Portland Car Insurance (OR)

Portland, Oregon is located on the western coastline of the United States and has a population of 533,427. The state of Oregon has over 2 ½ million passenger car insurance policies as of 2005, and the average car insurance premium is $737 annually.

Driving in Portland, Oregon

There is more to calculating auto insurance premiums than most people think. The average time Portland residents spend commuting to work is 23 minutes; and believe it or not, that is taken into consideration when rates are determined. The number of car accidents in the area are used to calculate auto insurance premiums, as well, and there were 34 car accidents within Portland in 2004 that included fatalities. The 34 car accidents involved 55 vehicles and 91 people and an average speed of 35 miles per hour of the vehicles involved.

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Save Money on Your Portland Car Insurance

The type of car you drive has a lot to due with how much you pay for auto insurance. If you drive one of the commonly stolen vehicles in Oregon, your Portland car insurance premiums will naturally be higher due to the increased risk for car theft. In 2004, there were almost 6,000 vehicles stolen from the Portland area. Avoid the following ten vehicles if you want lower insurance rates, as these are the most commonly stolen vehicle in the state of Oregon:

1. 1990 Honda Accord
2. 1991 Honda Civic
3. 1990 Toyota Camry
4. 1986 Toyota Pickup
5. 1990 Acura Integra
6. 1992 Nissan Sentra
7. 1988 Toyota 4Runner
8. 1993 Jeep Cherokee/Grand Cherokee
9. 1994 Ford Escort
10. 1990 Toyota Corolla

Car Insurance Requirements in Portland (OR)

If you are relocating to Portland, or already live there, you are required to carry the Oregon state-mandated car insurance coverage minimums. If your vehicle is on the road, it must be covered by liability insurance that includes $25,000 per person and $50,000 per accident bodily injury and $10,000 property damage coverage. You also are required to carry a minimum of $15,000 in personal injury protection and uninsured motorist protection of $25,000 per person and $50,000 per accident. If you are caught driving without the state required minimums, your car can be taken from you, your license can be suspended, and you could spend time in jail.

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