Find Car Insurance in Beaverton, Oregon

What You Should Know About Car Insurance in Beaverton, OR

Driving in Beaverton feels like suburban Portland in motion: Neighborhood streets feed into TV Highway/Canyon Road, Beaverton-Hillsdale, Murray, Hall, and Cedar Hills; rush hour bunches up on OR-217 and US-26; and rain makes pavement slick more often than snow, with the occasional icy bridge morning. MAX crossings, school zones, and a growing network of bike lanes and roundabouts add a few extra pauses to the day.

The city grew from Tualatin Valley wetlands (hence the name), incorporated in the late 1800s, and shifted from farms to neighborhoods with the interurban era and the post-WWII boom. The Silicon Forest brought nearby tech campuses and steady growth, while a diverse, food-forward community spread from Downtown Beaverton to South Cooper Mountain.

If you’re comparing car insurance in Oregon for Beaverton’s rainy commutes and weekend miles, InsureOne can help. Our agents listen to how you drive, shop multiple carriers, and tailor coverage to your routes and budget—so you can keep moving with confidence.

How Much Does Car Insurance Cost in Beaverton, Oregon?

On average, Oregon drivers pay about $51 per month for minimum liability, while the national average is about $52. Full coverage in Oregon averages about $118 per month, compared with about $168 nationwide. That means monthly car insurance costs in Oregon, and in Beaverton as well, sit below U.S. averages, especially for full coverage.

What Does Full Coverage vs Minimum Liability Mean?

Minimum liability is the legally required baseline. It pays for injuries you cause to other people and damage to their property, up to your state’s limits. It does not cover repairs to your own car or your medical bills unless you’ve added separate medical benefits. It’s the lowest-cost option, but if a crash exceeds those limits, you’re responsible for the difference.

Full coverage isn’t a legal term—it’s shorthand for liability plus collision and comprehensive. Collision helps repair or replace your car after a crash, regardless of who’s at fault. Comprehensive covers non-crash losses like theft, vandalism, fire, hail, falling objects, or animal strikes. Both collision and comprehensive come with a deductible, and lenders usually require them for financed or leased vehicles.

As a rule of thumb, choose minimum liability if you need the lowest premium and could afford to fix or replace your own car. Opt for full coverage if a major repair or total loss would be a financial strain, you drive frequently, or your vehicle is newer or financed. You can tailor either option by raising liability limits to better protect your assets, adding uninsured/underinsured motorist coverage and PIP/MedPay where available, and adjusting deductibles to balance monthly price and out-of-pocket risk.

Affordable Car Insurance Rates Comparison by Cities in Beaverton

Premiums are shaped by where you live—your ZIP code can move the price up or down—but Oregon drivers can still find strong rates. The table below places Beaverton’s monthly averages next to nearby communities so you can see how your area compares.

City	Full Coverage Insurance	Liability Insurance Coverage
Beaverton	$124	$61
Portland	$130	$61
Bend	$95	$40
Monmouth	$104	$47
Grants Pass	$97	$41

How Bundling Your Car and Homeowners Insurance Can Save You Money in Beaverton

Bundling your auto and homeowners policies with the same carrier is a simple way to save and simplify: you typically unlock a multi-policy discount, and you get one company, one bill, and one renewal date. Aligning both policies can also tighten protection by reducing overlap and closing gaps.

For Beaverton households—think rain-soaked commutes on OR-217/US-26, occasional icy mornings, and the odd windshield chip—bundles can be tailored to real life: higher liability limits, UM/UIM, full-glass, roadside assistance, or even an umbrella policy for added peace of mind.

What Types of Car Insurance Discounts Are Available in Beaverton?

Beaverton drivers can lower premiums by pairing smart coverage choices with a few core discounts. With rain-slick commutes on OR-217 and US-26 and lots of short trips around town, capturing the savings you qualify for helps keep costs in check without trimming essential protection.

Key discounts to ask about:

• Multi-policy (bundle home & auto)
• Safe driver / accident-free
• Usage-based or telematics (low-mileage, safe-driving apps)
• Multi-vehicle on the same policy
• Good student
• Defensive driving course (state-approved)

Notable Car Insurance Laws in Beaverton

Oregon follows a tort (at-fault) system but requires limited no-fault medical benefits through PIP; below are additional statewide requirements that may affect your policy in Beaverton:

What Are the Mandatory Car Insurance Requirements in Beaverton?

To drive legally in Beaverton (and anywhere in Oregon), your auto policy must meet the state minimums: $25,000 per person / $50,000 per accident in bodily injury liability, $20,000 in property damage liability, $25,000 per person / $50,000 per accident in uninsured motorist bodily injury, and $15,000 in Personal Injury Protection (PIP).

Here’s what that means in practice: bodily injury liability helps pay for injuries you cause to others; property damage liability covers damage you cause to someone else’s car or property; uninsured motorist steps in for your injuries if the at-fault driver has no insurance or too little; and PIP provides first-dollar medical benefits for you and your passengers regardless of fault, helping care start quickly.

These limits are a legal floor, not a ceiling. Many Beaverton drivers choose higher liability limits (for example, 100/300/50) and add comprehensive and collision to protect their own vehicle—often required if the car is leased or financed. Keep proof of insurance handy and maintain continuous coverage to avoid fines or other licensing and registration issues.

What Is the Penalty for Driving Without Insurance in Beaverton?

Driving without active auto insurance in Oregon is treated as a Class B traffic offense and can be costly: courts commonly levy several hundred dollars in fines, with penalties reaching about $1,000 in some cases. A coverage lapse—or being involved in a crash while uninsured—can also trigger a suspension of your license or registration.

To regain driving privileges, you’ll typically need to file an SR-22 certificate for three years and pay DMV reinstatement fees; if that SR-22 ever lapses, another suspension can follow. Note that being unable to show proof at a stop isn’t the same as being uninsured: you may still be cited, but many courts will dismiss the charge once you promptly provide documentation showing you were covered on the date in question.

What Factors Go into My Car Insurance Cost in Beaverton?

Your price isn’t pulled from a single number—insurers blend who you are as a driver, the car you insure, and where/when you use it. Local realities matter, too: wet roads, occasional icy bridges, and congestion on OR-217 and US-26 all feed into the overall risk picture that helps shape Beaverton premiums.

Expect your final rate to reflect a mix of personal risk signals and coverage choices. If you change how you drive (fewer miles, cleaner record) or what you buy (different limits/deductibles), the price can move up or down accordingly.

Common factors that can impact your premium:

• Driving record and recent claims
• Age and years licensed
• Vehicle make/model, repair costs, safety/anti-theft features
• Annual mileage and primary use (commute vs. pleasure)
• Garaging ZIP and neighborhood claim/theft trends
• Coverage selections: liability limits, comprehensive/collision, deductibles, add-ons
• Insurance continuity (gaps/lapses) and any required filings (e.g., SR-22)
• Participation in usage-based/telematics programs
• Credit-based insurance information, where permitted by state regulation

Typical Driving Conditions in Beaverton

Expect classic Pacific Northwest weather: frequent rain that leaves pavement slick, wet leaves that hide lane markings and drain grates, and patchy morning fog. True snow is occasional, but brief cold snaps can ice up bridges and overpasses first. In fall and winter, puddling and reduced visibility are common; in summer, glare and heat-softened pavement can affect stopping distance.

Roads mix neighborhood grids with busy arterials and highways. Commuters funnel toward major corridors at rush hour, so bottlenecks and stop-and-go traffic are typical near interchanges, school zones, and commercial hubs. Ongoing growth means periodic construction zones, lane shifts, and lowered speed limits. You’ll also share space with cyclists and pedestrians on streets that feature bike lanes, roundabouts, and frequent crosswalks—plan for extra stopping room and watch for transit crossings.

How Many Car Accidents Happen in Beaverton Per Year?

Oregon’s Department of Transportation reports the following 2023 crash totals for Beaverton and other cities in Oregon.

City	Total Crashes
Beaverton	1,616
Eugene	1,476
Astoria	184
Portland	7,034
Forest Grove	204

How Many Uninsured/Underinsured Motorists Are in Beaverton?

Beaverton drivers share the road with a sizable uninsured segment: 14.7% of Oregon motorists lack coverage, according to the Insurance Information Institute, or about one out of seven. Oregon builds Uninsured Motorist (UM) bodily injury into every auto policy, so medical costs for you and your passengers are covered when the at-fault driver has no (or too little) insurance. To protect your car, consider adding collision or, where available, Uninsured Motorist Property Damage (UMPD), and keep your UM/UIM limits strong—so repair bills and shortfalls don’t land on you.