Moving from Oregon to Arizona? You may need to update your car insurance.
If you are relocating from Oregon to Arizona, you’re probably considering the obvious concerns and expenses: contracting a dependable long-haul moving company, securing an abode in your new locale, and setting your move-in schedule.
With so many moving parts, it can be easy to forget the details. Auto insurance is just a detail, but it's an important one. To find a good deal and stay street legal, you’ll need to update your insurance policy — or purchase a new policy — when you move between states.
Check out our guide to auto insurance in Oregon vs. Arizona and plan accordingly. We'll cover:
Expect to pay more for auto insurance in your new home. The typical annual car insurance rate in Arizona is $90 pricier than the average expense in Oregon. The exact cost will vary, depending on your coverage, driving and insurance history, and your auto insurance company.
| State | Average Annual Rate |
| Oregon | $1,267 |
| Arizona | $1,357 |
The amount you pay for car insurance coverage depends on your chosen coverage level and how much protection you want from your policy.
If you decide to go with your state's minimum liability auto insurance coverage, you'll have medical payment, bodily injury, and property damage liability coverages, along with uninsured and underinsured driver coverage and personal injury protection in certain states.
| State | Time Period | Premium |
| Oregon | Annual | $639 |
| Arizona | Annual | $513 |
| Oregon | 6-Month | $320 |
| Arizona | 6-Month | $257 |
| Oregon | Monthly | $53 |
| Arizona | Monthly | $43 |
Electing full-coverage car insurance will cost more each month, but you'll get the added protection of collision and comprehensive coverages, plus such perks as rental reimbursement and roadside assistance. The primary benefit of full coverage car insurance is that it covers you and your vehicle more comprehensively than does minimum liability coverage. If you're ready to spend more to protect your investment, full coverage is recommended.
| Location | Period | Cost |
| Oregon | Annual | $1,277 |
| Arizona | Annual | $1,263 |
| Oregon | 6-Month | $638 |
| Arizona | 6-Month | $632 |
| Oregon | Monthly | $106 |
| Arizona | Monthly | $105 |
A major contributor to your car insurance costs is the auto insurance company you choose. Companies set premiums in a variety of ways, leading to substantial variations in pricing. Location plays a role, too: some insurance companies only sell policies in certain states, while major insurance companies shift rates by state.
When moving across state lines, it's crucial to find the best cheap auto insurance company in your new state. Get started below with our list of the five cheapest auto insurance companies in Oregon and Arizona.
| Car Insurance Company | Average Annual Rate |
| Grange | $701 |
| Oregon Mutual | $836 |
| Country | $839 |
| Travelers | $933 |
| USAA | $960 |
See additional cheap auto insurance companies in Oregon.
| Car Insurance Company | Average Annual Rate |
| The Hartford | $536 |
| SAFECO | $561 |
| Auto-Owners | $906 |
| Travelers | $1,097 |
| USAA | $1,102 |
View other inexpensive auto insurance companies in Arizona.
Though car insurance is regulated on a state-by-state level, underwriters price rates by ZIP code to adjust for local factors such as density and the likelihood of a crash. The specific location to which you relocate will play a big part in deciding how much you pay for auto insurance.
View the below tables to see auto insurance rates in major cities in Arizona and Oregon.
| City | Average Annual Rate |
| Portland | $1,514 |
| Eugene | $1,146 |
| Salem | $1,333 |
| Gresham | $1,590 |
| Hillsboro | $1,366 |
View a longer list of Oregon cities here.
| City | Average Annual Premium |
| Phoenix | $1,243 |
| Tucson | $1,083 |
| Mesa | $1,136 |
| Chandler | $1,104 |
| Glendale | $1,202 |
Looking for info on another city? View rates in other Arizona cities here.
When you relocate from Oregon to Arizona, you'll face a new set of driving laws, different SR-22 or FR-44 requirements, and more. Ensure your move goes off without a hitch with our data on your new home:
