Hillsboro, OR Car Insurance

How much does auto insurance cost in Hillsboro?


The typical Hillsboro driver pays $1,602 per year for auto insurance. That's more than the statewide average in Oregon ($1,463) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Hillsboro.


AUTO INSURANCE COSTS: HILLSBORO VS. STATE AND US AVERAGES
Hillsboro Average (annual)Oregon AverageUnited States Average
$1,602$1,463$1,548

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Hillsboro car insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Hillsboro, GEICO offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Hillsboro. Don't forget to get car insurance quotes based on your unique driving profile.


HILLSBORO CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,062
Country$1,137
USAA$1,187
State Farm$1,327
Progressive$1,595

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Hillsboro

Hillsboro drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,428per year, on average. Drivers in their age_60s pay marginally higher rates — $1,466 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Hillsboro. One of the most effective ways to get cheaper car insurance rates as a driver in Hillsboro is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Hillsboro is $3,995, the largest such difference between any two age groups.


HILLSBORO AUTO INSURANCE COSTS BY AGE
Age groupAverage Annual Rate
Teenagers$6,095
20s$2,099
30s$1,584
40s$1,501
50s$1,428
60s$1,466
70s$1,827

Learn more about how age influences auto insurance rates.



Hillsboro car insurance rates by marital status and gender


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Hillsboro pay $89 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Hillsboro, female drivers pay $91 per year more than do male drivers for car insurance.


INSURANCE RATES IN HILLSBORO BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,693
Male$1,602
Single$1,513
Married$1,513
Divorced$1,608
Widowed$1,602

Learn more about how gender and marital status have on auto insurance rates.



Hillsboro auto insurance costs by incident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Hillsboro drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $799 per year versus the city average. A ticket for speeding results in a $375 rate hike while a DWI or DUI violation costs $629per year in extra insurance expenditures.


HILLSBORO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DWI/DUI$2,231
Reckless Driving$2,401
At-fault Accident (damages less than $1,000)$2,285
At-fault Accident (damages > $2,000)$2,429
Speeding Ticket (16-20 mph over speed limit)$1,977

Get more info on how a bad driving history can impact your car insurance costs.



Hillsboro auto insurance rates by credit score


It's no secret credit score is closely correlated with auto insurance rates. Hillsboro drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Hillsboro, improving your credit to "Fair" could help you earn a $1,307 decrease in annual car insurance rates.


HILLSBORO CAR INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Yearly Rate
Very Poor$3,227
Fair$1,920
Good$1,602
Very Good$1,459
Exceptional$1,317

Learn more about the relationship between poor credit and car insurance.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.