If you're moving from Texas to Oregon, you should consider the consequences for your car insurance.
If you are plotting a move from Texas to Oregon, chances are you're focused on the big-picture concerns and major expenses: tracking down a reliable long-haul moving company, finding an apartment or house in your new city, and arranging your move across state lines.
Amid all the stress, it's easy to overlook some details. Auto insurance is often just an afterthought, but it's important. To stay on the right side of the law, you should plan to update your policy — or find a new insurer altogether — when you move between states.
Consult our guide to car insurance in Texas versus Oregon and plan accordingly. We'll cover:
Expect to pay less for car insurance in your new home. The average annual auto insurance rate in Oregon is $857 more affordable than the average cost in Texas. The precise cost will depend on your coverage, driving history, and your auto insurance company.
| State | Average Annual Rate |
| Texas | $2,125 |
| Oregon | $1,267 |
The cost of auto insurance depends on how you use your vehicle and what level of coverage you want.
If you decide to go with state minimum liability auto insurance coverage, you will carry bodily injury, property damage liability, and medical payment coverages, plus uninsured and underinsured motorist coverage and personal injury protection in certain states.
| State | Period | Premium |
| Texas | Annual | $782 |
| Oregon | Annual | $639 |
| Texas | 6-Month | $391 |
| Oregon | 6-Month | $320 |
| Texas | Monthly | $65 |
| Oregon | Monthly | $53 |
Choosing full-coverage car insurance will certainly cost more, but you'll get the added protection of collision and comprehensive coverages, along with rental reimbursement and roadside assistance protection. The primary benefit of full coverage is that it covers your vehicle and you more comprehensively than does lower-level coverage. If you're motivated to protect your vehicle, consider bumping up your policy to full coverage.
| State | Time Period | Rate |
| Texas | Annual | $2,120 |
| Oregon | Annual | $1,277 |
| Texas | 6-Month | $1,060 |
| Oregon | 6-Month | $638 |
| Texas | Monthly | $177 |
| Oregon | Monthly | $106 |
A primary determinant of your auto insurance costs is the auto insurance company you choose. Car insurance companies price rates in a variety of ways, leading to substantial variations in pricing. Geography matters, too: some car insurance companies sell policies only in certain places, while major insurance companies shift rates by state.
When moving, it's crucial to find the best cheap insurance company in your new location. Start researching below by viewing the five most affordable car insurance companies in Texas and Oregon.
| Insurance Company | Average Annual Rate |
| Travelers | $1,031 |
| USAA | $1,106 |
| Texas Farm Bureau | $1,223 |
| Germania Mutual | $1,269 |
| Esurance | $1,393 |
See additional cheap auto insurance companies in Texas.
| Insurance Company | Average Annual Rate |
| Grange | $701 |
| Oregon Mutual | $836 |
| Country | $839 |
| Travelers | $933 |
| USAA | $960 |
See more cheap auto insurance companies in Oregon.
Though car insurance is regulated on a state-by-state level, insurers assign rates by ZIP code to account for location-specific factors such as population density and number of insurance claims. The location to which you relocate plays a major role in deciding your rates.
View the below tables to see car insurance rates in major cities in Oregon and Texas.
| City | Average Annual Rate |
| Houston | $1,872 |
| San Antonio | $1,705 |
| Dallas | $1,874 |
| Austin | $1,643 |
| Fort Worth | $1,637 |
See a longer list of Texas cities here.
| City | Average Annual Premium |
| Portland | $1,514 |
| Eugene | $1,146 |
| Salem | $1,333 |
| Gresham | $1,590 |
| Hillsboro | $1,366 |
Is your new home not listed above? View auto insurance rates in other Oregon cities here.
When you pack up and move from Texas to Oregon, you'll face new driving laws, different SR-22 or FR-44 requirements, and more. Ensure your move runs smoothly with our collection of information on your new state:
