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 June 26, 2022
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:


  1. Insurance rate comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates by city
  5. 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:

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers 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 Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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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.

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