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How much is car insurance in Beaverton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $19 a month more expensive to insure your vehicle in Beaverton than it is in the rest of Oregon.
If you're considering relocating to Beaverton from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Beaverton is about $21 more expensive than the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Beaverton, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Beaverton residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $102 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Beaverton.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Beaverton men actually pay $99 per month for coverage while women pay $106.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Beaverton with a single accident on their record will usually see rates around $133 a month. Similarly, drivers with one ticket will typically pay around $115 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$91|
The most affordable vehicles to insure in Beaverton are by and large trucks and vans, which run about $76 per month.
Car owners, on the other hand, usually pay around $111 per month, while SUV drivers can expect to pay about $86 a month for auto insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Beaverton, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Beaverton, the difference in rates based on relationship status can be as much as $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$149|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $24 a month more than if you own your own home in Beaverton. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Beaverton, OR
Recent trends in car insurance for Beaverton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Beaverton declined from 2017-2019, before steadying out in 2020. Policy premiums began decreasing again in 2021, and finished down in 2022, at $76.
How does Beaverton compare to neighboring areas?
Why are car insurance rates in Beaverton different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Amount of drivers in the region
- Frequency of car accidents
- Off-street parking availability
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Beaverton?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing policies in Beaverton.
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Beaverton Insurance FAQs
What factors affect car insurance quotes in Beaverton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Beaverton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Beaverton?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Beaverton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Beaverton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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