Cheapest Auto Insurance in Beaverton, Oregon (2024)
Drivers in Beaverton can find the cheapest insurance from Mile Auto, with liability-only rates starting at $71 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated October 30, 2024
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Table of contents
Beaverton drivers pay an average monthly rate of $132 for a liability auto policy and $214 for full coverage. Compared to the rest of the state, these premiums are more expensive.
This might be due to the city’s higher population and close proximity to Portland, which means more drivers on the road and an increased accident risk. The good news is cheap car insurance does exist in Beaverton, and the best way to find it is by comparing quotes from multiple insurers.
Quick Facts
A full-coverage insurance policy in Beaverton costs $2,568 per year, on average.
Teen and senior drivers can lock in the best prices on car insurance coverage through discounts offered by GEICO, Travelers, and other auto insurance companies.
Oregon prohibits insurers from using drivers’ credit information when setting insurance rates for a policy renewal.
Cheapest car insurance companies in Beaverton
Not all car insurance companies in Beaverton offer the same policies at the same prices. Because rates and coverage levels vary greatly, it’s a good idea to shop around and compare all your options. To help you get started, here are a few of the cheapest car insurance companies in Beaverton.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $77 | $69 | Veterans |
| GEICO | 9.0 | $83 | $74 | Senior drivers |
| Travelers | 9.0 | $85 | $130 | Student drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Beaverton is a veteran-friendly city, thanks to amenities like Veterans Memorial Park and the Veterans of Foreign Wars (VFW). Current military members and veterans in the area can find affordable car insurance with USAA, which specifically serves the military community with a variety of insurance solutions and financial services.
Pros
SafePilot program rewards good drivers with a discount of up to 30%
Convenient mobile app
Cons
Auto insurance only available to active military members, veterans, and their families
No gap insurance
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for senior drivers: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
Seniors who are 65 and older make up 14.2% of Beaverton’s population. GEICO offers a number of discounts that may apply to them, including a defensive driving discount, a five-year good driving discount, a retired government and military discount, and a multi-car discount.
Pros
Variety of discounts advertised
24/7 customer service
Cons
Doesn’t offer rideshare or gap insurance
Limited network of local insurance agents
Read more driver reviews of GEICO
Herman - October 29, 2024
Verified
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg - October 29, 2024
Verified
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
…
Best insurer for student drivers: Travelers
TravelersCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
Beaverton is home to Beaverton High School, which enrolls more than 1,400 students in grades 9–12. Many of these students drive or have plans to get behind the wheel soon. Travelers can accommodate them with discounts like a good student discount and a defensive driving course discount. There’s also an away-at-school discount that can come in handy when these students graduate and go to college more than 100 miles away from home.
Pros
Discounts for student drivers
Highly rated mobile app
Cons
Below-average Better Business Bureau (BBB) rating
No rideshare insurance in Oregon
Read more driver reviews of Travelers
Vicki - October 27, 2024
Verified
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy - October 23, 2024
Verified
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie - October 21, 2024
Verified
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
…
How to get the cheapest car insurance in Beaverton
It takes a bit of time and effort to lock in low premiums on an auto policy in Beaverton. These tips can help you find the most affordable car insurance for your unique situation and needs:[1]
Shop around. Request quotes from at least three car insurance companies, and compare a number of factors like premiums, coverage levels, deductibles, discounts, and customer satisfaction ratings.
Bundle your home and auto insurance. If you combine your car insurance with homeowners insurance, renters insurance, or even life insurance, you may score a discount on your coverage.
Choose a higher deductible. A higher deductible will lead to lower rates on car insurance. Just make sure you can afford to pay it out of pocket if you need to file a claim.
Maintain a clean driving record. Beaverton drivers with clean records pay the lowest premiums. Drive safely to reduce the risk of speeding, at-fault accidents, and DUIs.
Find Cheap Car Insurance in Beaverton, Oregon
Liability rates start at $71 per month
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Cheapest liability-only car insurance in Beaverton: Mile Auto
Per Oregon law, drivers must purchase and maintain liability car insurance. Liability insurance covers the other driver’s property damage and medical expenses after an auto accident where you’re at fault. Because liability insurance meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy type you can get.
The cheapest insurer for liability-only car insurance in Beaverton is Mile Auto, with an average liability-only premium of $71 per month. The table below shows the most affordable liability-only policies for drivers in Beaverton.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $71 |
| Safeco | $103 |
| National General | $123 |
| Liberty Mutual | $128 |
| GAINSCO | $130 |
| Midvale Home & Auto | $135 |
| Direct Auto | $145 |
| Dairyland | $154 |
| Bristol West | $172 |
| The General | $187 |
| Root | $198 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Beaverton: Mile Auto
Full-coverage car insurance is optional in Beaverton and usually consists of liability, collision, and comprehensive insurance. But if you have a loan or lease on your vehicle, your lender may require it. This type of policy provides extra protection for vehicle damages, including accidents you cause.
Mile Auto is the cheapest full-coverage insurer in Beaverton, with an average cost of $89 per month. Here’s an overview of the cheapest full-coverage car insurance premiums in Beaverton.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $89 |
| Safeco | $150 |
| Liberty Mutual | $217 |
| Midvale Home & Auto | $221 |
| GAINSCO | $237 |
| National General | $247 |
| Direct Auto | $285 |
| Root | $318 |
| The General | $335 |
| Bristol West | $340 |
| Dairyland | $369 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Beaverton, Oregon
Drivers in and around Beaverton, Oregon have found policies from Liberty Mutual, Mile Auto, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Beaverton, Oregon within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Beaverton, Oregon within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oregon
Oregon is an at-fault, or tort, state for car insurance. This means your car insurance company will pay for the other party’s property damage and injury costs if you cause an accident.
The Beaver State requires drivers to carry bodily injury liability coverage, property damage liability coverage, personal injury protection, and uninsured motorist coverage. Drivers who fail to show proof of insurance may be on the hook for legal and financial consequences.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection | $15,000 per person |
| Uninsured motorist protection bodily injury | $25,000 per person / $50,000 per accident |
Coverage beyond Oregon’s minimum liability requirements is optional in Beaverton but can offer additional peace of mind. Here are several optional car insurance policies you might want to consider:
Comprehensive coverage
Comprehensive insurance protects you from non-accident-related incidents that damage your vehicle, such as theft or fires.
Collision coverage
If your car requires repairs or a replacement after an accident with another vehicle or object, such as a tree or fence, collision coverage will apply, regardless of who’s at fault.
Gap coverage
If you finance your car, gap insurance can cover the difference between the balance on your loan and your insurance settlement after your vehicle is considered a total loss.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are examples of incidents that increase insurance rates.[3] Car insurance companies typically reserve the cheapest coverage for people with clean driving records, but it’s still possible to find competitive rates with incidents on your driving record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Mile Auto | $71 | $99 | $103 | $120 |
| Safeco | $103 | $141 | $140 | $174 |
| National General | $123 | $167 | $172 | $207 |
| Liberty Mutual | $128 | $186 | $190 | $216 |
| GAINSCO | $130 | $189 | $173 | $219 |
| Direct Auto | $145 | $195 | $205 | $244 |
| Dairyland | $154 | $208 | $213 | $259 |
| Bristol West | $172 | $232 | $237 | $290 |
| The General | $187 | $255 | $264 | $315 |
| Root | $198 | $285 | $293 | $334 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Beaverton, OR
Monthly rates start at $93 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance by age
Compared to older drivers, teen drivers have less experience on the road and pay the highest rates for auto policies as a result. Seniors also face higher rates than middle-aged drivers due to physical and mental impairments that may increase accident risk.[4]
Average car insurance rates tend to decrease around age 35 and pick back up again around age 70. Here’s a look at the average cost of car insurance in Beaverton, organized by driver age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $405 |
| 20s | $273 |
| 30s | $213 |
| 40s | $190 |
| 50s | $170 |
| 60s | $161 |
| 70s | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Beaverton car insurance quotes by credit tier
The state of Oregon allows car insurance companies to consider your credit history when they underwrite your policy and determine your rate. Because insurers believe drivers with good to excellent credit are less risky than drivers with poor credit, they offer them cheaper coverage. The table below demonstrates average quotes for Beaverton drivers with different credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Beaverton car insurance FAQs
If you’re shopping for car insurance in Beaverton, this additional information may help as you research your coverage options.
How much is car insurance in Beaverton?
Car insurance in Beaverton costs $132 per month for liability-only coverage and $214 per month for full coverage, according to Insurify data.
Who has the cheapest car insurance in Beaverton?
Mile Auto, Safeco, and National General have the cheapest car insurance in Beaverton. Their monthly liability-only rates start as low as $71, $103, and $123, respectively. But the cheapest company for you will depend on many factors, including your location, age, type of car you drive, and chosen coverage.
What are the best car insurance companies in Beaverton?
With affordable rates, an A++ (Superior) rating from AM Best, and a high Insurify Quality (IQ) Score, GEICO is one of the best car insurance companies in Beaverton. Other top insurers include Travelers and USAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oregon
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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