Who Has Cheap Auto Insurance Rates for Uninsured Drivers in Portland?

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.

How much does auto insurance cost in Portland?
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

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Oregon car insurance ranked by cost per year
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
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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.

Best Car Insurance Companies for Uninsured Drivers in Oregon
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
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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.

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 1600Portland, OR 97232(503) 287-0027

Chet Hill Insurance
10402 NE Sandy BlvdPortland, OR 97220(503) 256-2020

Cundari Insurance
8309 SW 22nd AvePortland, OR 97219(503) 292-0075

Gunnar Olson – State Farm Insurance Agent
107 SE Washington St Ste 143Portland, OR 97214(503) 230-0216

More Portland, OR insurance agents