Cheapest Car Insurance in Hillsboro, OR (2025)

Hillsboro drivers pay an average of $1,068 per year for minimum coverage and $1,800 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO offers Hillsboro's most affordable minimum coverage at $753 per year ($63 monthly). That's 29% lower than the city average of $1,068, saving you $315 annually. COUNTRY Financial comes in second for minimum coverage at $873 per year ($73 monthly), an 18% savings compared to the city average.
• Cheapest full coverage: COUNTRY Financial provides the most affordable full coverage at $1,323 per year ($110 monthly), 26% below the city average of $1,800. That's $477 in annual savings. GEICO's full coverage runs $1,324 per year ($110 monthly), still 26% below the city average but $1 more than COUNTRY Financial annually.

Young drivers in Hillsboro have the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Hillsboro by age group:

• Adults: GEICO at $63 and COUNTRY Financial at $73 monthly
• Seniors: GEICO at $71 and COUNTRY Financial at $93 monthly
• Young drivers: COUNTRY Financial at $105 and GEICO at $142 monthly

Young drivers can slash their premiums with GEICO's Good Student Discount, offering up to 15% savings for full-time students. COUNTRY Financial helps seniors aged 55 and older save 5% to 10% on their policies through its Defensive Driver Course Discount program.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Hillsboro by violation type:

• Accident: COUNTRY Financial at $102 and GEICO at $103 monthly
• Ticket: GEICO at $83 and State Farm at $88 monthly
• DUI: Progressive at $87 and State Farm at $88 monthly

In Oregon, minor violations stay on your record for three years before rates decrease.

Car insurance costs fluctuate across Hillsboro neighborhoods based on your ZIP code. Residents in 97124 pay the least at $148 monthly for full coverage, while those in 97123 have the highest rates at $152 monthly.

Progressive scored 96 out of 100 on MoneyGeek's rating scale, making it the top car insurance company in Hillsboro. Travelers also earned 96 out of 100, tying with Progressive.

Progressive ranks second for customer experience, with our evaluation incorporating agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Progressive excels in coverage options, but Travelers leads in customer experience. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Hillsboro residents have high auto insurance costs throughout Oregon. Shop around, reduce your premiums and secure the right protection for your needs:

Our insurance experts provide answers to common questions about car insurance costs in Hillsboro:

We analyzed hundreds of thousands of quotes from major insurers using data from the Oregon Division of Financial Regulation and Quadrant Information Services. Our research covered all Hillsboro ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Oregon's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing flood damage claims or handling downtown fender-benders.

Coverage options (10%): More choices mean better odds of matching coverage to Hillsboro risks like flood damage, uninsured motorists and theft protection for commuter areas.