GEICO offers Eugene's most affordable car insurance, with average annual rates of $470 for minimum coverage and $936 for full coverage. State Farm, Progressive and Travelers also provide competitive rates in the city.
Car Insurance in Eugene
Updated: August 5, 2025
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Key Takeaways
GEICO, Progressive and State Farm are Eugene's cheapest car insurance companies, with rates up to 30% lower than the city average.
In Eugene, monthly car insurance costs average $107 for full coverage and $55 for minimum coverage.
You'll find the best cheap auto insurance in Eugene by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Eugene?
| GEICO | $39 | $78 | -30% |
| Progressive | $46 | $80 | -24% |
| State Farm | $42 | $92 | -20% |
| Travelers | $51 | $84 | -19% |
| Allstate | $51 | $92 | -14% |
Cheapest Eugene Car Insurance by Category
In Eugene, State Farm and COUNTRY Financial each win three affordability categories. State Farm offers the cheapest rates for high-risk drivers, while COUNTRY Financial leads for young drivers and those with bad credit.
| Young Drivers | COUNTRY Financial | $73 |
| Adult Drivers | GEICO | $39 |
| Senior Drivers | GEICO | $43 |
| Drivers With an Accident | State Farm | $53 |
| Drivers With a DUI | State Farm | $45 |
| Drivers With a Speeding Ticket | State Farm | $45 |
| Drivers With Bad Credit | COUNTRY Financial | $65 |
| Drivers With Newer Cars | Progressive | $48 |
| Drivers With Old Cars | COUNTRY Financial | $31 |
Compare the Cheapest Eugene Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance, with rates varying by thousands of dollars between companies. Check the table below to find insurers offering the lowest rates for drivers who match your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $39 | $470 | -31% |
| State Farm | $42 | $502 | -27% |
| Progressive | $46 | $556 | -19% |
| Allstate | $51 | $608 | -11% |
| Travelers | $51 | $616 | -10% |
Best Car Insurance Companies in Eugene
In Eugene, the leading car insurance companies are Progressive, Travelers, GEICO, Allstate and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Progressive: Best Overall Value
pros
Strong customer service ratings
Excellent coverage options
Competitive rates for most drivers
cons
Higher rates for some driving violations
Limited local office presence
COMPANY HIGHLIGHTS
Progressive ranks as Eugene's top car insurance provider by delivering consistent quality across service, coverage, and affordability. The company stands out with high scores in all three categories, particularly excelling in coverage options. Progressive offers the best rates for drivers with newer cars in Eugene. Their strong customer service record shows in quick claim responses and helpful online tools.
Travelers: Best for Customer Service
pros
Top-rated customer service
Easy claims process
Multiple discount options
cons
Limited coverage selections
Higher rates for some drivers
COMPANY HIGHLIGHTS
Travelers earns Eugene's second-best ranking through exceptional customer service, scoring highest among all providers in this category. The company makes insurance simple with an easy-to-navigate claims process and responsive support team. While Travelers ranks fourth in affordability, they balance costs with quality service. Their main drawback is a smaller selection of coverage add-ons compared to competitors.
How Much Is Car Insurance in Eugene?
In Eugene, minimum coverage costs about $55 per month or $661 per year, ranking 308th out of all Oregon cities for affordability. Full coverage averages $107 monthly or $1,289 annually, ranking 283rd among Oregon cities.
| Full Coverage | $107 | $1,289 |
| Minimum Coverage | $55 | $661 |
Eugene Car Insurance Cost by Category
In Eugene, monthly car insurance costs range from $55 to $241 based on driver category. Check the table below to see rates for your profile.
| Young Drivers | $126 | $241 |
| Adult Drivers | $55 | $107 |
| Senior Drivers | $73 | $132 |
| Drivers With an Accident | $82 | $159 |
| Drivers With a DUI | $104 | $203 |
| Drivers With a Speeding Ticket | $72 | $140 |
| Drivers With Bad Credit | $104 | $235 |
| Drivers With Newer Cars | $70 | $137 |
| Drivers With Old Cars | $59 | $114 |
Eugene Car Insurance Costs by ZIP Code
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.
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ZIP Code:97402
| 97402 | $71 | $126 |
Compare Personalized Eugene Car Insurance Costs
Filter Eugene rates by your exact combination of age, driving record and other key factors to find more precise estimates than the general averages above.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $61 | $734 | 6% |
How to Get the Best Cheap Eugene Car Insurance
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.
- 1
Calculate your exact coverage needs
Start by determining how much coverage you actually need for your Eugene driving situation. Use our car insurance coverage needs calculator to evaluate factors like your car's value, your assets, and local risk factors. This creates a way to compare policies and ensures you don't overpay for unnecessary coverage.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might reduce your costs. Occasional drivers should look into non-owner policies that provide coverage when borrowing or renting vehicles.
- 3
Know Eugene's average insurance costs
Research average vehicle insurance costs in Eugene to set realistic expectations. Understanding typical rates for your age group, vehicle type, and location helps you recognize good deals and avoid overpaying.
- 4
Maximize available insurance discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver programs, security features and good student discounts can also significantly reduce your premiums.
- 5
Check insurer ratings and reviews
Research insurance companies' financial strength and customer satisfaction ratings in Eugene. Look for providers with strong claims-handling records and positive local customer reviews. A company's reputation for fair pricing and efficient claims processing is just as important as their initial quote.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers to compare rates. Use a mix of local agents, online quote tools and direct carrier websites to ensure you're seeing all available options. Remember that prices can vary significantly between companies for the same coverage.
- 7
Review your policy each year
Set an annual reminder to review your car insurance policy. Life changes, vehicle updates, and improving driving records can qualify you for better rates. Insurance companies also regularly adjust their pricing, so comparing quotes yearly helps ensure you maintain the best possible rate.
Cheapest Car Insurance in Eugene: Bottom Line
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.
Cheap Eugene Car Insurance: FAQ
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.
What is the cheapest car insurance company in Eugene, Oregon?
GEICO offers Eugene's lowest car insurance rates, averaging $470 for minimum coverage and $936 for full coverage. Rates vary by personal factors, so compare multiple quotes.
Who offers the best car insurance in Eugene?
Progressive ranks as Eugene's best car insurance provider with a MoneyGeek score of 97 out of 100, scoring one point higher than Travelers. Progressive delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Eugene?
In Eugene, drivers pay $1,289 per year for full coverage and $661 for minimum coverage. Actual rates vary based on individual factors like driving history and coverage choices.
Is car insurance in Eugene expensive?
Car insurance in Eugene costs more than average, ranking 308th for minimum coverage affordability and 283rd for full coverage compared to other Oregon cities.
How We Chose the Best and Cheapest Car Insurance in Eugene, OR
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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 5, 2025.