Moving from California to Oregon? Remember to update your car insurance.
Why you can trust The Zebra
If you’re moving from California to Oregon, you may be focused on the big-picture concerns and major expenses: tracking down a reliable moving company, finding a new apartment or house in your new locale, and arranging your interstate move.
Amidst all this stress, it's easy to overlook some details. Car insurance is often just an afterthought, but it's important. To find a cheap rate and stay street legal, you’ll need to update your policy — or find a new insurance company — when you move between states.
Check out our guide to auto insurance in California vs. Oregon to learn more about how to make your move as easy as possible. We'll cover the following:
You should expect to pay less for auto insurance once you relocate. The average annual auto insurance rate in Oregon is $439 cheaper than the average expense in California. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
|State||Average Annual Rate|
The cost of your an auto insurance policy depends on your chosen coverage level and how much protection you want from your insurer.
If you decide to go with state minimum coverage, you'll get bodily injury, property damage liability, and medical payment coverages, along with uninsured and underinsured motorist coverage and personal injury protection in some states.
Upgrading to full-coverage auto insurance will raise your costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, along with extras like rental reimbursement and roadside assistance protection. The primary benefit of full coverage car insurance is that it insures you and your vehicle more comprehensively than does minimum liability coverage. If you want to do everything possible to protect your vehicle, consider full coverage.
A primary determinant of your auto insurance costs is the auto insurance company you choose. Underwriters price rates in a number of ways, resulting in major price variations. Geography matters, too: some insurance companies sell policies only in certain places, while bigger insurance companies' rates differ by state.
When moving, you should look to locate the best cheap car insurance company in your new location. Get your research started below by viewing the five most affordable auto insurance companies in California and Oregon.
|Insurer||Average Annual Rate|
|Insurance Company||Average Annual Rate|
Although car insurance is regulated at the state level, underwriters price rates by ZIP code to account for location-specific factors such as density and the likelihood of a crash. The specific location to which you relocate plays a major role in deciding your auto insurance rates.
Reference the below tables to see auto insurance rates in major cities in Oregon and California.
|City||Average Annual Rate|
Check out a longer list of car insurance rates in California cities.
|City||Average Annual Rate|
Looking for a different city? View rates in smaller Oregon cities.
When you pack up and move from California to Oregon, you will face a new set of driving laws, different FR-44 or SR-22 requirements, and more. Make sure your interstate move runs smoothly with our collection of information on your new home:
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.