For drivers with no prior coverage, one of the largest things that are used to help calculate car insurance rates is your zip code in Portland. Areas with more people or more claims are more likely to pay higher prices, whereas areas that tend to be more rural benefit from lower rates.
The following table lists the most expensive cities in Oregon for uninsured drivers to buy an auto insurance policy in. Portland is ranked at #2 with a yearly premium of $1,499 for the average insurance policy, which is around $125 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,499 |
| 3 | Oregon City | $1,444 |
| 4 | Lake Oswego | $1,420 |
| 5 | Hillsboro | $1,380 |
| 6 | Keizer | $1,365 |
| 7 | Newberg | $1,364 |
| 8 | Aloha | $1,363 |
| 9 | West Linn | $1,362 |
| 10 | Woodburn | $1,359 |
| 11 | Beaverton | $1,356 |
| 12 | Forest Grove | $1,347 |
| 13 | Tualatin | $1,338 |
| 14 | Tigard | $1,336 |
| 15 | McMinnville | $1,325 |
| 16 | Salem | $1,320 |
| 17 | Redmond | $1,247 |
| 18 | Bend | $1,188 |
| 19 | Roseburg | $1,185 |
| 20 | Albany | $1,177 |
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Information shown are approximated as specific location information can decrease or increase coverage rates greatly.
Finding dependable, affordable insurance is not the easiest thing to accomplish, and deciding which company offers the cheapest car insurance rates for uninsured drivers takes even more rate comparisons. Every insurance company has a unique approach to determine premium rates, so we need to take a look at the car insurance companies with the most affordable rates in Portland, OR.
It’s a good idea to know that Oregon car insurance rates are determined by lots of factors that control the cost of having a policy. Simply turning a year older, having a teenage driver, or getting a reckless driving citation can cause premium changes that can now make some companies cheaper in comparison to the competition.
Lowest Insurance Price Quotes in Oregon
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $687 |
| 2 | Oregon Mutual | $828 |
| 3 | Country | $847 |
| 4 | Travelers | $952 |
| 5 | USAA | $970 |
| 6 | State Farm | $1,029 |
| 7 | Amica | $1,137 |
| 8 | Allied | $1,179 |
| 9 | GEICO | $1,179 |
| 10 | California Casualty | $1,194 |
| 11 | Mutual Enumclaw | $1,212 |
| 12 | Progressive | $1,222 |
| 13 | MetLife | $1,340 |
| 14 | 21st Century | $1,364 |
| 15 | American Family | $1,416 |
| 16 | Encompass | $1,606 |
| 17 | Allstate | $1,654 |
| 18 | Farmers | $1,935 |
| 19 | Safeco | $2,172 |
| 20 | Liberty Mutual | $2,508 |
| Find Cheaper Rates Go | ||
Grange may offer some of the cheapest car insurance rates in Portland at around $687 annually. Oregon Mutual, Country, Travelers, and USAA are also some of the most economical Portland, OR insurance companies.
As shown above, if you have coverage with USAA and switched to Oregon Mutual, you could see yearly savings of roughly $142. Policyholders with State Farm might save as much as $201 a year, and Amica customers might realize rate reductions of up to $309 a year.
If you want to see how much you could save, click here to get quotes or quote rates from the companies below.
Understand that those policy rates are averages across all drivers and vehicles in Oregon and and are not calculated with an exact zip code location for uninsured drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 22 companies shown above. That affirms the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
Rate increases following a ticket or accident
The easiest method to enjoy the best car insurance prices in Oregon for drivers with no prior coverage is to be a cautious driver and avoid traffic citations and accidents. The diagram below shows how traffic citations and at-fault fender-benders can drive up insurance prices for different age categories. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,682. Factor in two speeding tickets and the average cost jumps to $2,224, an increase of $543 each year. Now throw in one accident along with the two speeding tickets and the annual cost of car insurance for uninsured drivers goes up to an average of $2,768. That’s an increase of $1,086, or $91 per month, just for not driving carefully!
Finding the best insurance provider can be challenging considering how many choices drivers have in Oregon. The rank data shown next could help you decide which auto insurance companies to look at comparing prices from.
These ratings are only made up of large insurance companies, so smaller regional companies will not be included in these rankings. To view rates from these and other companies in Oregon, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You are probably paying too much for car insurance
Portland, OR car insurance rates are determined by lots of factors that may substantially change the cost of coverage. Improving your credit rating, becoming a homeowner, or getting into an accident can trigger rate changes resulting in some companies being affordable when they were higher priced. Additionally, car insurance companies amend premium rates as needed to reflect underwriting profits or losses. Significantly higher claims can cause rate increases, while lower claim levels may cause cheaper Portland car insurance rates.
To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Portland, OR for a 45-year-old male driver with no prior accidents, a clean driving record, and a good credit history. Based on his current situation, Grange might quote the lowest car insurance rates in Portland at $935 annually. This is $543 less than the average price paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA round out the rest of the cheapest Portland, OR auto insurance companies.
In this example, we will give the driver from the first set of rates some claims, a lower credit score, and a blemish on his driving record. Due to the fact that every insurance company has their own process for determining rates in each state, comparing quotes may now show a significantly different list of companies as shown below.
Country now has the cheapest rate in Portland with Oregon Mutual, Amica, GEICO, and Mutual Enumclaw now being in the top five. This example demonstrates why Oregon drivers need to compare rates when trying to find cheap auto insurance quotes for uninsured drivers. Prices can be determined by many different factors and can change without notice, so the most economical company the last time you shopped your coverage around may now be quite expensive.
How to find economical insurance for uninsured drivers
The list below summarizes some of the recommended thrifty solutions that can help drivers buy low-cost coverage.
- If your vehicles are older, consider dropping full coverage
- Keep your driving record clean
- Higher deductibles save money
- Buy vehicles with five-star safety ratings
- Maintaining good credit helps earn cheaper rates
- Remain accident-free and save
- Shop around for lower rates once a year
The last tip in the list is notably important, as was pointed out in the prior article. Insurance rates in Portland go up and down frequently, so don’t be unwilling to change to a new company if a more affordable rate is found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you a lot of money every month. In just a couple of minutes you could compare rates and find cheaper car insurance for uninsured drivers.
The agents listed below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, as some drivers wish to have some advice when comparing insurance rates for drivers with no prior coverage. It’s not always easy to find the best rates on your own, so getting advice from a licensed agent can give comfort knowing your coverage gives you sufficient coverage for your assets.
To find a Portland insurance agency nearest to you, click the button at the bottom of the list or click here to compare rates now.
Gustavo Soares – State Farm Insurance Agent
650 NE Holladay St Ste 1600 – Portland, OR 97232 – (503) 287-0027
Chet Hill Insurance
10402 NE Sandy Blvd – Portland, OR 97220 – (503) 256-2020
Cundari Insurance
8309 SW 22nd Ave – Portland, OR 97219 – (503) 292-0075
Gunnar Olson – State Farm Insurance Agent
107 SE Washington St Ste 143 – Portland, OR 97214 – (503) 230-0216