Car Insurance Comparison: California vs. Oregon

Moving from California to Oregon? Remember to update your car insurance.

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Comparing auto insurance in California and Oregon

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:


  1. Insurance cost comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates in major cities
  5. Additional resources


California vs. Oregon car insurance — average prices

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.


AUTO INSURANCE RATES IN CALIFORNIA AND OREGON
State Average Annual Rate
California $1,707
Oregon $1,267


Average car insurance prices by coverage level

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.


CAR INSURANCE PREMIUMS — MINIMUM COVERAGE IN CALIFORNIA vs. OREGON
State Time Period Premium
California Annual $573
Oregon Annual $639
California 6-Month $286
Oregon 6-Month $320
California Monthly $48
Oregon Monthly $53


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.


CAR INSURANCE PREMIUMS — FULL COVERAGE IN CALIFORNIA vs. OREGON
State Period Cost
California Annual $1,626
Oregon Annual $1,277
California 6-Month $813
Oregon 6-Month $638
California Monthly $135
Oregon Monthly $106


Cheap auto insurance companies in California and Oregon

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.


CHEAP CAR INSURANCE COMPANIES IN CALIFORNIA
Insurer Average Annual Rate
USAA $1,132
Wawanesa $1,169
Century National $1,202
CSAA $1,210
Nationwide $1,238


See other affordable auto insurance companies in California.


AFFORDABLE CAR INSURANCE COMPANIES IN OREGON
Insurance Company Average Annual Rate
Grange $701
Oregon Mutual $836
Country $839
Travelers $933
USAA $960


See more cheap auto insurance companies in Oregon.


Car insurance rates by city in California and Oregon

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.


AUTO INSURANCE PRICES BY CITY IN CALIFORNIA
City Average Annual Rate
Los Angeles $2,125
San Diego $1,354
San Jose $1,409
San Francisco $1,728
Fresno $1,487


Check out a longer list of car insurance rates in California cities here.


AUTO INSURANCE RATES BY CITY IN OREGON
City Average Annual Rate
Portland $1,514
Eugene $1,146
Salem $1,333
Gresham $1,590
Hillsboro $1,366


Looking for a different city? View rates in smaller Oregon cities here.


Additional resources: moving from California to Oregon

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:

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.