Depending on your personal driver profile, the cheapest insurer for you will vary. State Farm offers the cheapest insurance for full and minimum coverage policies, overall. It is also the cheapest option for those with military backgrounds and DUI offenses. Nationwide has the lowest rates for teen drivers. In addition to being the most affordable option for drivers with speeding tickets and at-fault accidents, Country Financial is also the best overall provider, balancing cost and customer service quality.
Cheapest and Best Car Insurance in Eugene, OR








Cheapest Minimum Liability Car Insurance in Eugene
The following insurers offer the cheapest minimum coverage policy in Eugene:
- State Farm: $346 per year
- Country Financial: $430 per year
The most expensive company, Allstate, charges an average of $798 per year. In addition to being the cheapest option in the city, State Farm also provides the most affordable car insurance in Oregon, at about $380 per year as of October 2022, slightly higher than the city’s average.
The minimum coverage auto insurance in Eugene must meet Oregon state’s minimum requirements for bodily injury liability, property damage, personal injury protection and uninsured motorist coverage limits.
Your policy should have the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
- $15,000 personal injury protection
If you get involved in an accident, your insurer will pay up to $25,000 per person and $50,000 per accident for bodily injury and $20,000 for damage to a third party’s property. Your policy will also cover up to $25,000 per person and $50,000 per accident as uninsured motorist coverage. You can get additional coverage by purchasing a full coverage policy.
Cheapest Full Coverage Car Insurance in Eugene
In Eugene, the following insurers offer the cheapest full coverage policies:
- State Farm: $632 per year
- Nationwide: $761 per year
Allstate is the most expensive provider, charging policyholders an average of $1,177 per year. State Farm is also the cheapest for full coverage policies in Oregon, with an average annual rate of $706 per year as of October 2022. On average, Eugene residents typically pay about $74 less than others in the state for a full coverage policy.
Aside from liability coverage, a full coverage policy also includes comprehensive and collision insurance, as follows:
- Collision insurance: Pays for damages related to collisions with another vehicle or object (stop sign, pole, mailbox, etc).
- Comprehensive insurance: Covers the cost of damages from non-collision incidents, like natural disasters (fire, wind, etc.), vandalism and theft.
Full coverage policies typically benefit those with new cars. If you have an older vehicle model, getting a minimum coverage policy may not be worth the added cost.
Cheapest Car Insurance in Eugene After a Driving Offense
The following insurers offer the cheapest full coverage policies for drivers with violations in Eugene:
- Speeding ticket: State Farm ($709 per year)
- At-fault accident: State Farm ($829 per year)
- DUI: State Farm ($709 per year)
Allstate has the most expensive rates for drivers with speeding tickets or at-fault accidents, charging $1,347 and $1,640 per year, respectively. Meanwhile, drivers with a DUI will pay the most with Kemper, at $2,406 per year.
Having a traffic offense on your driving profile causes your rates to increase significantly, so you will pay much more than a driver who maintains a clean record.
After a traffic violation, the cost of your insurance will increase in proportion to the severity of the offense. For instance, drivers with a DUI offense will pay $225 more than those with speeding tickets. Shopping around and comparing rates can help you secure relatively cheap car insurance if you have a poor driving record.
Cheapest Car Insurance in Eugene for Teens and Their Families
In Eugene, the following insurers offer the cheapest full coverage policies for a 16-year-old teen added to a family policy:
- Nationwide: $1,061 per year for female teens; $1,138 per year for male teens
- State Farm: $1,082 per year for female teens
- Allstate: $1,343 per year for male teens
The most expensive insurer for teen drivers, charging $2,537 for female teens and $2,420 for male teens, is Capital Insurance Group.
Typically, teen female drivers pay lower premiums than their male counterparts. However, this cost difference levels off in early adulthood. At Nationwide, the cheapest insurer for teens in Eugene, you will pay about $78 lower if you are a female teen driver.
Parents can save a significant amount on car insurance by adding their teen driver to their existing policy. For instance, it costs $3,327 more per year for a 16-year-old male to purchase a separate policy compared to joining a family policy.
Note that these are average costs, and you can find the cheapest auto insurance premium for a teen driver by comparing quotes from different companies. You can also leverage discounts that apply to young drivers to further reduce your total cost.
Cheapest Car Insurance in Eugene for Military Drivers
Those in Eugene with a military background will get the cheapest full coverage policies from the following insurers:
- State Farm: $632 per year
- Nationwide: $761 per year
USAA is the fourth cheapest, with an average annual cost of $765. The insurer is known for offering policies exclusively to active and retired military members and their families.
State Farm and Country Financial are the two cheapest providers for minimum coverage insurance, charging $346 and $430 per year, respectively, for military drivers. Those with a military background can save money by reviewing the cheapest car insurance providers for military drivers.
How to Compare Cheap Eugene Car Insurance Quotes Online
It can take up to 15 minutes to obtain a car insurance quote online. When collecting quotes from multiple insurers, this cost can add up.
At MoneyGeek, we simplified the process by allowing you to compare multiple insurers almost instantly. You can use our calculator to quickly estimate your cost based on your age, driving profile, record and coverage needs.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
low end
on average
high end
Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in Eugene: Summary
We evaluated the best insurers based on factors like affordability, customer satisfaction and coverage options. MoneyGeek ranked the following insurers as the top options for each respective category:
- Best overall: Country Financial (MoneyGeek score of 79 out of 100)
- Best for service: Capital Insurance Group (MoneyGeek score of 68 out of 100)
- Best cheap: Country Financial (MoneyGeek score of 79 out of 100)
An insurer’s MoneyGeek score may vary across categories based on the individual factors weighted. In addition to being the best option in the city, Country Financial is also the best car insurance provider in Oregon. Those with a military background should consider USAA for their needs — the insurer received a high MoneyGeek score of 82 out of 100.
Best Overall Car Insurance in Eugene
If you are looking for a car insurance carrier that balances cost and quality service, we discovered that the best car insurance in Eugene for full coverage is from:
- Country Financial: MoneyGeek score of 79 out of 100 ($763 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($632 per year)
Country Financial offers the best balance of service and cost, receiving the second-highest rating for customer satisfaction and affordability. This makes it an excellent option for drivers on a budget who also value customer service.
USAA also ranked best for military members and their families, scoring 82 out of 100 on our ranking system and having an average cost of $765 per year.
How was this MoneyGeek score calculated?

pros
Has the second-highest customer satisfaction rating
Offers the second-most affordable rates
Provides glass deductible modification, portable electronics and media coverage, new car replacement and roadside assistance
cons
Has a relatively low rating for claims management
Does not offer gap insurance, accident forgiveness or better car replacement coverage
COMPANY HIGHLIGHTS
Country Financial is the best overall auto insurance provider, receiving high ratings for customer service and affordability. The insurer offers several add-on coverages, including rare ones like glass deductible modification.
Known as safety glass coverage, Country Financial’s glass deductible modification coverage pays for the repair of your car windows, windshield, and headlights after damage. With this coverage, you won’t need to pay the deductible on comprehensive insurance. The insurer’s new car replacement coverage covers the cost of getting a brand new car of the same model but only applies to vehicles up to four model years old.
Country Financial will also reimburse you for up to $800 to cover the cost of personal electronics, like laptops and phones, if they’re stolen from your car. This coverage may be ideal for those that frequently commute to work with their personal electronics.
Best Car Insurance in Eugene for Customer Service
The following are the best car insurers in Eugene for customer service, irrespective of cost:
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,032 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($763 per year)
Of the insurers we evaluated, Capital Insurance Group has the highest ratings for customer service and claims management. However, its policies cost more than those of other insurers in our comparison group.
How was this MoneyGeek score calculated?

pros
Has the highest ratings for customer service and claims management
Offers custom parts and full glass coverage
cons
Lacks new car replacement, better car replacement, accident forgiveness and gap insurance
COMPANY HIGHLIGHTS
While Capital Insurance Group may charge more than its competitors for insurance, it offers superior customer service and has a strong claims management record. The insurer has limited options when it comes to add-on coverages.
The insurer’s custom parts coverage pays for the repair and replacement of name-brand car parts. Additionally, you may purchase its full glass coverage to ensure the company pays for all of your auto glass repairs and replacements.
Roadside assistance is another helpful coverage option for all drivers, especially those that travel long distances. With this coverage, the insurer will pay for mechanical repairs, towing and locksmith services if your car breaks down due to a covered loss.
Of the 11 insurers we evaluated, Capital Insurance Group has the lowest score on coverage options. The insurer offers no accident forgiveness, gap insurance, rental car and/or travel reimbursement, new car replacement or better car replacement coverage options.
Best Cheap Car Insurance in Eugene
Based on affordability and service quality, the following insurers offer the best minimum coverage policies in Eugene:
- Country Financial: MoneyGeek score of 79 out of 100 ($430 per year)
- Capital Insurance Group: MoneyGeek score of 78 out of 100 ($476 per year)
Minimum coverage car insurance is the cheapest option in Eugene. However, it also has the lowest coverage limits and may not offer adequate protection against liability costs. It also does not cover any damage to your car if you get into an accident.
How was this MoneyGeek score calculated?

pros
Has the second-cheapest rates at $430 per year
Has a high rating for customer satisfaction
Provides bundling and anti-theft system discounts
Offers rare discounts, including marriage, nurse and occupation discounts
cons
Does not offer distant student, airbag, paperless or anti-theft system discounts
Has an average rating for claims experience
COMPANY HIGHLIGHTS
Country Financial is our top pick for a policy that meets Oregon’s minimum requirements, scoring highly for customer satisfaction and affordability.
With a policy from Country Financial, you will get a discount if you bundle your car insurance policy with home or life insurance or if you insure more than one car. The multiple-car discount from the insurer applies to distant students below the age of 25. Your rates may also decrease significantly if you remain accident-free for at least three years.
Country Financial offers two rare discounts — marriage and nurse discounts. You can qualify for its marriage discount if you insure your car within a year of getting married and are at least least 21 years old. Paramedics, EMTs, police officers and full-time paramedics also receive a discount from 5% to 10%.
Average Cost of Car Insurance in Eugene
In Eugene, the average cost of car insurance is $938 per year as of October 2022. This is $212 less than Oregon’s average annual car insurance cost of $1,150 and $327 lower than the national average cost of auto insurance. As shown, rates vary significantly based on where you live.
The rates included are for a full coverage car insurance policy with $100,000 bodily injury protection per person, $300,000 bodily injury liability per person and $100,000 property damage protection per accident.
About Mark Fitzpatrick
