Car Insurance Comparison: Oregon vs. Arizona

Moving from Oregon to Arizona? You may need to update your car insurance.

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By Ross Martin

Updated July 16, 2025

Edited By Renata Balasco

Comparing auto insurance in Oregon and Arizona

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:

Insurance rate comparison
Rates by coverage level
Cheap companies by state
Rates by city
Additional resources

Oregon vs. Arizona auto insurance — average rates

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.

AUTO INSURANCE PREMIUMS IN OREGON AND ARIZONA

State	Average Annual Rate
Oregon	$1,267
Arizona	$1,357

Average car insurance costs by coverage level

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.

AUTO INSURANCE PREMIUMS FOR STATE MINIMUM COVERAGE IN OREGON vs. ARIZONA

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.

AUTO INSURANCE RATES FOR FULL COVERAGE IN OREGON vs. ARIZONA

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

Cheap car insurance companies in Oregon and Arizona

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.

AFFORDABLE CAR INSURANCE COMPANIES IN OREGON

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.

AFFORDABLE CAR INSURANCE COMPANIES IN ARIZONA

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.

Car insurance rates by city in Oregon and 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.

CAR INSURANCE COSTS BY CITY IN OREGON

City	Average Annual Rate
Portland	$1,514
Eugene	$1,146
Salem	$1,333
Gresham	$1,590
Hillsboro	$1,366

View our longer list of Oregon cities.

CAR INSURANCE PRICES BY CITY IN ARIZONA

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.

More resources: moving from Oregon to Arizona

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:

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 editorial 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.