Best Hillsboro, OR Auto Insurance in 2024
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 20, 2024
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Once home to the Kalapuya Indians, Hillsboro is now famous for being home to what is known as the “silicon forest”, a small congregation of high-tech companies just outside of Portland. The fertile land surrounding the city is essential for its agricultural industry, including local wineries. Other profitable industries include the retail sales and health care sectors.
- Fun fact: single women, look no further! Hillsboro is #20 on the list of “Top 100 cities with the largest percentage of males (pop. 50,000+)”. Intrigued by learning more about Hillsboro? Click here!
Auto Insurance Coverage Requirements in Oregon
Driving legally in Hillsboro requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 20,000 | 50,000 |
| Uninsured Motorist Bodily Injury | 25,000/50,000 | 100,000/300,000 |
| Personal Injury Protection | 15,000 | 15,000 with 0 deductible |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
Just because Oregon’s state minimums are higher than in most other states doesn’t mean your coverage needs to be more expensive. And besides, having those extra coverages protects you from uninsured motorists.
Most Oregon drivers are paying around $111 on a monthly basis for their automotive insurance policies. However, living in Hillsboro can get you low rates starting at $48/mo*! Keep reading, and we’ll show you how to get great Oregon auto insurance deals.
Cal Casualty and Grange want your business in Hillsboro. That’s why they’re trying to out-bid other providers with their lowest rates. But don’t let a cheap price fool you into signing up with a company that doesn’t care about customer service or paying out claims.
Auto insurance carriers evaluate different factors when calculating insurance quotes, including driving experience, zip code, type of vehicle owned, driving distance to work, and current insurance coverage and limits. Moreover, premiums differ from provider to provider. To verify you’re still getting the cheapest premium, compare cheap Hillsboro auto insurance rates via the internet.
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Major Car Insurance Factors in Hillsboro
There is a variety of numerous items that might factor into the rate quotes you get. Even though a portion of these specific things aren’t actually something you can do something about, a few of them are elements which you can change for the better. Here are some factors which can affect your automobile insurance premium:
Your Zip Code
The spot where you park your vehicle every night will probably have a serious influence on your car insurance rate. Usually, auto insurance cost less in rural regions merely because fewer cars indicates a reduced chance that you’ll get into a collision with some other vehicle. The populace of Hillsboro is 97,368 plus the normal family income is $61,073.
Automotive Accidents
The rate of serious accident is Hillsboro is very low. And, aside from the obvious reasons, this is also good news for motorists like you. When accidents are low in a particular zip code, insurance provider tend to charge everyone lower rates.
Auto Thefts in Hillsboro
Sometimes in small cities or non-urban towns, car theft can nevertheless be a dilemma. To help make it a lesser dilemma in your case, consider installing a passive anti-theft system within your current car. Your auto insurance provider may compensate you with reduced rates! Within Hillsboro, there were 126 auto thefts in 2013. Comprehensive is the type of insurance coverage you’ll need if you ever plan to file an auto theft claim – but it will also add an extra expense to your monthly bill.
Your Credit Score
Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.
Your Age
Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That’s why older drivers get charged lower monthly rates – because the insurance company is not taking on a huge financial risk by insuring them. If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.
Your Driving Record
The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have only a minor accident on your record, as your agent about Accident Forgiveness discounts.
Your Vehicle
Naturally, you’ll have to pay more for your insurance when you are insuring an expensive, luxury vehicle. Such cars cost more to replace or repair, should you file a claim, and you will need more than just the state minimum coverage in order to protect your investment.
Minor Car Insurance Factors in Hillsboro
Some of the following factors are either difficult to control, or won’t make any serious dents in your monthly payment rate:
Your Marital Status
For individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner’s or renter’s insurance, you can save even more by bundling those, too.
Your Gender
Gender has almost no substantial influence on your monthly rate. Many companies don’t charge different premiums based on gender at all. And those for those that still do, the rate rarely fluctuates beyond a 2-3% price difference.
Your Driving Distance to Work
Your typical Hillsboro commute will usually last somewhere between 19 and 32 minutes each way. Nearly 72% of all drivers will prefer to take their own automobile in order to get around, while an additional 8-11% will carpool.
If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.
Your Coverage and Deductibles
Naturally, the more insurance coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible. Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.
Education in Hillsboro, OR
Hillsboro is a highly educated city, with nearly one-fifth (or 20%) of its citizens possessing a college degree. If you fall into this group, it means you can save more money on your auto insurance! Highly-educated drivers are offered some of the lowest rates around. Another 22% of Hillsboro residents have completed their high school education.
Several major institutions for higher learning have satellite campuses located in Hillsboro, including the Oregon Institute of Technology and the Oregon Health & Science University. For a specialized degree in less than four years, students can also look into the University of Phoenix or the Work Force Training Center.
Sadly for most insurance agencies, a super easy online search can easily uncover a lot of their industry strategies. But even with the best data, it could still be tricky for you as an individual to determine your current risk user profile and find the cheapest possible insurance. Make sure you carry out your due diligence prior to committing to your next auto insurance policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Sources:
Oregon Division of Finance and Corporate Securities
Department of Highway Safety and Motor Vehicles
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