Portland Insurance Rates:

Portland, OR home insurance is nearly $389 to $526, about $32-$43/month. Our exhaustive research indicates shoppers can save upto $182 by getting different quotes

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Research about Portland Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Oregon. Compare quotes & save.

Portland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $110/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1100 sqft Primary Residence Constructed In 1976 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $670/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 1970 sqft Vacation Property Constructed In 1988 with Linoleum, Composition Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $220/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 920 sqft Seasonal Residence Constructed In 1961 with Hardwood Flooring, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $360/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $485,000

4 Beds, 4 Baths 2960 sqft Seasonal Residence Constructed In 2013 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $260/8 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $140,000

1 Bed, 1 Bath 559 sqft Primary Residence Constructed In 1933 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/6 months for $230,000 Coverage
3 bedroom 2b with new kitchen with granite, stainless steel appliances, new Master bath, new lighting, new doors and moldings, Olympic size Pool. Close to police station/ fire station & house was bought for $250,000
Single guy working at the local shoe manufacturer! Average credit. No kids, dogs. Just bought the house so mortgage is pretty high.
Home Insurance Rate of $76/2 months for $300,000 Coverage
I have all the latest equipment in our kitchen, bathroom & living room. So protecting them from accident because of us or our guests is an important part of us going with good insurance.
My mother lives with me and I have a decent credit score with my house paid for

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Portland Rates & Quotes Analysis:

Portland Area Estimated House Insurance
SE Drake St, SW Virginia Ln, SE Crosswhite Way, SE Oak St, SE Needham Ct, SE Kempton Ct, Shireva Ct, SE Bob Schumacher Rd, SE Trona Ln, SE Westfork St$447
SE 43rd Ct, SE Oxford Ln, SE 58th Ave, SE 157th Ave, SE Beatrice St, SE Waverly Dr, SE 42nd Ave, SE Scott St, Elk Rock Rd, SE Maple Hill Ln$447
SE 92nd Ct, SE Stanley Pl, SE McBrod Ave, SE 134th Ave, Knaus Rd, SW Iron Mountain Blvd, SW Rye Rd, SE Cook Ct, SE 53rd Pl, SE Donatello Loop$507
SE Andover Pl, SE Mason Hill Dr, SE Ochoco St, SE Gia Ct, SW C Ave, SW G Ave, Atwater Rd, SE Derek Ct, SE Exeter Dr, SE Stevens Way$478
SE 145th Ave, SE 162nd Ave, Boca Ratan Dr, SE Cambray Way, SE 34th Ave, SE 94th Pl, SE 81st Ave, SE 150th Ave, SE Willow St, SE 92nd Pl$479

Insurance rates are influenced by a number of factors including:

  • Year Built: 35,094 Homes (13% of total) built between 1950 to 1959 in Portland are paying home insurance between $858-$865 and differs from Portland West (+$44), West Haven-Sylvan (+$34), Raleigh Hills (+$62), Milwaukie (-$17) and Johnson City (-$89).
  • Bedrooms: 81,862 2 bedrooms homes (32% of total homes ) in Portland are paying about $211. Areas near to Portland such as Portland West, West Haven-Sylvan, Raleigh Hills are costlier by $10, $8, $15 respectively whereas Milwaukie and Johnson City are more economical by $5, $18 respectively for similar homes.
  • Auto Insurance Bundling: 23,338 Households (17% of all households) in Portland have 3 or more vehicles available and when it is bundled with home insurance you can save $114. Discounts for similar bundling in close by locations such as Portland East, Maywood Park, Portland West come to $113, $114, $120 respectively.
  • Senior Discounts: 57,647 seniors (more than 55 years) occupied housing units (43% of total) in Portland get discounts between $68 to $70 and varies from Portland East ($67), Maywood Park ($68), Portland West ($72).
  • New Homes discounts: New homes such as the 87,873 homes built between 2000 to 2009 in Portland can save $91 and similar new home insurance discounts in nearby towns and cities like Portland East, Maywood Park and Portland West are $90, $91 and $96 respectively.

Portland Homeowners insurance Facts

  • Portland, OR has 133,777 owner occupied houses which is 53.8% of all units whereas Portland East, Maywood Park and Portland West have 56.12%, 85.6% and 48.35% respectively.
  • Portland, OR homeowners yearly insurance price at $457 is 0.16% of the typical house value of $288,300 which is in contrast with 0.17% in Portland East, 0.16% at Maywood Park & 0.12% in Portland West.
  • Homeowners in Portland, OR pay 1.22% of their income ($35,000 to $39,999) in insurance whereas homeowners in Portland East, Maywood Park and Portland West pay 1.21%, 1.22% and 1.28% respectively.
  • Portland, OR’s insurance is 2.1% of monthly housing costs of $1,782/month, for owners with a mortgage compared to 2.23% in Portland East, 2.21% at Maywood Park & 1.7% in Portland West. But, for households without a mortgage, insurance is 6.7% of costs ($567 in Portland, OR) in contrast with 7.12% in Portland East, 7.6% at Maywood Park & 4.96% in Portland West.

Portland, OR Home Values & Insurance rates

For example, insurance for 20,234 Homes (20.0% of total homes ) valued between $250,000 to $299,999 in Portland, OR is about $434. Rates in nearby areas in such as Portland West, West Haven-Sylvan, Raleigh Hills are cheaper by $118, $101, $150 respectively while Portland East and Maywood Park are costlier by $32 and $3 respectively for similar homes.

Portland, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,923 3.0% $36
$100,000 to $124,999 2,544 2.0% $173
$125,000 to $149,999 3,693 3.0% $214
$150,000 to $174,999 7,303 7.0% $255
$175,000 to $199,999 8,332 8.0% $297
$200,000 to $249,999 23,706 23.0% $356
$250,000 to $299,999 20,234 20.0% $434
$300,000 to $399,999 28,679 28.0% $552

Renters Insurance in Portland

  • Average Renters Insurance in Portland :  $114($9/month)

  • Median Gross Rent in Portland :  $885

  • Portland Renters Insurance to Median Rent Ratio:  1.02%

  • Renter occupied housing units in Portland :  114,772

Portland Renters Insurance as a Percentage of Rent

Portland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,332 2.0% $328
$200 to $299 3,234 2.0% $778
$300 to $499 4,626 4.0% $1228
$500 to $749 24,416 21.0% $1903
$750 to $999 34,500 30.0% $2653
$1,000 to $1,499 28,422 25.0% $3778
$1,500 or more 13,901 12.0% $5428

Protective device discount in Portland Up to :  $17

Claims-free discount in Portland Up to :  $22

Portland, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97210 $574,000 $520
97201 $569,700 $520
97205 $498,300 $500
97212 $464,300 $500
97232 $447,100 $490
97221 $420,700 $500
97231 $419,600 $480
97229 $419,500 $490
97214 $390,200 $490
97215 $361,600 $470
97219 $357,700 $480
97202 $356,500 $470
97209 $352,900 $470
97204 $332,800 $470
97227 $330,900 $470
97213 $314,100 $470
97211 $312,200 $470
97217 $268,800 $460
97218 $258,800 $460
97206 $231,700 $450
97203 $228,400 $450
97216 $215,600 $450
97220 $215,100 $450
97236 $210,100 $450
97266 $197,500 $450
97233 $194,700 $450