Tigard, OR
Insuring your car and home in Tigard, OR
Commute, vehicle, and housing data for Tigard, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Tigard has about 57,301 residents in Washington County. 60% of its workers drive to work alone and 62% of households own their home, so most families here need both a car policy and a homeowners policy.
Tigard commuting and vehicle data
| Measure | Tigard | Oregon |
|---|---|---|
| Drive alone to work | 60% | 64% |
| Carpool | 8% | 8% |
| Work from home | 26% | 19% |
| Commute of 45 minutes or more | 8% | 12% |
| Commute under 15 minutes | 25% | 32% |
| Households with no vehicle | 5% | 7% |
| Households with 3 or more vehicles | 21% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Tigard than statewide: 8% 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 26% of Tigard workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 21% of households in Tigard have at least three vehicles (Oregon: 24%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Tigard homes and homeowners coverage
The median owner-occupied home in Tigard is valued at $610,500, and half of the city's homes were built before 1988. The Oregon median value is $477,600. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $1,297 was the average 2023 Oregon HO-3 premium at the $600,000–$699,999 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.
Legal minimums on the road in Tigard
Oregon requires liability limits of at least 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50. Those are floors; with Tigard's median home value at $610,500, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Tigard
With 62% of households owning their home, bundling is an option for most Tigard families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Tigard cars and homes
Plan for wildfire smoke and fire seasons, along with wet winter driving. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Tigard compared with nearby cities
In Hillsboro, 50% own their home and 20% of households have three or more vehicles. Beaverton: 59% drive alone, 10% commute 45+ minutes, median home $569,800. Portland: 49% drive alone, 10% commute 45+ minutes, median home $581,500. Tigard ranks 11th for long commutes among the 20 Oregon cities we profile.
What to have ready for a Tigard quote
- Drivers' names and dates of birth
- VINs from registrations or the dashboard
- Lender name and loan number
- When the roof was replaced
- Annual mileage for each car
- Home details: size, age, construction
Tigard auto and home insurance FAQ
What are the minimum car insurance limits for Tigard drivers?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
How long are commutes in Tigard?
About 8% of Tigard workers commute 45 minutes or more and 25% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Tigard?
Prices depend on the home and coverage. The NAIC's 2023 Oregon HO-3 average was $1,003; see the Oregon page.
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Last updated October 15, 2026 · How we research