Beaverton, OR Car Insurance

On average, drivers in Beaverton pay around $108 per month for their car insurance. For more information refer to our guide below.
What can Beaverton residents expect to pay for their car insurance? Are rates in Beaverton higher or lower than those in neighboring areas? How do they compare to the rest of Oregon? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Beaverton?

Area Average Monthly Car Insurance Premium
Beaverton$108
OR$90
United States$80

Auto insurance policies in Beaverton are about $18 a month more expensive than the rest of Oregon.

Similarly, Beaverton residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Beaverton is about $28 more expensive than it is for the rest of the U.S.

While these are the average costs to insure your vehicle in Beaverton, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Beaverton so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$417
18-24$172
25-34$97
35-44$86
45-54$82
55-64$60
65+$75

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in Beaverton.

Average Car Insurance Rates by Gender

Gender Average
Male$102
Female$114

Despite the national trend of women paying less than men for insurance coverage, in Beaverton men actually pay $102 per month for coverage while women pay $114.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$139
Multiple Accidents$176
1 Ticket$158
Multiple Tickets$153

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Beaverton, a driving record with one accident will usually get you a rate around $139 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $158.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$117
4-5 Years$149
6-7 Years$111
8-10 Years$109
11-14 Years$106
15 Years or Older$96

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Beaverton, with drivers paying around $86 per month to insure their vehicle.

SUV drivers will see rates of about $98, while the rates for car owners average out to about $111 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip 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)$117
Married$95
Divorced$78
Widowed$68

On average, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Beaverton is no exception, with the difference totaling to around $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$78
Rent$106
Live with parents$154

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Beaverton, expect to pay around $28 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Beaverton, OR

Recent trends in car insurance for Beaverton drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Beaverton, auto insurance rates went up from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $98.

How does Beaverton compare to neighboring areas?

Why are car insurance rates in Beaverton different from other areas?

Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Access to off-street parking
  • Local crime rates
  • Area regulations
  • Number of drivers in the community
  • Road Safety (total number of local car accidents)

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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Beaverton?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Beaverton different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Beaverton?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Beaverton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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