Portland, Oregon, is the most populous city in the state. It is vibrant and culturally diverse. Many bridges cross the Willamette and Columbia Rivers connecting east and west Portland to Vancouver, Washington. With it comes higher levels of traffic, congestion, and crime. These statistics lead to a higher number of crash, theft, and vandalism claims for the insurance companies that serve the State of Oregon. Periodically, the insurers review the statistics and adjust insurance rates by zip code.