Hillsboro drivers pay an average of $1,886/year — $115 more than the national average. With 1,525 crashes per year and a 2.7 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $530/year.
(888) 217-6781Estimated full coverage auto insurance rates for Hillsboro, OR from top carriers. Rates are adjusted for Hillsboro's 1,525 annual crashes, 2.7 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $714 | $119/mo |
| Progressive | $803 | $134/mo |
| State Farm | $879 | $146/mo |
| Farmers | $1,011 | $169/mo |
| Allstate | $1,075 | $179/mo |
Estimates based on 2026 rate filings for ZIP 97113. GEICO is cheapest at ~$119/mo. Actual rates vary by driver profile and exact Hillsboro location.
These Hillsboro-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Hillsboro, OR. Takes under 2 minutes.
(888) 217-6781Hillsboro is a mid-size city in Oregon with a population of 106,447. While it avoids the extreme congestion of larger metros, Hillsboro has its own risk factors — growing commuter traffic, expanding development, and rain, flooding, ice, wildfire smoke, wind storms — that shape local auto insurance rates. Drivers in Hillsboro typically pay close to the Oregon state average, with significant variation by ZIP code and neighborhood.
For official Oregon insurance regulations, visit the Oregon Division of Financial Regulation. For driver licensing, see the Oregon DMV.
Your specific ZIP code within Hillsboro can swing your premium by hundreds of dollars. Here's how rates compare across Hillsboro neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 97122 | Hillsboro South Side | $1,754/yr | $146/mo |
| 97129 | Hillsboro West Side | $1,853/yr | $154/mo |
| 97114 | Hillsboro North Side | $1,857/yr | $155/mo |
| 97117 | Hillsboro East Side | $1,946/yr | $162/mo |
| 97113 | Hillsboro Downtown/Central | $2,038/yr | $170/mo |
The cheapest ZIP is 97122 (Hillsboro South Side) at $1,754/yr. The most expensive is 97113 (Hillsboro Downtown/Central) at $2,038/yr — a $284/year difference for the same driver.
Your Hillsboro ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Hillsboro. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,961/yr | $330/mo | +110% vs avg |
| Young Adult (20-25) | $2,640/yr | $220/mo | +40% vs avg |
| Adult (26-35) | $1,886/yr | $157/mo | 0% vs avg |
| Mid-Career (36-50) | $1,660/yr | $138/mo | -12% vs avg |
| Senior (51-65) | $1,565/yr | $130/mo | -17% vs avg |
| 65+ | $1,679/yr | $140/mo | -11% vs avg |
Teens in Hillsboro pay an average of $3,961/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,565/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Oregon cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Hillsboro drivers can save up to $530/year. ZIP 97122 (Hillsboro South Side) has the lowest rates starting at $1,754/yr.
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