Hillsboro, OR, Car Insurance

In Hillsboro, the average full coverage car insurance costs $131 per month. Depending on factors like policy, vehicle type, and driver's details, costs can range from $129 to $365. To help drivers better understand potential expenses, the table below includes average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Hillsboro, full coverage car insurance costs about $1,545 per year, while minimum coverage is around $980 annually. These rates are higher than the Oregon averages, where full coverage is $1,484 and minimum coverage is $894. Hillsboro residents might need to budget a bit more for their car insurance.

Even though premiums are rising in Oregon, you can still find affordable car insurance in Hillsboro. Kemper offers the cheapest minimum coverage at just $48 per month. For full coverage, Kemper provides the best rate at $74 per month.

Kemper offers the cheapest car insurance for many drivers, but the best rates vary. To find affordable car insurance, get quotes from multiple providers. The table below shows the cheapest car insurance rates for different driver profiles.

Finding the cheapest car insurance in Hillsboro means comparing rates. We've outlined the most affordable options for both minimum coverage and full coverage plans below.

Kemper offers the cheapest minimum coverage auto insurance at $48 per month. Progressive follows closely with a rate of $58 per month. See the breakdown of the cheapest options in the table below.

Kemper offers the cheapest full coverage car insurance in Hillsboro at $74 per month. Below is a list of other providers to consider.

To find affordable car insurance in Hillsboro, it's best to get quotes from several providers. Kemper offers the cheapest annual rate at $729, while Capital Insurance Group is the top-rated provider with a MoneyGeek score of 90. Check out the table below for more options to consider in your search.

Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,545 per year for 40-year-olds and $1,517 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Hillsboro, with full coverage at $106 per month, saving $45 compared to the average state cost. The table below also breaks down some of the most affordable providers for teens in the city.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Kemper offers the lowest monthly rate for young drivers in Hillsboro with minimum coverage at $44. The most affordable full coverage also comes from Kemper, priced at $73. Check the table below to find out which providers have the cheapest rates for different young driver profiles.

Kemper offers the most affordable auto insurance for young drivers at $58 per month. Explore affordable auto insurance options to find the best fit for your needs. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Kemper and Progressive offer the cheapest car insurance in the city, but rates vary based on factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Kemper offers the cheapest monthly premium for seniors with rates starting at $64. Progressive follows closely with a rate of $71 per month. The table below shows top car insurance providers for seniors in Hillsboro.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Hillsboro, high-risk driver insurance rates are generally lower than the state average. Minimum coverage costs $1,328 annually, while full coverage is $2,149. This is more affordable than the state's $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit and DUIs pay the most, whereas accidents and speeding tickets have a lesser impact on rates.

Progressive offers the cheapest minimum coverage for drivers with a DUI at $773 per year in Hillsboro. American Family provides the most affordable full coverage at $1,484 annually. Check the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Kemper, Capital Insurance Group, and Travelers provide the cheapest car insurance for those with an at-fault accident record in Hillsboro. You can explore the cheapest auto insurance after an at-fault accident to find more details. The table below shows different providers in Hillsboro offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Kemper is the cheapest car insurance provider for drivers with a speeding ticket in Hillsboro, offering minimum coverage at $58 per month and full coverage at $91. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Progressive offers the most affordable rates for drivers with bad credit in Hillsboro for minimum coverage at $77 monthly. Kemper provides the cheapest full coverage at $122 per month. See the table below for more affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Oregon, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.
• $15,000 personal injury protection (PIP) per person.

For instance, if you're involved in an accident, this minimum coverage ensures that you have financial protection for injuries and damages up to these amounts.

Kemper shines as Hillsboro's most affordable car insurance for minimum and full coverage. No matter your age or credit, you'll find providers with plans that fit your wallet. Remember, your policy must include Oregon's liability insurance. Compare to get the best price for the coverage you need by law.

This FAQ section offers quick answers to help you find affordable and quality car insurance options. Learn about the best choices for minimum coverage and beyond, ensuring you get the protection you need without breaking the bank.

MoneyGeek conducted an analysis of Hillsboro auto insurance prices using data from the Oregon Insurance Division and Quadrant Information Services.

Hillsboro Driver Profile

To assess the best and most affordable auto insurance options for Hillsboro residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Hillsboro

In assessing the car insurance quotes for Hillsboro, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Oregon's mandated liability insurance parameters:

The minimum coverage requirements in Oregon are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Oregon providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Hillsboro
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Hillsboro. For more on how we rate providers, see MoneyGeek's methodology.