Cheapest Auto Insurance in Beaverton, Oregon (2025)

Beaverton drivers pay an average monthly rate of $128 for a liability auto policy and $179 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.

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.

Best insurer for veterans: USAA

Best insurer for senior drivers: GEICO

Best insurer for student drivers: Travelers

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.

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 $85 per month. The table below shows the most affordable liability-only policies for drivers in Beaverton.

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 $101 per month. Here’s an overview of the cheapest full-coverage car insurance premiums in Beaverton.

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 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:

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.

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.

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.