339 a year nine months earlier and $2,381 in rates as of Aug. 31, 2026, a 1.8% increase. Safeco cut its Portland average 7.3% and State Farm 2.8%, while Progressive raised its average 24.7%; GEICO’s average was unchanged. Liability-only coverage at 25/50/20 limits rose 8.0%, led by Progressive, which raised its liability-only average 46.4%.
Multnomah County averages about $205 a month for full coverage in our data, the highest of any Oregon county. Clackamas County averages $188 and Washington County $177.
Suburbs west and south of the city cost less: Beaverton averages about $179 a month, Hillsboro $172 and Lake Oswego $168. Gresham, east of Portland in Multnomah County, costs more, at $217. Where you live is one of the factors Oregon insurers use, so neighboring cities can be priced differently.
More Oregon cities and towns are in the Oregon rates by city table, and you can compare states on our car insurance rates by state page.
Salem, about 45 miles south, averages $178 a month, and Eugene, about 105 miles south, $144.
Drivers in Portland follow Oregon’s rules. Every policy must include at least:
Our Oregon requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Oregon law and the Oregon Division of Financial Regulation. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Portland averages about $198 a month ($2,381 a year) and liability-only coverage about $89 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 14% above the Oregon average of $173 a month.
State Farm has the lowest full-coverage average in our Portland rate data, at about $162 a month, followed by Progressive and GEICO, effectively tied at $192 and $195. For liability-only coverage, State Farm has the lowest average among the four major insurers we compared, at about $71 a month. The published 2026 statewide Oregon rate studies we reviewed don’t agree on one cheapest company: Oregon Mutual and State Farm each top two of them. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Portland full coverage averages about $198 a month, 14% above the Oregon average. Multnomah County is the most expensive of the 30 counties we price, and prices are highest in outer east Portland, at about $249 a month in 97236 and 97266.
In our data, 97224 has the lowest full-coverage average in Portland, at about $173 a month, and 97236 and 97266 the highest, at about $249. The ZIP code table on this page lists all 31.
In our Portland data, full coverage (100/300/100 with $500 deductibles) averages about $198 a month and liability-only coverage at 25/50/20 limits about $89, a difference of about $109 a month ($1,310 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Oregon law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Portland full coverage rose 1.8% over the past nine months, from about $2,339 to $2,381 a year. Safeco cut its Portland average 7.3% and State Farm 2.8%, while Progressive raised its average 24.7%. Liability-only coverage at 25/50/20 limits rose 8.0%.
For our benchmark driver, full coverage in Portland averages about $198 a month. Nearby, Salem averages about $178 and Eugene about $144. Salem and Eugene are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
