Hillsboro, OR
Hillsboro, OR car and homeowners insurance
Commute, vehicle, and housing data for Hillsboro, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Hillsboro drivers commuting alone at a rate of 61% and homeowners making up 50% of households. Here is what that means for auto and home coverage in a city of about 110,337.
Hillsboro commuting and vehicle data
| Measure | Hillsboro | Oregon |
|---|---|---|
| Drive alone to work | 61% | 64% |
| Carpool | 9% | 8% |
| Work from home | 22% | 19% |
| Commute of 45 minutes or more | 12% | 12% |
| Commute under 15 minutes | 33% | 32% |
| Households with no vehicle | 6% | 7% |
| Households with 3 or more vehicles | 20% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are similar in Hillsboro than statewide: 12% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 22% of Hillsboro workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
In Hillsboro, 6% of households live without a car while 20% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Hillsboro homeowners picture
The median owner-occupied home in Hillsboro is valued at $521,100, and half of the city's homes were built before 1997. The Oregon median value is $477,600. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $1,157 was the average 2023 Oregon HO-3 premium at the $500,000–$599,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Hillsboro drivers
Drivers in Hillsboro must carry Oregon's minimum of 25/50/20 in liability coverage (pIP $15,000; uninsured motorist 25/50). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Hillsboro
Most Hillsboro homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Hillsboro
Insurers in Oregon price for wildfire smoke and fire seasons and wet winter driving. 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.
How Hillsboro compares in Oregon
In Beaverton, 51% own their home and 14% of households have three or more vehicles. Tigard: 60% drive alone, 8% commute 45+ minutes, median home $610,500. Portland: 49% drive alone, 10% commute 45+ minutes, median home $581,500. Hillsboro ranks 8th for long commutes among the 20 Oregon cities we profile.
What to have ready for a Hillsboro quote
- VINs from registrations or the dashboard
- Target limits and deductibles
- Recent claims or violations
- Drivers' names and dates of birth
- When the roof was replaced
- Current declarations pages for auto and home
Questions from Hillsboro drivers and homeowners
What auto insurance is required in Hillsboro?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Hillsboro drivers have long commutes?
About 12% of Hillsboro workers commute 45 minutes or more and 33% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Hillsboro?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
More Oregon cities
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research