GEICO offers the lowest car insurance rates in Hillsboro, with average annual premiums of $753 for minimum coverage and $1,324 for full coverage. Other affordable insurers in the city include COUNTRY Financial, Progressive and Travelers.
Car Insurance in Hillsboro
Updated: August 8, 2025
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Key Takeaways
The cheapest car insurance companies in Hillsboro are GEICO, COUNTRY Financial and Progressive, with savings up to 30% compared to the city average.
On average, Hillsboro car insurance costs $150 per month for full coverage and $89 for minimum coverage.
To get the best cheap auto insurance in Hillsboro, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
Who Has the Cheapest Car Insurance in Hillsboro?
| GEICO | $63 | $110 | -30% |
| COUNTRY Financial | $73 | $110 | -26% |
| Progressive | $75 | $123 | -20% |
| Travelers | $80 | $120 | -19% |
| Allstate | $88 | $134 | -10% |
Compare the Cheapest Hillsboro Car Insurance for You
Car insurance rates change based on your driving history and personal details, so the cheapest company varies for each driver profile. Check the table below to find which insurer offers the lowest rates for your specific situation.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| COUNTRY Financial | $98 | $1,174 | -61% |
| Travelers | $169 | $2,026 | -32% |
| State Farm | $179 | $2,149 | -28% |
| Allstate | $187 | $2,250 | -24% |
| Progressive | $208 | $2,498 | -16% |
Cheapest Car Insurance by Age Group in Hillsboro
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Hillsboro, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: COUNTRY Financial (from $105 per month)
- Cheapest Car Insurance for Adults: GEICO (from $63 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $71 per month)
Cheapest Car Insurance for Young Drivers in Hillsboro
COUNTRY Financial and GEICO offer the most affordable car insurance rates for young drivers in Hillsboro, with monthly premiums starting at $105 and $142, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Country Financial | $105 | $1,261 | -52% |
| Geico | $142 | $1,704 | -35% |
| Travelers | $167 | $2,002 | -24% |
| Mutual of Enumclaw | $184 | $2,208 | -16% |
| State Farm | $185 | $2,215 | -15% |
Cheapest Car Insurance for Adult Drivers in Hillsboro
In Hillsboro, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 32% compared to the city average. Progressive and Travelers also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $63 | $753 | -32% |
| COUNTRY Financial | $73 | $873 | -21% |
| Progressive | $75 | $901 | -19% |
| Travelers | $80 | $955 | -14% |
| Mutual of Enumclaw | $82 | $989 | -11% |
Cheapest Car Insurance for Senior Drivers in Hillsboro
For seniors aged 65+ in Hillsboro, GEICO offers the most affordable car insurance rates. Minimum coverage costs $71 per month or $855 annually, while full coverage runs $121 monthly or $1,449 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $71 | $855 | -41% |
| COUNTRY Financial | $93 | $1,111 | -23% |
| Progressive | $97 | $1,161 | -20% |
| Travelers | $109 | $1,311 | -9% |
| State Farm | $110 | $1,316 | -9% |
Cheapest Car Insurance for High-Risk Drivers in Hillsboro
These insurance companies offer the cheapest rates for high-risk drivers in Hillsboro:
- Cheapest for Bad Credit: COUNTRY Financial (from $90 per month)
- Cheapest With a DUI: Progressive (from $87 per month)
- Cheapest With an Accident: COUNTRY Financial (from $103 per month)
- Cheapest With a Speeding Ticket: GEICO (from $83 per month)
Cheapest Car Insurance for Bad Credit in Hillsboro
COUNTRY Financial offers the cheapest car insurance for bad credit drivers in Hillsboro, with monthly rates starting at $90 for minimum coverage and $139 for full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| COUNTRY Financial | $90 | $1,085 | -50% |
| Mutual of Enumclaw | $116 | $1,391 | -35% |
| GEICO | $123 | $1,474 | -32% |
| California Causality | $145 | $1,738 | -19% |
| Nationwide | $152 | $1,829 | -15% |
Cheapest Car Insurance With a DUI in Hillsboro
Progressive offers the most affordable car insurance rates for Hillsboro drivers with a DUI. Drivers can save up to 48% on minimum coverage and 45% on full coverage compared to city averages with this provider.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $87 | $1,045 | -48% |
| State Farm | $89 | $1,068 | -47% |
| COUNTRY Financial | $106 | $1,271 | -37% |
| Travelers | $118 | $1,410 | -30% |
| GEICO | $140 | $1,674 | -17% |
Cheapest Car Insurance With an Accident in Hillsboro
Drivers in Hillsboro with an accident on record can find the lowest rates with COUNTRY Financial, starting at $103 per month, about 27% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| COUNTRY Financial | $103 | $1,232 | -27% |
| GEICO | $104 | $1,246 | -26% |
| Progressive | $104 | $1,249 | -26% |
| State Farm | $106 | $1,269 | -25% |
| Travelers | $108 | $1,300 | -23% |
Cheapest Car Insurance With a Speeding Ticket in Hillsboro
Drivers with speeding tickets in Hillsboro can find the most affordable rates through GEICO. The insurer offers minimum liability coverage at $83 per month and full coverage at $152 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $83 | $1,001 | -31% |
| State Farm | $89 | $1,068 | -27% |
| COUNTRY Financial | $92 | $1,104 | -24% |
| Progressive | $94 | $1,126 | -23% |
| Travelers | $102 | $1,219 | -17% |
Best Car Insurance Companies in Hillsboro
Progressive, Travelers, GEICO, Allstate and State Farm rank as the best car insurance companies in Hillsboro. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 96 | 3 | 2 | 2 |
| Travelers | 96 | 4 | 1 | 4 |
| GEICO | 93 | 1 | 4 | 6 |
| Allstate | 92 | 5 | 6 | 3 |
| State Farm | 90 | 6 | 3 | 6 |
Progressive: Best Cheap Overall
pros
Very affordable overall
Great customer reputation
Extensive and unique add-on coverages
cons
More expensive for younger drivers and those with bad credit
COMPANY HIGHLIGHTS
Progressive is tied with Travelers for the top spot, narrowly ahead in terms of affordability and coverage options. Progressive has rates that will save you 20% on car insurance on average and has a great customer reputation that earned it the second best service in Hillsborough. In addition, Progressive has the largest coverage selection out of all national car insurance providers with unique add-ons for disappearing deductibles and accident forgiveness, not typically seen with most providers.
Travelers: Best Customer Experience
pros
Most affordable for those with bad credit
Best customer experience overall
Good coverage selection for add-ons
cons
Not as affordable for those with driving violations
COMPANY HIGHLIGHTS
Travelers narrowly loses the top spot for the best car insurance in Hillsborough due to slightly lower overall affordability ratings. Even so, the company has the lowest rates for bad credit drivers and saves most people about 19% on auto insurance. Not only this, they earned the highest agent service rating in our study in Hillsborough (excluding USAA).
How Much Is Car Insurance in Hillsboro?
In Hillsboro, minimum coverage costs $89 per month or $1,064 per year, ranking 372nd out of all Oregon cities for affordability. Full coverage averages $150 monthly or $1,804 annually, also ranking 372nd among Oregon cities.
| Full Coverage | $150 | $1,804 |
| Minimum Coverage | $89 | $1,064 |
Compare Personalized Hillsboro Car Insurance Costs
While our rate breakdowns give you a good start, the table below lets you filter Hillsboro car insurance rates by specific combinations of age, driving record and other key factors that match your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $263 | $3,162 | 45% |
Hillsboro Car Insurance Costs by ZIP Code
In Hillsboro, car insurance rates by ZIP code range from $87 to $152 per month. ZIP code 97123 is the most expensive, while 97124 is the cheapest. Check the average rates for your ZIP code on the table below.
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Zip Code:97124
| 97124 | $87 | $148 |
How to Get the Best Cheap Hillsboro Car Insurance
With car insurance rates in Hillsboro running higher than the Oregon average and numerous coverage options to sort through, finding affordable protection can feel overwhelming. Our step-by-step guide will show you how to secure the coverage you need while keeping your rates as low as possible.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation in Hillsboro. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, investigate specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might work best. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Check local insurance costs
Research average vehicle insurance costs in Hillsboro to set realistic expectations. Knowing typical rates helps you spot genuinely good deals and avoid overpaying. Local factors like traffic patterns and crime rates influence your premiums.
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Find all possible discounts
Maximize your savings through available car insurance discount options. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts and defensive driving courses can also reduce your rates.
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Review insurance company ratings
Investigate each insurer's customer service record and claims satisfaction ratings. Check local reviews from other Hillsboro drivers. A company offering slightly higher rates but excellent service might save you money and stress when you need to file a claim.
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Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company calculates rates differently, so comparing multiple quotes helps ensure you find the best deal.
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Set an annual review reminder
Mark your calendar to review your policy yearly. Life changes like moving within Hillsboro, buying a new car, or improving your credit score can qualify you for better rates. Regular reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Hillsboro: Bottom Line
Car insurance rates in Hillsboro vary based on your age, driving record and vehicle type. While GEICO and COUNTRY Financial offer the lowest average premiums in the city, compare quotes from multiple providers to find your best rate.
Cheap Hillsboro Car Insurance: FAQ
MoneyGeek researched car insurance rates across Hillsboro to help you find affordable coverage. Our answers address common questions about saving money while getting the right protection for your needs.
What is the cheapest car insurance company in Hillsboro, Oregon?
GEICO offers minimum coverage at $753 annually in Hillsboro, while COUNTRY Financial provides full coverage at $1,323. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Hillsboro?
Progressive leads Hillsboro's car insurance providers with a MoneyGeek score of 96 out of 100, just ahead of Travelers by 0.2 points. Progressive delivers excellent customer service alongside competitive rates.
What is the average cost of car insurance in Hillsboro?
In Hillsboro, drivers pay $1,804 for full coverage and $1,064 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Hillsboro expensive?
Car insurance in Hillsboro is more expensive than average, ranking 372nd for both minimum and full coverage affordability compared to other Oregon cities.
How We Chose the Best and Cheapest Car Insurance in Hillsboro, OR
To help Hillsboro drivers find the most affordable auto insurance companies, MoneyGeek analyzed Hillsboro auto insurance rates based on data and information from the Oregon Division of Financial Regulation and Quadrant Information Services. We studied all ZIP codes in Hillsboro and hundreds of thousands of quotes for 12 companies offering auto insurance in Oregon to tailor options as closely as possible to you.
Hillsboro Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Hillsboro with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Hillsboro
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oregon are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Hillsboro based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.