Beaverton, OR
Insuring your car and home in Beaverton, OR
Commute, vehicle, and housing data for Beaverton, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Beaverton: 51% of households are homeowners, and 59% of commuters drive alone. With a population near 98,000, that adds up to a lot of households insuring a house and at least one vehicle.
Beaverton driving profile
| Measure | Beaverton | Oregon |
|---|---|---|
| Drive alone to work | 59% | 64% |
| Carpool | 6% | 8% |
| Work from home | 25% | 19% |
| Commute of 45 minutes or more | 10% | 12% |
| Commute under 15 minutes | 24% | 32% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 14% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 10% of Beaverton commuters travel 45 minutes or more each way (Oregon: 12%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Remote work is common here: 25% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
14% of Beaverton households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Beaverton
Census figures put Beaverton's median home value at $569,800 (Oregon: $477,600) and its median year built at 1987. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Oregon HO-3 policyholders with $500,000–$599,999 of dwelling coverage paying an average of $1,157; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Oregon auto minimums that apply in Beaverton
Oregon requires liability limits of at least 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50. Those are floors; with Beaverton's median home value at $569,800, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Beaverton
With 51% of households owning their home, bundling is an option for most Beaverton families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Beaverton
Insurers in Oregon price for wet winter driving and ice storms. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Beaverton
In Hillsboro, 50% own their home and 20% of households have three or more vehicles. In Tigard, 62% own their home and 21% of households have three or more vehicles. In Portland, 52% own their home and 13% of households have three or more vehicles. For share of 45-minute-plus commutes, Beaverton is 10th of 20 Oregon cities on this site.
Beaverton quote checklist
- Home details: size, age, construction
- Mortgage company for the home
- Accidents, tickets, and claims from the last five years
- Drivers' names and dates of birth
- Liability limits you want
- When the roof was replaced
Questions from Beaverton drivers and homeowners
What are the minimum car insurance limits for Beaverton drivers?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Beaverton drivers have long commutes?
About 10% of Beaverton workers commute 45 minutes or more and 24% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Beaverton?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Beaverton
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research