Car Insurance Comparison: Texas vs. Oregon

If you're moving from Texas to Oregon, you should consider the consequences for your car insurance.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

By Kristine Lee

Updated July 8, 2025

Edited By Renata Balasco

Comparing auto insurance in Texas and Oregon

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:

Insurance cost comparison
Rates by coverage level
Cheap companies by state
Rates in major cities
Additional resources

Texas vs. Oregon car insurance — average premiums

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.

AUTO INSURANCE PREMIUMS IN TEXAS AND OREGON

State	Average Annual Rate
Texas	$2,125
Oregon	$1,267

Average car insurance premiums by coverage level

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.

CAR INSURANCE PREMIUMS FOR MINIMUM LIABILITY COVERAGE IN TEXAS vs. OREGON

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.

AUTO INSURANCE PREMIUMS — FULL COVERAGE IN TEXAS vs. OREGON

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

Affordable car insurance companies in Texas and Oregon

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.

CHEAP CAR INSURANCE COMPANIES IN TEXAS

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.

AFFORDABLE CAR INSURANCE COMPANIES IN OREGON

Insurance Company	Average Annual Rate
Grange	$701
Oregon Mutual	$836
Country	$839
Travelers	$933
USAA	$960

See more cheap auto insurance companies in Oregon.

Car insurance rates by city in Texas and 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.

CAR INSURANCE COSTS BY CITY IN TEXAS

City	Average Annual Rate
Houston	$1,872
San Antonio	$1,705
Dallas	$1,874
Austin	$1,643
Fort Worth	$1,637

See our longer list of Texas cities.

CAR INSURANCE RATES BY CITY IN OREGON

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.

More resources: moving from Texas to Oregon

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:

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.