Updated: December 18, 2025
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GEICO: Most affordable for many driver profiles. At $39 monthly for minimum coverage and $78 monthly for full coverage, GEICO saves most drivers 8% annually compared to Eugene's average.
Progressive: Runner-up for affordability with $80 monthly full coverage and $46 minimum coverage rates. It's affordable for senior drivers, drivers with an accident and drivers with a DUI.
State Farm: Cheapest for drivers with an accident record and drivers with a DUI.
Cheapest Monthly Rates by Coverage and Driver Profile in Eugene:
GEICO offers Eugene's lowest full coverage rates at $78 monthly, 30% below the city average. Progressive ranks second at $80 per month with 24% savings. For minimum coverage, GEICO leads again at $39 monthly (30% below average), followed by State Farm at $41 per month (20% savings). Your actual rates depend on your ZIP code and driving record, so compare quotes from multiple insurers.
| Geico | $39 | $78 | -30% |
| State Farm | $42 | $92 | -20% |
| Progressive | $46 | $80 | -24% |
| Allstate | $51 | $92 | -14% |
| Travelers | $51 | $84 | -19% |
Not in Eugene? Read more about the cheapest car insurance or the best provider in Oregon.
Adding a teen to your Eugene policy costs significantly more due to their inexperience. COUNTRY Financial leads with the lowest rates at $138 monthly, followed by Travelers at $173 and GEICO at $174. Teens save more by staying on a parent's policy rather than purchasing separate coverage. Defensive driving courses reduce premiums by 5% to 15% in Oregon.
| Country Financial | $138 | $1,661 | -44% |
| Travelers | $173 | $2,077 | -29% |
| Geico | $175 | $2,096 | -29% |
| State Farm | $198 | $2,374 | -19% |
| Mutual of Enumclaw | $213 | $2,562 | -13% |
Eugene seniors can take advantage of several discount opportunities to lower their car insurance costs. Completing a defensive driving course saves up to 10%, with the discount lasting three years. GEICO leads with the most affordable rates at $82 monthly for full coverage, followed by Progressive at $98 and COUNTRY Financial at $104. Most insurers provide accident forgiveness programs specifically for drivers 65 and older. GEICO also offers additional age-specific discounts and credits for defensive driver classes, making it particularly attractive for cost-conscious seniors.
| Geico | $82 | $988 | -38% |
| Progressive | $99 | $1,187 | -26% |
| Country Financial | $105 | $1,255 | -22% |
| Travelers | $109 | $1,307 | -18% |
| State Farm | $110 | $1,326 | -17% |
Violations increase premiums, but rates vary between insurers in Eugene. State Farm offers the lowest rates across violation types. After at-fault accidents, State Farm charges $52 monthly and Progressive costs $61 monthly. For speeding tickets, State Farm charges $44 monthly and GEICO costs $51 monthly. With a DUI, State Farm charges $44 monthly and Progressive costs $53 monthly. These rates reflect minimum coverage.
| At-Fault Accident | State Farm | $53 | -38% |
| At-Fault Accident | Progressive | $62 | -28% |
| DUI | State Farm | $45 | -54% |
| DUI | Progressive | $53 | -46% |
| Speeding Ticket | State Farm | $45 | -40% |
| Speeding Ticket | Geico | $51 | -31% |
ZIP codes affect car insurance rates in Eugene. Drivers in 97402 pay $28 more monthly than those in 97408, $336 more annually for identical full coverage. The highest-cost ZIP code averages $126 monthly, while the lowest costs $98 monthly. Insurers evaluate traffic patterns, crime statistics and accident frequency by ZIP code. Your specific address affects rates more than city-level data.
| 97402 | $126 |
| 97403 | $121 |
| 97401 | $101 |
| 97404 | $101 |
| 97405 | $99 |
| 97408 | $98 |
| 97408 | $98 |
| 97405 | $99 |
| 97401 | $101 |
| 97404 | $101 |
| 97403 | $121 |
| 97402 | $126 |
Progressive ranks highest in Eugene with a MoneyGeek score of 96 out of 100. Progressive offers competitive rates, comprehensive coverage and strong customer satisfaction.
Travelers, GEICO, Allstate and State Farm complete the top five for Oregon drivers. Travelers excels in customer experience, while GEICO provides the lowest premiums among major insurers.
| Progressive | 97 | 2 | 2 | 2 |
| Travelers | 96 | 4 | 1 | 4 |
| Geico | 93 | 1 | 4 | 6 |
| Allstate | 92 | 5 | 6 | 3 |
| State Farm | 92 | 3 | 3 | 6 |
Snapshot program rewards safe driving with discounts
Covers high-risk drivers
24/7 claims service with concierge repairs
Claims processing delays and communication issues reported
Standard policies require add-ons for comprehensive protection
Slow response times during accident claims
Progressive offers strong digital customer service and 24/7 claims handling for drivers in Eugene. The company provides competitive rates for seniors and comprehensive coverage, including collision protection for Pacific Northwest weather. Progressive's mobile app, Snapshot rating program and concierge repair service streamline the claims process. Progressive insures high-risk drivers across different profiles.
Strong customer service with 24/7 support
Accident forgiveness every 36 months
Fast claims processing
Fewer local agents for in-person service
Limited Eugene-specific coverage benefits
Higher premiums than competitors
Travelers ranks first in Eugene for customer service and comprehensive coverage. The company offers competitive rates for young drivers with full coverage, 24/7 digital tools and efficient claims processing. Travelers provides Premier New Car Replacement and weather-specific coverage for Eugene's rain and higher theft rates.
Eugene drivers pay high insurance costs, but multiple strategies reduce premiums.
Bundle auto with home or renters insurance for 15% to 25% savings. Add multi-car discounts of 10% to 25% per vehicle. Combine good driver and payment method discounts to save 30% to 40% total.
Raising your deductible from $500 to $1,000 cuts premiums by 10% to 15% annually. Choose a deductible you can afford if filing a claim.
Insurers adjust rates based on Oregon's risk factors and claims data. After three years of clean driving, violations drop off your record and you qualify for better rates. Compare quotes annually.
MoneyGeek analyzed Eugene insurance rates to identify affordable coverage options.
Eugene car insurance costs $107 monthly for full coverage, mid-range for Oregon. Baker City has the state's lowest rates at $43 monthly, while Gresham has the highest at $186 monthly.
Finding affordable car insurance in Eugene starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Oregon’ insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 97402 often pay much more than those in 97408.
We partnered with the Oregon Division of Financial Regulation and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Eugene ZIP code.
Our ratings for the best car insurance in Eugene are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Eugene neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
