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:
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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.
- 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.