Best Portland, OR Auto Insurance in 2024 (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...
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UPDATED: Dec 20, 2024
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19,116 reviewsThe best Portland, OR auto insurance providers are State Farm, Geico, and Allstate, with monthly rates starting at $53.
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 |
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 and local know-how important.
- 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, making it the best automobile insurance.
Cons
- Mid-financial strength: State Farm’s M Best rating of B is not the highest but still represents a good financial solidity and soundness indicator.
- High average cost: State Farm auto insurance in Portland, Oregon, might be pricier than some of its competitors, with the average price 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 reliability for claims and policyholder support in the best Portland, Oregon, auto insurance. A Geico auto insurance review.
- Widespread Discount Deals: Geico is a top choice for the best Portland, Oregon, auto insurance, offering bundling discounts of as much as 25%.
Cons
- Limited Agent Interaction: Limited local presence may disadvantage those wanting a face-to-face experience with the best Portland, Oregon, auto insurance.
- Usage-Based Program Limitations: While Geico’s Usage-Based Program may not be tailored to provide individual savings for everyone, it offers a unique way to lower your premiums based on your driving habits.
#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 relying on the best Portland, Oregon, auto insurance customer care.
#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 Portland, Oregon, auto insurance.
- 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 the best Portland, Oregon, 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 experience less satisfaction than others with how their claims are handled within 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 stands out in highly customizable auto insurance options tailored to the needs of drivers in Portland, Oregon.
- Bundling Discounts: Bundling policies results in high savings, making it a competitive option for the best 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. They rank highly among the best Portland, Oregon, auto insurance.
- 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 to choose from, which would attract motorists with different needs to the best Portland, Oregon, auto insurance.
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: Known for excellent service, USAA 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 Restrictions: It is only available to military members and their families, limiting its accessibility for other Portland, Oregon drivers.
- Limited Policy Options For Non-Military Drivers: Policy options are not as customizable for non-military customers, making them less suitable for the general best Portland, Oregon auto insurance market.
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Top Factors Affecting the Best Portland, OR Auto Insurance Rates
Several factors influence Portland auto insurance rates, including driving history, vehicle type, and living location. For high-risk drivers, these elements can significantly impact premiums, making it essential to compare 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’re looking for car insurance in Portland, Oregon, or auto insurance in Portland, Oregon, understanding these factors can help you secure the best coverage.
How to Choose the Best Portland, OR Auto Insurance for Your Needs
When searching for the best Portland, OR, auto insurance, exploring various coverage options that suit your needs is crucial. Consider factors like low-cost car insurance or budget auto insurance to ensure you get the best rates.
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 |
Finding affordable car insurance in Portland can help you save money while securing reliable coverage.
Comparing the Best Portland, OR Auto Insurance Companies
When evaluating auto insurance options in Portland, comparing the benefits of top providers like State Farm, Geico, and Allstate is essential.
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. It’s also important to 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
Explore the savings opportunities available with the best auto insurance providers, including the safe driver discount, which can help lower your rates.
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 the most affordable car insurance in Oregon, compare auto insurance quotes for Portland, Oregon, to find the best deal. Understanding car insurance pricing in Portland, Oregon, is key to getting the most value for your coverage.
Customer Service and Claims Support for the Best Portland, OR Auto Insurance
When selecting the best Portland, OR, auto insurance, looking for a provider with strong customer service and efficient handling of car accidents and auto claims is crucial. This ensures a smooth experience when you need support.
Additionally, comparing average auto insurance rates in Portland, Oregon, is important to find the most affordable options. You can also explore inexpensive car insurance in Portland by requesting quotes to find a plan that fits your needs and budget.
Competitive Rates for Portland, OR Auto Insurance
State Farm, Geico, and Allstate offer the best Portland, OR, auto insurance, with rates starting at $53 per month. These providers are recognized for their competitive pricing, excellent customer service, and comprehensive coverage options, making them top picks for 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.
When choosing between Portland, Oregon, and auto insurance plans, it’s essential to consider the factors that affect your car insurance premium.
By doing so, you can secure the most affordable 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 best Portland, Oregon, auto insurance company?
How much does the best Portland, Oregon, and auto insurance cost?
Rates start as low as $53 per month. Enter your ZIP code below to compare rates from the best Portland, OR auto insurance providers near you.
Which Portland, Oregon, auto insurance provider offers the best customer service?
Geico is known for outstanding customer service.
What are the benefits of choosing State Farm for Portland, Oregon, and auto insurance?
State Farm offers competitive pricing and strong customer service.
How can I find the best Portland, Oregon auto insurance deals?
To find the best Portland, Oregon auto insurance deals, compare quotes from multiple providers like State Farm, Geico, and Allstate. If you’re also looking for commercial auto insurance, getting tailored quotes for your business needs is important to ensure you’re fully covered.
Does Allstate offer the best coverage for Portland, Oregon, auto insurance?
Yes, Allstate provides extensive coverage options.
What factors affect the best Portland, Oregon auto insurance rates?
Driving history, vehicle type, and location can impact rates.
Which Portland, Oregon, auto insurance provider is best for low rates?
Geico offers the lowest rates.
How can I save money on the best Portland, Oregon auto insurance?
To save money on the best Portland, Oregon auto insurance, check for discounts like the safe driver discount or bundling options, as these can significantly lower your premiums.
What makes Progressive a top choice for Portland, Oregon, auto insurance?
Progressive offers usage-based insurance programs for low-mileage drivers. Finding lower insurance rates is simple—just input your ZIP code into our free quote comparison tool below.