Best Car Insurance in Tualatin 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Tualatin.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 6, 2021GMC Envoy9706231Progressive$121/mo.$67/mo.
May 30, 2021Honda S20009706221National General$260/mo.$89/mo.
July 19, 2021Ford Focus SE9706221Progressive$236/mo.$112/mo.
Here’s more information about what impacts the insurance rates in your Tualatin.

How much does car insurance cost in Tualatin?

Car insurance in Tualatin, Oregon costs single-car drivers an average of $2,766 annually, or about $230 per month. Compared to the state annual average of $2,872, auto insurance in Tualatin is $106 lower higher.
The Portland suburb of Tualatin is one of the wealthiest areas in Oregon, with real estate prices that rival some of the most expensive in America. With a predominantly white-collar workforce and plenty of upscale shopping and recreation, it’s no small surprise that car insurance rates are more expensive than average as well.
The average Tualatin driver will still be paying less than the national average for their insurance, but undoubtedly wouldn’t mind saving even more. That’s where Jerry can help—it was literally built to save you money on car insurance!
Jerry finds you the best price by getting you tailored quotes from more than 50 top carriers in minutes. Once you’ve found the perfect policy, Jerry takes care of the rest—including finalizing your paperwork, and if needed, canceling your old policy
Here’s everything you need to know about car insurance in Tualatin.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Tualatin$3,042$1,540----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
TualatinNational Average
All Coverage Before Jerry
$3,042$3,223
All Coverage After Jerry
$1,540$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Tualatin

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Tualatin’s insurance rates are more expensive than Oregon’s state average, which may be discouraging, but they’re not as high as the national average. If you’re looking to save money, comparison shopping is the way to go.
Big companies like State Farm and GEICO are popular in Tualatin, as well as local companies, like Oregon Mutual, Mutual of Enumclaw, or QBE. Whatever you prefer, comparison shopping with Jerry is key to finding not only great rates, but great customer service and policies tailored to you.
If you can’t decide between local companies or big-name brands, bear in mind that if you have previous violations on your driving record, which is one of the biggest factors in calculating your rates, some companies may be more lenient than others. That’s why it’s so important to comparison shop, with quotes that are tailored specifically to you.
Here’s what drivers pay with some of the most popular insurance providers in Tualatin before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$1,492$371Compare Prices
National General$1,176$131Compare Prices
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What kind of car insurance you need in Tualatin

In Tualatin, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like many other states, Oregon has a minimum liability insurance requirement that all residents of the state must abide by. You can remember this minimum liability limit by the summary 25/50/20, as shorthand for the following:
In addition to liability insurance, Oregonians are also required to carry these additional types of coverage, with minimum limits per accident and per person:
There are serious repercussions for driving without the required insurance coverage. You could be subjected to major fees, license suspension, impoundment of your vehicle, and more. So don’t hit the road without proof of insurance on hand.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Keep in mind, it’s a good idea to carry more than liability insurance to protect you and your vehicle. If you live and drive in Tualatin, here are some coverage options that may serve you well on the road:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means a greater likelihood of collisions and damage to your vehicle. Collision insurance covers the cost of any needed repairs.
High population densityAccident forgivenessMore drivers can lead to more accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault crash.
Severe weatherComprehensive insuranceAs a northern coastal state, Oregon sees its fair share of major storms and snowy weather. Comprehensive insurance protects against damage incurred from natural causes, like inclement weather
Mountain roadsRoadside assistanceLike much of the Pacific Northwest, Oregon is primarily comprised of mountains, forests, and hills. Towns can be few and far between, which isn’t helpful if you break down on a mountain road. Roadside assistance will help you with jumpstarts, fluid delivery, and more.

What determines your car insurance cost in Tualatin

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Tualatin, you could be paying as much as $29 more per month than an adult driver. These are average rates for Jerry customers in Tualatin broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,111$1,678
25-34$3,514$1,120
35-44$1,176$131
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Tualatin with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,903$1,514
Failure to Obey Traffic Sign$4,356$1,432
Speeding under 15$3,848$1,404
Other$4,356$1,432
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Where in Tualatin you live

It may seem like insurance rates in Tualatin should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Tualatin, residents of -- will have the most expensive car insurance rates, while people who live in 97062 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Tualatin:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 6, 202197062GMC EnvoyOR31Progressive$121/mo.$67/mo.
May 30, 202197062Honda S2000OR21National General$260/mo.$89/mo.
July 19, 202197062Ford Focus SEOR21Progressive$236/mo.$112/mo.
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Why is car insurance in Tualatin so expensive?

A variety of considerations determine baseline car insurance rates in Tualatin. Insurance companies often consider the following:
Tualatin is a wealthy area, but that’s not necessarily why its insurance rates are high. Let’s examine a few factors that can impact rates.

Traffic

Tualatin is one of many large Portland suburbs. In addition, the city is bordered by two major freeways, which means lots of traffic passes through the area.
Unfortunately, that brings with it the usual big-city issue—a higher risk of traffic accidents. And that higher risk means higher rates on collision insurance.

Crime rate

Tualatin’s crime rate is another factor in why the city’s insurance rates are higher. While not nearly as high as Portland’s, there is still a greater risk of becoming a victim of property crime in Tualatin than in many other cities of comparable size. That includes auto theft or vandalism, which puts automotive insurance companies on the edge.

Education

Looking at the positives, Tualatin’s population is among the nation’s most educated, which does, thankfully, help keep the area’s rates from going up. Having a tertiary education affords policyholders lower rates, and with much of the population having a bachelor’s degree or higher, this skews the average lower.

How can you save money on car insurance in Tualatin?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. Regardless of your background, there’s bound to be a discount that fits your lifestyle or rewards you for responsible driving.
Here are some common discounts available with insurance carriers in Tualatin:
DiscountDescription
Multi-policyEven if you aren’t a homeowner, you can often bundle insurance products like renter’s insurance, pet insurance, or boat insurance if they are offered by your provider.
Safety equipmentIf you’ve added additional safety and anti-theft devices to your car, like better airbags or car alarms, insurance companies may lower your rates.
Safe driverStaying accident free for at least three years can earn you a discount on your auto insurance.
Good studentIf you attend college or university in Tualatin, are under 25, and maintain a B average at least, you may be eligible to save on your coverage.
Driver education discountOlder drivers who take an approved defensive driving course to refresh their skills can qualify for a discount.
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