Cheapest Car Insurance Quotes in Beaverton

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Beaverton Car Insurance

^$ 46

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Beaverton

The car insurance rate in Beaverton is $998 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Beaverton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Beaverton

$998

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Beaverton

1st place: Kemper

At $448 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $710 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $834 for six months, making it the third cheapest auto insurance company in Beaverton.

Beaverton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beaverton, OR is Kemper, offering policies at just $448 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $710.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1833 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beaverton drivers find the best deals.

Cheap Car Insurance Companies in Beaverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$448	$77
Capital Insurance Group	$710	$118
American Family	$834	$140
Country Financial	$855	$144
Travelers	$889	$150
Progressive	$916	$154
Encompass	$937	$159
State Farm	$958	$161
Nationwide	$972	$164
USAA	$972	$164
Mutual of Enumclaw	$1289	$219
Farmers	$1364	$230
Allstate	$1833	$309

Key Takeaways

Way's key takeaways about car insurance in Beaverton

The auto insurance costs in Beaverton fall around $448 for six months.
The cheapest auto insurance company in Beaverton is Kemper.
Teen drivers pay the highest rate in Beaverton at $1086 per month.

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Cheapest Minimum Liability Car Insurance in Beaverton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Beaverton are given below.

Kemper provides the cheapest minimum car insurance coverage in Beaverton. Their Average 6 Month Premium is $276. Allstate is the most expensive at $999 for the same period.

Cheapest Liability Coverage in Beaverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$276	$46
Capital Insurance Group	$365	$63
State Farm	$393	$66
USAA	$406	$68
Progressive	$427	$72
Travelers	$427	$72
Country Financial	$434	$73
American Family	$476	$80
California Casualty	$523	$87
Nationwide	$551	$93
Farmers	$738	$124
Allstate	$999	$168

Cheapest Full Coverage Car Insurance in Beaverton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Beaverton is Kemper at $77 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beaverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$448	$77
Capital Insurance Group	$710	$118
American Family	$834	$140
Country Financial	$855	$144
Travelers	$889	$150
Progressive	$916	$154
Encompass	$937	$159
State Farm	$958	$161
Nationwide	$972	$164
USAA	$972	$164
Mutual of Enumclaw	$1289	$219
Farmers	$1364	$230
Allstate	$1833	$309

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Average Car Insurance in Beaverton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Beaverton, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Beaverton, Oregon, may be increasing due to several external factors. Oregon has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Beaverton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beaverton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$740
30s	USAA	$603
40s	USAA	$559
50s	USAA	$537
60s	USAA	$559
70s	USAA	$680

Cheapest Car Insurance Rates for Teen Drivers in Beaverton,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Beaverton at $43 per month. At $6450 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$255	$43
Capital Insurance Group	$434	$72
Country Financial	$1151	$194
Travelers	$1523	$256
USAA	$1612	$271
State Farm	$1716	$289
American Family	$2350	$396
Progressive	$2660	$448
Nationwide	$4500	$766
Farmers	$6401	$1078
Allstate	$6450	$1086

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Beaverton.

As young drivers face the highest rates in Beaverton, USAA offers the cheapest auto insurance rates at $740 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Beaverton, Kemper is the cheapest car insurance provider. At $462 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Beaverton is State Farm, offering rates of around $3521 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$462	$77
Capital Insurance Group	$537	$92
Nationwide	$668	$111
Country Financial	$1075	$181
Progressive	$1109	$187
American Family	$1317	$222
Travelers	$1434	$241
USAA	$1826	$311
Allstate	$3142	$523
Farmers	$3197	$544
State Farm	$3521	$587

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Car Insurance Rates with An Accident in Beaverton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Beaverton, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Beaverton

The cheapest car insurance companies after an at-fault accident in Beaverton include Kemper and Capital Insurance Group, offering $365 and $434, respectively. Allstate is an expensive provider with an average six-month premium of $2873.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$365	$60
Capital Insurance Group	$434	$74
Capital	$490	$81
Encompass	$544	$93
State Farm	$724	$122
Travelers	$841	$142
USAA	$862	$145
Country Financial	$944	$159
Progressive	$999	$168
Nationwide	$1102	$186
American Family	$1172	$197
Farmers	$2281	$384
Allstate	$2873	$484

Beaverton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaverton OR. For example, the car insurance in Beaverton after a DUI increases to $723 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Beaverton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$972	$165
Not-at-fault accident	$1006	$168
One comp claim	$1027	$174
Two Med/PIP claims	$1041	$173
Failure to wear a seat belt	$1109	$189
Two comp claims	$1137	$189
Child safety restraint	$1151	$196
Failure to show documents	$1151	$191
Driving without lights	$1158	$197
Driving with expired registration	$1186	$197
Speeding 11 - 15 MPH over limit	$1233	$210
Speeding 16 - 20 MPH over limit	$1233	$205
Speeding 6 - 10 MPH over limit	$1233	$210
Cell phone violation	$1240	$206
Driving too slowly	$1240	$211
Failure to yield	$1240	$206
Following too closely	$1240	$211
Illegal turn	$1240	$206
Texting while driving	$1240	$211
Wrong way/wrong lane	$1240	$206
Failure to stop at a red light	$1247	$212
Improper passing	$1247	$208
Passing school bus	$1296	$220
Speeding in school zone	$1296	$216
In 65 MPH zone	$1317	$224
Speeding 21 - 25 MPH over limit	$1322	$220
Open container	$1364	$232
At-fault accident - less than $1000	$1399	$233
Operating a vehicle without permission	$1406	$239
At-fault accident - $1000-$2000	$1488	$248
At-fault accident - greater than $2000	$1488	$253
Refusal to submit to a chemical test	$1667	$278
Racing	$1674	$284
DUI	$1695	$283
Reckless driving	$1702	$289
Driving with a suspended license	$1716	$287
Leaving scene of an accident/hit and run	$1771	$302

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Beaverton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Beaverton.

The cheapest car insurance premiums in Beaverton are offered by Capital Insurance Group at $503 for a six-month policy. However, it can be as expensive as $2707 with companies like Nationwide.

Beaverton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$503	$86
Kemper	$621	$103
Progressive	$785	$132
State Farm	$999	$168
Travelers	$1006	$169
American Family	$1254	$211
USAA	$1364	$230
Country Financial	$1578	$266
Farmers	$2198	$370
Allstate	$2336	$393
Nationwide	$2707	$461

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Beaverton are offered by Kemper at $338. However, it can be as expensive as $2681 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beaverton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$338	$57
Capital Insurance Group	$406	$70
Nationwide	$551	$92
State Farm	$593	$100
Country Financial	$868	$146
Progressive	$868	$146
American Family	$889	$150
Travelers	$1027	$173
USAA	$1027	$172
Allstate	$2246	$382
Farmers	$2681	$447

Car Insurance Price Trends in Beaverton, Oregon

Car insurance rates in Beaverton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Beaverton rose by $223 in December compared to $219 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Beaverton rose to $82 in December, compared to $80 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Beaverton by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Beaverton. At $1356 for a six-month policy, insuring your car at 97006 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
97006	$1356	$228
97007	$1346	$227
97008	$1137	$191
97005	$1117	$188

Frequently Asked Questions

How much is car insurance in Beaverton?

The car insurance in Beaverton is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Beaverton?

The cheapest car insurance in Beaverton is $77 per month for full coverage.

How much is car insurance in Beaverton for teenagers?

Car insurance for teenagers costs $255 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Beaverton?

The average cost of car insurance is $860 for a six-month policy. It will cost around $168 per month to insure your car in Beaverton.

Is car insurance expensive in Beaverton?

Car insurance can be expensive in Beaverton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Beaverton can be affordable.

What is the best car insurance in Beaverton, OR?

The best car insurance company in Beaverton OR is Kemper, offering $448 for a six-month policy.