Car Insurance in Eugene

GEICO and State Farm split the Eugene market with competitive rates across different driver categories. Adult drivers with clean records pay $470 per year through GEICO, while seniors pay $520 annually through GEICO.

Young drivers face higher premiums at $880 per year with Country Financial, which is 87% more than adult rates. At-fault accidents increase costs to $635 annually through State Farm, a 35% jump.

DUI and speeding violations both add $539 per year with State Farm. The moderate premium increases for violations make Eugene relatively affordable for drivers rebuilding their records.

GEICO offers the cheapest minimum coverage in Eugene at $470 per year, which falls 30% below the city average of $975. For full coverage, GEICO charges $937 annually, maintaining its value position.

Progressive ranks second at $556 per year for minimum coverage, still offering savings compared to the market average. GEICO's pricing advantage in Eugene reflects its efficient operations and strong Oregon presence.

The competition between GEICO and Progressive keeps Eugene rates reasonable, with both insurers aggressively pursuing market share through competitive pricing and modern digital tools.

Adult drivers in Eugene enjoy the lowest premiums at $470 annually through GEICO. Young drivers pay $880 per year with Country Financial, an 87% increase over adult rates.

Seniors pay $520 annually through GEICO, just slightly more than adults. The relatively narrow spread between adult and senior rates makes Eugene particularly attractive for older drivers.

Young drivers still face meaningful premiums but pay less than in many comparable Oregon cities. Eugene's college-town environment creates diverse insurance needs, but GEICO's competitive pricing helps most age groups find affordable coverage.

GEICO provides the lowest rates for clean-record drivers in Eugene at $470 per year. At-fault accidents push premiums to $635 annually through State Farm, a 35% increase.

DUI violations and speeding tickets both cost $539 per year with State Farm, showing consistent pricing for different violation types. The moderate surcharges make Eugene relatively forgiving compared to markets where serious violations can triple rates.

State Farm's identical pricing for DUI and speeding violations creates opportunities for savings. Maintaining a clean driving record still delivers the best value, saving Eugene drivers about $165 annually.

Progressive ranks as the best car insurance company in Eugene with a MoneyGeek score of 96.87, combining competitive rates with innovative digital tools. Travelers follows closely with a score of 95.79, offering excellent service and financial stability.

Progressive's top ranking reflects its user-friendly online platform, competitive pricing and transparent rate-comparison tools. Travelers appeals to drivers seeking traditional agent support with comprehensive coverage options.

Both insurers demonstrate strong financial ratings and customer satisfaction scores, giving Eugene residents reliable choices for quality protection backed by nationally recognized brands.

Car insurance in Eugene costs an average of $975 per year. Minimum coverage averages $81 monthly while full coverage runs $975 annually.

These rates position Eugene in the middle of Oregon's insurance market, neither particularly expensive nor notably cheap. GEICO offers coverage below the city average at $470 annually for minimum coverage, showing how insurer choice significantly impacts costs.

Eugene's moderate rates reflect Oregon's balanced insurance environment, with competitive options from GEICO and Progressive helping residents access affordable protection without sacrificing coverage quality.

In Eugene, car insurance rates by ZIP code range from $47 to $126 per month. ZIP code 97402 is the most expensive, while 97408 is the cheapest. Check the average rates for your ZIP code below.

Car insurance rates in Eugene can strain your budget, and sorting through coverage options often feels overwhelming. Our step-by-step guide will show you proven ways to lower your rates while getting the right protection for your needs.

Car insurance rates in Eugene depend on your age, driving record and vehicle type. While GEICO and Progressive offer the lowest average premiums overall, compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Eugene? Our research team answers your most common questions about finding affordable coverage that fits your needs. Get clear, straightforward answers about local insurance options and costs.

To help Eugene drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Oregon Division of Financial Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Oregon to tailor options as closely as possible to you.

Eugene Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Eugene

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Oregon are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.