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Best Cheap Auto Insurance in Portland, OR 97213

Looking for cheap auto insurance in Portland? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As the largest city in Oregon, Portland is known for its hip and eco-friendly culture, rainy weather and progressive city planning.

The Chinook tribes first inhabited the Portland area before settlers arrived in the 1800s. Meriwether Lewis and William Clark arrived in the region in 1805. The area marked the end of the Oregon Trail.

Portland was established by William Overton in 1843 and later sold to Francis W. Pettygrove.

Portland was incorporated on February 8, 1851 and named after Pettygrove’s hometown, Portland, Maine. The city grew thanks to its ideal location as a major port for the Pacific Northwest.

During the next 100 years, Portland garnered a reputation as an “Unheavenly City” due to frequent violence. From 1900 to 1930, the city’s population tripled.

In the 1940s and 1950s, Portland’s economy grew as ships were built for WWII and for U.S. defense.

Top Portland attractions include: Mount Hood, Portland Art Museum, International Rose Test Garden, Powell’s City of Books and St. Johns neighborhood.

Portland is home to two professional sports teams, the Trail Blazers (NBA) and Timbers (MLS). Portland also hosts the Portland Marathon every year and the Hood to Coast Relay, the world’s largest long-distance relay race. Portland is also a destination for numerous cycling events.

Insurance Discounts in Portland

In Oregon, having safety features installed in your vehicle, such as safety windows or motorized seatbelts, can earn you auto insurance discounts.

Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Portland Driving Conditions

Portland is classified as a temperate climate, with a mixture of oceanic and Mediterranean features. The annual high temperature is 63.3 degrees and the annual low temperature is 45.7 degrees. The summers are mild and dry, while the winter months receive ample rainfall and colder temperatures. Snowfall is uncommon, but the occasional storms will pass through. Compared to other populous cities in the Pacific Northwest, Portland has a warmer average temperatures, more sunshine and fewer inches of rain and snow.

Crime Statistics

According to the 2015 Crime in the United States report, Oregon had 118,719 accounts of property crime and 10,547 accounts of vehicle theft.

Oregon Driver’s License

As a legal resident of Oregon, you’ll need to obtain an Oregon driver’s license. Those with a valid out-of-state license will be required to pay an application fee and may need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Oregon residency and proof of your Social Security number.

Seat Belt Laws

All drivers and passengers must wear a seatbelt when the vehicle is in motion.

In Oregon, child passengers must be restrained in child safety seats until they weigh 40 pounds or reach the upper weight limit for the car seat in use.

Cell Phone & Texting Laws

In Oregon, it is against the law to use a cell phone and/or text while driving.

Odd Law

In Oregon, a person can receive a ticket if they leave their car door open for an extended period of time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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Reviews
  • Allstate was my auto/home insurance agency since 1998. I switched to American Family Insurance because of Dominic Scott. He reviewed my Allstate insurance, created an ""apples to apples"" comparison and other options, including umbrella insurance. Unlike many other agencies, American Family Insurance includes an earthquake insurance option, which is very good to have here in the Northwest! He was clear and made sure everything was understandable. I was sold. When it came time to cut ties to my old insurance, he took care of everything. He is the kind of insurance agent you want on your side!

  • I've been insured with the Dominic Scott Agency of American Family Insurance for over 5 years and am very pleased with the excellent personal service that I consistently receive from Dominic and his staff! Most recently I received a call from Dominic letting me know that he reviewed my account and was able to reduce my rates. Have you ever had an insurance agent call you to tell you your rate was going down? I never had before I met Dominic. He is always looking out for my best interests and helps me to be properly insured while looking for ways to save me money. I'll never shop for insurance again because I know that Dominic and his staff have my back!‎

Reviews
  • Having been with this agent (actually began with Cox Sr.) for OVER 20 years, I forgave the faux pas about 5 years ago when they missed a vital date (by one year) to lower my insurance costs and ate the difference. Finally about a year ago having needed more insurance I asked for callbacks and found myself without return messages so shopped around to change. It's been 6 months since switching away - and like pulling teeth to get any return insurance funding back from escrow. Was given lip-service like never before by them upon insisting we get our refund (due Sept. 5th). Had to write this after being treated rudely and unprofessionally by them. STAY FAR AWAY!

Reviews
  • Friendly, helpful service. Good prices too