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How much is car insurance in Hillsboro?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Hillsboro are about the same as the rest of Oregon.
Similarly, drivers in Hillsboro may pay higher rates than the rest of the country. The cost of auto coverage in Hillsboro is about $5 more expensive than the national average.
Keep in mind that while these are the average car insurance rates for Hillsboro, it isn't guaranteed that it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Hillsboro residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Hillsboro.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance, in Hillsboro men actually pay $84 per month for coverage while women pay $89.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Hillsboro with one accident will pay around $83 a month. Similarly, drivers with one ticket will typically pay around $95 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$91|
The cheapest vehicles to insure in Hillsboro are usually trucks and vans, with each type typically costing about $77 per month.
SUV drivers will see rates of about $80, while the rates for car owners average out to about $89 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Hillsboro, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less than single drivers, in Hillsboro both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$155|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than those who own their own home in Hillsboro. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Hillsboro, OR
Recent trends in car insurance for Hillsboro 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 choosing your car insurance policy.
The rates for car insurance in Hillsboro had been increasing from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $69 per month in 2022.
How does Hillsboro compare to neighboring areas?
Why are car insurance rates in Hillsboro different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Frequency of car accidents
- Local crime rates
- Total number of drivers in the region
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Hillsboro?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Hillsboro.
Hillsboro Insurance FAQs
What factors affect car insurance quotes in Hillsboro?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 Hillsboro different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Hillsboro?
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 Hillsboro?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Hillsboro or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.