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9900 SW Greenburg Road, Suite 245 A, Portland, OR 97223

503-245-3345
info@timmorgan.biz

Auto Insurance in Portland, OR

Portland drivers have specific insurance needs that a national 800 number can't address. At T.W. Morgan Insurance Services — located at 9900 SW Greenburg Road, Suite 245A, Portland, OR 97223 — Tim Morgan and his licensed team shop Farmers, Bristol West, Foremost, Progressive, The Hartford, Travelers, Nationwide, and more to find the right fit for your situation. No cookie-cutter policies. No sales pressure.

Get a Free Auto Quote — Call 505-245-3345 or use our contact form

With an understanding that everyone has different auto insurance needs we work with you to determine the right coverage at the right price. Depending on the provider and product you choose, you may be eligible for the following discounts:

  • Good Driver
  • Multi Car Discount
  • Good Student
  • Car Safety Features
  • Owning a Home
  • Insuring Your Home with the Same Company

Other advantages that work for you:

  • Free Windshield Repair
  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Payment Options
  • Experienced Agent with 26+ years serving our customers in Oregon, Washington and California.

A black car parked on a road next to water.Great Rates, Great Services on car insurance, Only from TW Morgan Insurance Services located in Portland, Oregon.

Whether you are beginning your search for car insurance in Portland, Salem, Eugene, Bend, Medford, Beaverton, Vancouver Washington or points in-between, the Tim Morgan Agency is here for you!  By allowing our insurance professionals to offer for the best car insurance plans and rates for our preferred drivers, our team may be able to save you money on your Oregon or Washington auto insurance policy; particularly if you are considering bundling your insurance with a home or specialty insurance policy.

A person in a red convertible.The Best Auto Insurance and Service from an Experienced Agent!

Our agency works for you to ensure that you and your family get the best rates, discounts you deserve, claims experiences and service for the value of your car insurance. Not only will our agents search for auto insurance with our appointed companies to match your insurance needs, you will also get the top notch customer service that only TW Morgan Insurance Services Insurance can deliver. "Service Above The Rest" is what we do for our customers every day. Everybody says they can save you money but it's not always about the cost and how much you save. It should be about value for the price, service, and claims experience. If your agent has years of experience and you can get free advice on how to protect your assets, consider asking a lawyer for some free advice or a stock broker? It won't happen! If it's always about money and savings, why do you purchase soda for $5.50 at a movie theater when you can save $4.00 at Taco Bell for the same soda or a gallon of milk at 7-11 when you can pay $1.00 less at your supermarket? When you get sued, do you want your cut rate insurance company to get you a newbie lawyer at $100 hr. or an experienced law firm at $250+ an hour to defend you? I suggest you consider value over cost! Do you buy the cheapest car at the dealer lot with front and passenger airbags or the same car with all the added features and upgrade features such as anti lock brakes, side curtain airbags and navigation? It's still the same car without all the luxury features. Really think about if it's just only the price.A red truck parked in a room.

Prompt Car Insurance Quotes in Portland and Around the State of Oregon and Washington.

A black car parked on a road.There are an overwhelming number of choices for car insurance out there, don’t stress!  Let the professionals at T.W. Morgan Insurance Services gather quotes from our insurance carriers, presenting you with the best options for your budget and needs!  Our agents are here to help guide you through rate comparisons, discounts and flexible payment options. They may have some money-saving tips as well.  Get your quote today! We represent Farmers, Foremost, Mid Century, Bristol West and more well know companies.

Personal Insurance covers a wide array of insurance products from home insurance and auto insurance to ATV insurance policies. A personal insurance policy is important because it protects each of your items individually as specialized products. Use the navigation above to navigate to the corresponding pages and learn more about personal insurance products available from T.W. Morgan Insurance Services.


Our Goal: 

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At TW Morgan Insurance Services we have a singular goal:  to safeguard you and your family with the best company and protections for your insurance needs. We know that there are many choices out there. We are grateful that you’ve considered TW Morgan Insurance Services for your insurance needs.

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Shop with an experienced agency so you don't hear yourself saying "I should have", or "I could have done"........

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What Oregon Law Requires for Auto Insurance

Before you compare prices, it helps to know what you're actually required to carry. Oregon mandates three types of coverage on every registered vehicle — and minimum coverage alone may leave you exposed.


Liability (25/50/20)

Oregon's liability minimum is 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury to multiple people, and $20,000 per accident for property damage. Liability pays the other party when you're at fault — it never pays for your own injuries or vehicle damage. Oregon's minimums haven't been updated since the 1970s, so a single serious accident involving surgery or a newer vehicle can exceed them quickly.


Personal Injury Protection (PIP) — $15,000 minimum

Oregon is unusual: it's technically an at-fault state, but it also requires PIP on every policy. PIP pays your medical expenses and those of your passengers regardless of who caused the crash — up to $15,000 per person, or a higher limit you choose. It also covers 70% of lost wages up to $3,000 per month and up to $30 per day for essential household services if you're injured. PIP keeps your treatment moving while fault gets sorted out — that's its real value.


Uninsured/Underinsured Motorist Coverage (UM/UIM)

Oregon requires UM/UIM bodily injury coverage at the same minimums as your liability limits (25/50 by default). This coverage steps in when the at-fault driver has no insurance or not enough to cover your damages. Roughly 10% of Oregon drivers are uninsured, and many more carry only the state minimum. UM/UIM is one of the most important coverages on your policy — and one of the most undervalued.

Optional Coverages Worth Considering in Portland, OR

Meeting Oregon's legal minimums keeps you street-legal. It doesn't protect your vehicle or fully protect your finances. Here are the coverages Tim's team most commonly recommends for Portland-area drivers:

Comprehensive

Covers damage to your vehicle from events other than collisions — theft, vandalism, hail, falling objects, and animal strikes. Portland's vehicle theft rate has been among the highest in Oregon; Multnomah County ranked 38th nationally by theft volume in 2025 according to NICB data. Comprehensive is worth the conversation if you drive a Kia, Hyundai, or Honda Civic — models that have been among the most targeted in the Portland metro.

Collision

Pays for damage to your own vehicle after a collision with another car or a fixed object, regardless of fault. If you're financing or leasing, your lender likely requires it. If you own your car outright, weigh the vehicle's value against your deductible.

Gap Coverage (Loan/Lease Payoff)

When a financed vehicle is totaled, insurance pays actual cash value — which factors in depreciation. Gap coverage pays the difference between that payout and what you still owe on your loan. For newer vehicles with significant loan balances, it's a low-cost addition that eliminates real financial exposure.

Gap Coverage (Loan/Lease Payoff)

When a financed vehicle is totaled, insurance pays actual cash value — which factors in depreciation. Gap coverage pays the difference between that payout and what you still owe on your loan. For newer vehicles with significant loan balances, it's a low-cost addition that eliminates real financial exposure.

Rental Reimbursement

Covers the cost of a rental car while your vehicle is being repaired after a covered claim. If you rely on your car to get to work, this coverage earns its premium quickly.

Our Values

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

Why Car Insurance Costs More in Portland, OR

Portland drivers pay more than drivers in most other Oregon cities — and there are measurable reasons for it. Understanding the local risk factors helps you make smarter coverage decisions and gives context when your renewal lands in the mailbox.

Traffic Density and Accident Frequency

Portland is the largest city in Oregon, and urban density directly translates to more collisions and more claims. Corridors like I-5 and I-84 see heavy congestion daily, and more cars on the road means more opportunities for accidents. Insurers price this risk into every Portland ZIP code.

Multnomah County Theft Data

Vehicle theft has been a significant driver of rates in the Portland metro. While theft reports dropped approximately 37% between 2023 and 2024 — a meaningful improvement — the elevated claim history from prior years continues to influence insurer pricing models. Rate adjustments typically lag crime trends by 12 to 24 months.

Weather and Seasonal Conditions

Portland's rainy season runs roughly October through May. Wet roads increase stopping distances and accident frequency. Occasional ice storms can trigger pileups and widespread vehicle damage across the metro area. These weather-driven claims contribute to higher comprehensive and collision loss ratios for Multnomah County insurers.

Your ZIP Code Within Portland

Rates vary significantly by neighborhood. A driver in the 97224 corridor (Tigard/SW Portland) pays meaningfully less than a driver 15 minutes east in the Gateway/East Portland area — sometimes $900 or more per year for an identical driver profile. Where you park overnight matters.

Other Personal Rating Factors

Your driving record, credit history, age, vehicle type, annual mileage, and coverage selections all affect your final rate. A clean record with continuous coverage generally earns the best pricing. Gaps in coverage — even short ones — can trigger higher rates at renewal.

Discounts Available Through T.W. Morgan

Because Tim's team represents multiple carriers, they can match your profile to the company where your specific situation earns the most favorable pricing. Discounts vary by carrier but commonly include:

Bundling (Home + Auto)

Combining your home and auto insurance with the same carrier is one of the most consistent ways to reduce both premiums. Most carriers offer 5% to 15% in multi-policy discounts. This is especially straightforward when T.W. Morgan already handles your home coverage — one call, one review, one agency.

Safe Driver Programs

Several carriers in Tim's roster — including Farmers — offer telematics-based programs that monitor driving habits and reward low-mileage, smooth-braking drivers with lower rates. If you drive less than average or primarily during off-peak hours, these programs can produce real savings.

Gap Coverage (Loan/Lease Payoff)

When a financed vehicle is totaled, insurance pays actual cash value — which factors in depreciation. Gap coverage pays the difference between that payout and what you still owe on your loan. For newer vehicles with significant loan balances, it's a low-cost addition that eliminates real financial exposure.

Multi-Vehicle Discounts

Insuring two or more vehicles on the same policy typically earns a discount on each. If your household has multiple drivers and vehicles, a consolidated policy review often surfaces savings that separate policies don't capture.

Continuous Coverage Credit

Maintaining uninterrupted insurance without lapses demonstrates financial responsibility to underwriters. Drivers with clean, gap-free records consistently qualify for better pricing across all carriers in Tim's portfolio.

Our Values

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

Our Carrier Roster for Auto Insurance in Portland

T.W. Morgan represents a hand-selected roster of admitted carriers for personal auto insurance in Oregon: Farmers, Foremost, Bristol West, and Progressive. Each carrier has different underwriting appetites — Farmers tends to favor preferred-risk drivers, Bristol West specializes in non-standard and higher-risk profiles, and Foremost covers specialty vehicles and non-standard situations and Progressive attracts the preferred and standard drivers in the middle as a discount carrier. That range matters. When your profile changes — a ticket, a new teen driver, a change in vehicle — the right carrier for your situation may be different than it was last year. Tim's team shops the entire roster at each renewal, not just your current carrier.

For home, business, and specialty lines, explore our full range of personal insurance products or learn about our home insurance options.

Auto Insurance FAQ for Portland, OR Drivers

How much is car insurance in Portland, OR?

Auto insurance in Portland, OR, typically costs between $110 and $190 per month for many drivers — though your actual rate can be higher or lower depending on your profile. Full coverage (liability + comprehensive + collision) averages around $145–$204 per month for Portland drivers, while minimum-coverage-only policies run lower. Portland rates are roughly 24% higher than the Oregon state average, driven by the city's traffic density, vehicle theft history in Multnomah County, and weather-related claim frequency. Your individual rate depends on your driving record, age, vehicle, credit history, coverage limits, deductibles, and your specific Portland ZIP code. The most reliable way to know your number is to get quotes from multiple carriers — which is exactly what T.W. Morgan's team does on your behalf, at no additional cost to you.

What is required for auto insurance in Oregon?

Oregon law requires three types of coverage on every registered vehicle. First, liability coverage at minimum limits of 25/50/20 ($25,000 per person / $50,000 per accident for bodily injury, $20,000 per accident for property damage). Second, Personal Injury Protection (PIP) at a minimum of $15,000 per person — this pays medical costs for you and your passengers regardless of fault. Third, Uninsured/Underinsured Motorist (UM/UIM) coverage at 25/50 minimums for bodily injury — this protects you when the at-fault driver has no insurance or insufficient coverage. Driving without liability coverage in Oregon is illegal under ORS 806.010 and can result in fines, license suspension, and vehicle impoundment. Most experienced agents — including Tim's team — recommend carrying well above the state minimums, particularly for liability and UM/UIM, since Oregon's floors haven't been updated since the 1970s and a single serious accident can quickly exceed them.

Can I save money by bundling my home and auto in Portland?

Yes — and it's one of the first things Tim's team looks at when reviewing your coverage. Most carriers in T.W. Morgan's roster offer meaningful multi-policy discounts when you combine home and auto. Beyond the discount, having both policies in one place simplifies your annual review, streamlines claims coordination, and means one agent who knows your full picture. If you're currently insuring home and auto with different companies, a combined quote is worth running.

Does my Portland ZIP code really affect my auto rate?

Yes, meaningfully. Insurers rate auto policies at the ZIP code level using local data on accident frequency, theft rates, claim severity, and traffic patterns. Portland neighborhoods with higher traffic density or property crime tend to carry higher premiums than suburban or SW Portland areas. Even within the same city, the difference between ZIP codes can exceed $900 annually for an identical driver profile.

Contact Us
Ready to Compare Portland Auto Insurance Rates?

Tim Morgan and his licensed team at 9900 SW Greenburg Road, Portland, OR 97223 have been serving Oregon drivers since 1991. There's no fee for using our services — you get the same rate whether you buy through us or go direct, but with us you get a licensed agent who shops Farmers, Bristol West, Foremost, Progressive, and more, reviews your policy annually, and steps in to help if you ever have a claim issue. Call 505-245-3345 (toll-free: 888-821-4717), or contact us online to get started. You can also find us and read client reviews on our Google Business Profile

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