For teenage drivers, one of the largest things that are used to help calculate the amount you pay each year for auto insurance is your zip code. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The information below lists the most expensive places in Oregon for 19 year olds to buy an auto insurance policy in. Portland is ranked #2 with a yearly premium of $1,484 on average, which is around $124 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gresham | $1,622 |
| 2 | Portland | $1,484 |
| 3 | Woodburn | $1,400 |
| 4 | Beaverton | $1,398 |
| 5 | Aloha | $1,391 |
| 6 | Oregon City | $1,388 |
| 7 | Lake Oswego | $1,378 |
| 8 | Newberg | $1,377 |
| 9 | Tigard | $1,376 |
| 10 | West Linn | $1,362 |
| 11 | Salem | $1,360 |
| 12 | Hillsboro | $1,352 |
| 13 | Keizer | $1,351 |
| 14 | Forest Grove | $1,347 |
| 15 | Tualatin | $1,338 |
| 16 | McMinnville | $1,325 |
| 17 | Redmond | $1,260 |
| 18 | Bend | $1,200 |
| 19 | Roseburg | $1,196 |
| 20 | Grants Pass | $1,180 |
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Premium costs are comparative as vehicle location can change auto insurance rates substantially.
Shopping around for cost effective car insurance is confusing at best, and deciding which company quotes the cheapest insurance rates for 19 year olds takes a little more work.
Each auto insurance company uses slightly different criteria to determine rates, so first let’s look at the rankings for the most budget-friendly insurance companies in Portland, OR. It’s important that readers know that Portland, OR insurance rates are impacted by many factors that may substantially change the price you pay for coverage. Simply getting older, buying a safer car, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies cheaper than before.
Compare Cheap Insurance Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $687 |
| 2 | Oregon Mutual | $844 |
| 3 | Country | $856 |
| 4 | Travelers | $914 |
| 5 | USAA | $970 |
| 6 | State Farm | $1,071 |
| 7 | Amica | $1,137 |
| 8 | Allied | $1,179 |
| 9 | California Casualty | $1,182 |
| 10 | Mutual Enumclaw | $1,188 |
| 11 | GEICO | $1,190 |
| 12 | Progressive | $1,235 |
| 13 | MetLife | $1,327 |
| 14 | 21st Century | $1,350 |
| 15 | American Family | $1,431 |
| 16 | Encompass | $1,622 |
| 17 | Allstate | $1,722 |
| 18 | Farmers | $1,935 |
| 19 | Safeco | $2,216 |
| 20 | Liberty Mutual | $2,508 |
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Grange generally has some of the cheapest car insurance rates in Portland at around $687 per year. Oregon Mutual, Country, Travelers, and USAA would also make the list of some of the more affordable Portland, OR car insurance companies.
As shown in the table above, if you currently buy coverage from Travelers and switched to Grange, you might achieve a yearly price reduction of in the vicinity of $227. Insureds with USAA may save as much as $283 a year, and State Farm insureds might realize rate reductions of up to $384 a year.
Remember that these premium estimates are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for 19 year olds. So the insurer that fits your needs best may not even be in the top 22 companies shown above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.
The make and model of vehicle needing coverage is a large factor when comparison shopping for the best insurance for 19 year olds. Vehicles with high performance engines, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.
The table below estimates coverage prices for the cheaper automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $4,221 |
| Honda Accord EX 4-Dr Sedan | $4,228 |
| Honda CR-V LX 4WD | $4,221 |
| Hyundai Elantra SE Touring Station Wagon | $4,570 |
| Toyota Prius | $4,621 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $4,662 |
| Ford F-150 XL Regular Cab 4WD | $4,713 |
| Dodge Grand Caravan SE | $4,723 |
| Ford Edge SE AWD | $4,959 |
| Ford Focus SE 4-Dr Sedan | $4,967 |
| Honda Odyssey EX | $4,959 |
| Chevrolet Impala LT | $5,011 |
| Toyota RAV4 4WD | $5,016 |
| Toyota Tacoma Double Cab 4WD | $5,011 |
| Chevrolet Silverado LT Extended Cab 4WD | $5,019 |
| Jeep Grand Cherokee Laredo 4WD | $5,011 |
| Chevrolet Malibu LT | $5,062 |
| Ford Explorer Eddie Bauer 4WD | $5,072 |
| Honda Civic VP 4-Dr Sedan | $5,257 |
| Toyota Corolla XLE | $5,308 |
| Compare Cheap Rates Go | |
Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can modify price quotes significantly.
Based on these rates, we can conclude that makes and models like the Ford Escape, Honda Accord, and Honda CR-V will definitely be a few of the more affordable vehicles to insure for teenage drivers. The cost of a car insurance policy will trend higher just due to the fact that there is more liability risk for 19 year olds, but generally speaking those particular vehicles will tend to have the lowest prices that you’ll find.
Ratings for Portland insurance companies
Picking the top auto insurance provider can be a challenge considering how many companies sell coverage in Portland. The company information below could help you decide which companies to look at comparing prices from.
These rankings are for the largest companies in America, so smaller companies that only insure vehicles in Oregon will not be included in this list. To check prices from the insurers below and more, 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 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Portland insurance rates
Insurers that offer cheap quotes for 19 year olds may also offer special discounts that may potentially lower prices by as much as 35% if you are eligible. A list of insurance companies and their possible discounts are detailed below.
- GEICO has savings for air bags, driver training, federal employee, anti-lock brakes, and military active duty.
- Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, safe vehicle, group or association, teen driver, and student away at school.
- American Family offers discounts for bundled insurance, multi-vehicle, good student, accident-free, mySafetyValet, and TimeAway discount.
- Esurance includes discounts for online quote, multi-car, good driver, safety device, and renters.
- Progressive may include discounts for homeowner, continuous coverage, online quote discount, online signing, good student, multi-policy, and multi-vehicle.
- State Farm offers premium reductions for driver’s education, student away at school, good driver, multiple policy, and safe vehicle.
- AAA offers discounts including multi-car, good student, education and occupation, multi-policy, anti-theft, good driver, and pay-in-full.
The diagram below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims or driving violations, Oregon state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, homeowner, passive restraint, accident-free, claim-free, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for 19 year olds is 28% or $640.
Violations and accidents raise rates
In a perfect world, the ideal way to receive the best insurance rates for teenage drivers is to pay attention while driving and not get tickets or have accidents. The example below demonstrates how citations and fender-benders can drive up auto insurance costs for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Portland per year with no accidents or violations is $1,541. Add in one speeding ticket and the average cost surges to $1,798, an increase of $256 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for 19 year olds goes up to an average of $4,120. That’s an increase of $2,579, or $215 per month, just for not being more responsible behind the wheel!