120+ more*Quotes generated for Insurify users in and around Beaverton, Oregon within the last 10 days. Last updated on November 1, 2026. 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 November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Full-coverage car insurance in Beaverton, Oregon, costs an average of $187 per month, while liability-only policies average $118 per month.
Car insurance in Beaverton is cheaper than in Portland, where drivers pay an average of $207 per month for full coverage and $132 per month for liability-only coverage. But rates are more expensive in Beaverton than in nearby Corvallis, where drivers pay an average of $127 per month for full coverage and $82 per month for liability-only coverage.
As part of the Portland metropolitan area, Beaverton’s population density is about 5,000 people per square mile.[1] Higher population density usually means more traffic and a higher risk of accidents. Beaverton drivers usually run into congestion on Southwest Canyon Road, Southwest Barnes Road, and the Beaverton-Tigard Freeway.[2]
State Farm offers the cheapest average rates for liability-only car insurance in Beaverton, at $70 per month. That’s higher than Oregon’s statewide liability average of $91 per month. Beaverton’s high population density and traffic congestion drive up rates in the city.
Oregon requires all drivers to have minimum liability coverage. To legally drive in the Beaver State, you need:[3]
Bodily injury liability: You need $25,000 per person and $50,000 per accident to pay for injuries you cause to others in an accident.
Property damage liability: You need $20,000 to help cover damages you cause to others’ property.
Personal injury protection (PIP): You need $15,000 of PIP to help pay for your injuries.
Uninsured motorist (UM) coverage: You need $25,000 per person and $50,000 per accident of UM to cover injuries if a driver without enough insurance hits you.
The following table shows the cheapest rates for liability-only car insurance in Beaverton.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $70 |
| USAA | $82 |
| Mile Auto | $83 |
| Sun Coast | $85 |
| GEICO | $92 |
| National General | $93 |
| Progressive | $93 |
| Country Financial | $103 |
| The General | $104 |
| Bristol West | $107 |
| Safeco | $108 |
| Allstate | $114 |
| American Family | $118 |
| Dairyland | $118 |
| Root | $121 |
| Direct Auto | $128 |
| Farmers | $162 |
| Liberty Mutual | $167 |
| Travelers | $198 |
Get the coverage you need, starting at an average of $70 per month
Mile Auto offers the lowest average full-coverage car insurance rates in Beaverton, at $107 per month.
Full coverage costs an average of $187 per month in Beaverton. That’s higher than the statewide average.
The Beaverton area experiences floods, windstorms, earthquakes, and ashfall from volcanic eruptions. It also experiences wildfires and landslides.[4] Full-coverage policies include comprehensive coverage, which helps pay for damage from extreme weather and natural disasters.
The table below shows the cheapest full-coverage car insurance rates in Beaverton.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $107 |
| State Farm | $111 |
| USAA | $131 |
| GEICO | $143 |
| Safeco | $152 |
| Country Financial | $165 |
| Progressive | $167 |
| National General | $175 |
| Root | $183 |
| American Family | $188 |
| Bristol West | $192 |
| Allstate | $210 |
| Sun Coast | $221 |
| Liberty Mutual | $225 |
| Direct Auto | $238 |
| Dairyland | $253 |
| The General | $255 |
| Farmers | $256 |
| Travelers | $316 |
Portland is the biggest city in Oregon and has the most expensive car insurance in the state. Medford has some of the cheapest rates, thanks to its lighter traffic and fewer collisions.
Beaverton sits somewhere in the middle. The city’s rates are higher than the statewide averages but lower than Portland’s.
The bulk of Washington County’s population lives in Beaverton, Hillsboro, and Tigard. The area’s population density leads to more stop-and-go traffic on routes like Highway 217 and the Sunset Highway (U.S. Highway 26). This increases collisions and insurance costs compared with less-populated cities like Medford.
The table below shows average monthly car insurance quotes across cities in Oregon.
City | Average Monthly Quote |
|---|---|
| Grants Pass | $99 |
| The Dalles | $102 |
| Corvallis | $105 |
| Medford | $108 |
| Redmond | $109 |
| Springfield | $112 |
| Eugene | $120 |
| Mcminnville | $136 |
| Salem | $150 |
| Portland | $170 |
| Gresham | $171 |
Beaverton’s average premiums are higher than the state average, partly due to the city’s proximity to Portland. Areas with higher population density usually have more people on the road. More drivers increase the risk of an accident and push up insurance rates.
Beaverton residents spend an average of 24 minutes commuting each day, the same as Portland residents. Traffic congestion on Highway 217 and the Sunset Highway can lead to more fender-benders than on less congested roads.
Portland’s higher motor vehicle theft rate may also affect car insurance rates in Beaverton. The Portland-Vancouver-Hillsboro area had roughly 130 motor vehicle thefts per 100,000 people in 2025. The area ranks No. 26 for motor vehicle thefts in the U.S.
*Quotes generated for Insurify users in and around Beaverton, Oregon within the last 10 days. Last updated on November 1, 2026. 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 November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record plays a big role in how much you pay for car insurance in Beaverton. A clean record typically means lower rates. But a history of traffic violations usually increases your premiums.
Here are the cheapest insurers for drivers with a clean record versus people with incidents on their driving record:
Cheapest car insurance for Beaverton drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Beaverton: State Farm
Cheapest car insurance for Beaverton drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUII in Beaverton: State Farm
Nearly 5% of Beaverton drivers have a speeding ticket on their record, according to Insurify data. About 5% have an at-fault accident, and 1% have a driving under the influence of intoxicants (DUII) on their record.
Because Oregon is an at-fault state, these incidents directly affect who pays for damages. Car insurance rates usually increase after a ticket, accident, or DUII.
The Beaverton Police Department regularly conducts enforcement patrols to combat DUII. These programs combine community education with sobriety checkpoints to encourage drivers to follow the law.
The following table shows average monthly quotes for Beaverton drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $153 |
| Speeding ticket | $207 |
| At-fault accident | $209 |
| DUII | $192 |
Winter driving in Beaverton requires some extra caution. Washington County doesn’t plow neighborhood streets except during severe storms.[5] Even then, crews focus on major roads first. Watch for flashing snow zone signs on 175th Avenue, Barnes Road, and Cornell Road, where the county requires chains or traction tires.
Heavy rain can also flood low-lying stretches near Beaverton Creek and Fanno Creek, so avoid driving through standing water.
Parking in Beaverton is easier than in nearby Portland. Downtown Beaverton offers free street parking and parking in several lots. The seven-story Beaverton Central Parking Garage also offers 24/7 paid parking. Watch for posted parking signs, since some spaces and lots are for specific businesses, employees, or area residents.
Beaverton’s worst traffic builds on Highway 217 and the Sunset Highway during weekday rush hours. Heavy traffic congestion increases the risk of an accident, which drives up insurance rates.
Photo radar and red-light cameras cover several intersections in the city, including Tualatin Valley Highway at Millikan Way. Cameras there issued 607 citations in the first three weeks after activation in July 2026. Drivers with tickets on their record typically pay more for coverage.
Compare quotes from Beaverton’s top insurers and save money in minutes
Beaverton teens pay an average of $283 per month for car insurance. Younger drivers usually pay some of the highest car insurance rates because they have less experience and riskier driving habits.
Oregon’s graduated driver licensing (GDL) program allows teens to get a provisional license at age 16, after they’ve had a learner’s permit for at least six months.
Several restrictions apply to drivers younger than age 18 who hold a provisional license. These restrictions give new drivers a safe, supervised period to gain experience behind the wheel before they get a full, unrestricted license.[6]
The number of young drivers involved in fatal and injury crashes declined by nearly 10% in the four years after the state implemented the GDL program.
The table below shows the cheapest average quotes for teen drivers in Beaverton.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $135 |
| USAA | $150 |
| Sun Coast | $157 |
| Country Financial | $162 |
| GEICO | $167 |
| Mile Auto | $170 |
| Progressive | $172 |
| Root | $183 |
| National General | $184 |
| The General | $188 |
| Bristol West | $190 |
| Dairyland | $204 |
| Allstate | $211 |
| Safeco | $222 |
| American Family | $222 |
| Direct Auto | $250 |
| Liberty Mutual | $293 |
| Farmers | $323 |
| Travelers | $410 |
Senior drivers in Beaverton pay an average of $133 per month for auto coverage. Older drivers tend to pay less for car insurance because they have more experience and safer driving habits.
Beaverton skews younger than Oregon overall. Seniors make up just 15% of Beaverton’s population, but they account for 21% of the population statewide, according to U.S. census data. More young drivers can mean higher car insurance rates in an area.
The following table shows the cheapest average rates for Beaverton’s senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| Mile Auto | $65 |
| USAA | $67 |
| National General | $73 |
| GEICO | $73 |
| Sun Coast | $74 |
| Progressive | $81 |
| Country Financial | $82 |
| The General | $88 |
| Bristol West | $89 |
| Safeco | $94 |
| American Family | $94 |
| Allstate | $99 |
| Dairyland | $100 |
| Direct Auto | $105 |
| Root | $112 |
| Farmers | $129 |
| Liberty Mutual | $139 |
| Travelers | $159 |
Here are answers to common questions about car insurance in Beaverton. Use them to help you compare coverage and find the best rate for your needs.
State Farm offers the cheapest car insurance in Oregon, with an average rate of $56 per month. But how much you pay for car insurance depends on several factors, including your driving record, age, and ZIP code.
Beaverton drivers pay an average of $118 per month for liability-only auto insurance and $187 per month for full coverage. That’s higher than Oregon’s statewide average but less than in nearby Portland. Your personal rates may vary depending on factors like your coverage needs and the car you drive.
Beaverton’s high population density, heavy traffic congestion, and auto theft rates increase car insurance rates in the city. Rates also depend on personal details such as your age, driving record, credit history, ZIP code, and the car you drive. Comparing quotes from multiple insurers is the best way to find the lowest price for your coverage.
It depends. State Farm, USAA, and Sun Coast offer the lowest average rates in the city. State Farm, Nationwide, and GEICO also rank highly for customer and claims satisfaction. Comparing quotes from multiple insurance companies is the best way to find the right combination of coverage and price.
Oregon drivers pay an average of $124 per month for car insurance. Liability coverage costs an average of $91 per month, and full coverage averages $157. Oregon’s rates are slightly below the national average, largely due to its low population density and mild weather.
Insurify data scientists analyzed more than 250 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 500+ 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:
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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