Insurance Costs in Beaverton, OR
Auto insurance in Beaverton averages $1,427 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Beaverton, OR: What You Need to Know
Beaverton residents pay an average of $1,427 per year for full coverage auto insurance, which is 8.0% below the Oregon state average and 14.8% below the national average.
With a population of 97,590, Beaverton is a growing city in Oregon. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,427 | $119 |
| Standard Coverage (50/100/50) | $1,170 | $98 |
| State Minimum (25/50/20) | $599 | $50 |
Homeowners Insurance in Beaverton, OR
The average cost of homeowners insurance in Beaverton is $1,052 per year ($88/month), which is 42.2% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Beaverton, OR
Renters insurance in Beaverton averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Oregon Cities
How to Save on Insurance in Beaverton
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Beaverton can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Beaverton, OR?
The average cost of car insurance in Beaverton, OR is $1,427 per year for full coverage, or about $119 per month. Minimum coverage costs around $599 per year.
Is car insurance expensive in Beaverton?
Car insurance in Beaverton is relatively affordable compared to many U.S. cities.
How much is home insurance in Beaverton?
Homeowners insurance in Beaverton costs an average of $1,052 per year. Your actual cost depends on your home's value, age, construction type, and specific location.