Compare the Cheapest Car Insurance Quotes in Eugene, OR

On average, the cost of car insurance in Eugene is $847 per year, which is less than the state average. MoneyGeek examined the cheapest insurer by coverage amount and driving history to find that Progressive offers the most affordable, widely-available insurance in Eugene. For those looking to balance quality and cost, MoneyGeek also analyzed the best insurers in Eugene.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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In Eugene, Progressive is the cheapest company for full coverage policies, GEICO for liability-only insurance and State Farm for drivers with violations. If you are a military member, USAA may be another affordable option. Regardless, MoneyGeek rated The Hartford as the best overall auto insurance provider in the city due to its superior service and affordability.

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The Cheapest and Best Car Insurance in Eugene

The Cheapest Car Insurance Companies in Eugene

On average, the following insurance carriers in Eugene offer the cheapest full coverage plans:

  • Progressive: $701 per year
  • GEICO: $704 per year

At $614 per year, USAA offers the cheapest full coverage policy in the city, but it is available only to military members and their families.

Allstate has the most expensive full coverage insurance in Salem, with Progressive’s annual premium for a comparable around 63% cheaper. A full coverage insurance policy comprises multiple coverages, including comprehensive and collision. Your premiums reflect how much coverage you’ve opted for.

Cheapest Car Insurance in Eugene
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $614
  • 2.
    Progressive
    $701
  • 3.
    GEICO
    $704
  • 4.
    MetLife
    $746
  • 5.
    State Farm
    $759
  • 6.
    Nationwide
    $783
  • 7.
    Country Financial
    $799
  • 8.
    Travelers
    $813
  • 9.
    Farmers
    $984
  • 10.
    American Family
    $1,032
  • 11.
    Allstate
    $1,144

For this MoneyGeek analysis, we use average car insurance rates for a 40-year-old male driver with a full coverage policy.

The following two coverages are included in a full coverage car insurance policy, making them more expensive than liability insurance:

  • Collision Coverage: In case of a collision with another vehicle or property, collision coverage reimburses you for your losses.
  • Comprehensive Coverage: Protects against non-crash-related damages and losses caused by theft, fire, storm or vandalism.

If the premiums for a full coverage insurance policy exceed your car's replacement value, which can be the case with older vehicles, you may wish to consider liability-only or state minimum coverage.

Compare Car Insurance Rates in Eugene

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Eugene for Minimum Coverage

The cheapest insurance in Eugene will only offer the minimum level of protection. The following insurers have the city's cheapest quotes for minimum liability insurance:

  • GEICO: $408 per year
  • Progressive: $433 per year

Military families are eligible for USAA's insurance, which costs $355 yearly and is the cheapest in the city. GEICO's average annual premium is $364 cheaper than Allstate's $772, which is the most expensive in Eugene for a comparable policy.

Minimum insurance policies are cheaper because they cover less. In an accident, you will be underinsured if you do not have comprehensive and collision coverages.

Check the table below to see how insurance rates change with increasing coverage limits.

Cheapest Minimum Liability Car Insurance in Eugene
State Minimum

Oregon requires drivers by law to carry a minimum of 25/50/20 liability insurance. This type of policy in Eugene may be the cheapest, but it also provides the least protection. With the least amount of coverage, you risk incurring additional costs if you cause an accident.

For instance, if you cause $100,000 in bodily harm to the other driver and passengers in an accident, your insurance will cover only $50,000, leaving you personally liable for the remaining $50,000.

Oregon Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $15,000 per person.

Cheapest Car Insurance in Eugene if You Have Driving Violations

Traffic violations like speeding or getting charged with a DUI in Eugene might raise your vehicle insurance rates. The same is true if you’re found at-fault in an accident. The city's cheapest insurance premiums, based on the most common traffic violations, are:

  • Cheapest after a ticket: State Farm, $833 per year
  • Cheapest after an at-fault accident: State Farm, $981 per year
  • Cheapest after a DUI: State Farm, $833 per year

Although USAA's insurance premiums are the most affordable for drivers with speeding tickets or an at-fault accident, the policies are exclusively available to military members.

Regardless of the traffic violation, maintaining a good driving record might help lower your future insurance premiums. Meanwhile, compare insurance quotes from other companies to find the best deal for bad drivers.

Cheapest Car Insurance in Eugene With a Violation
Speeding Ticket

Average Cost of Car Insurance in Eugene

Eugene$847
Oregon$1,181
U.S.$1,424

The average car insurance rates in Eugene are lower than the state and national averages.

Auto insurance companies in Eugene charge an average of $847 per year for coverage. This is 28.3% less than the average rate in Oregon and 40.5% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Eugene

The average car insurance rates in Eugene depend on various factors, including your gender, location, coverage level, age, miles driven per year and more.

For example, a 40-year-old male driver in Eugene could pay an average of $701 per year for a policy with Progressive. This rate may change as the driver gets older.

The best way to find the cheapest rates is to compare auto insurance quotes regularly since your premiums will differ as your life circumstances change.

Compare Car Insurance Rates in Eugene

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Eugene

MoneyGeek compared the car insurance providers in Eugene based on their service and affordability. As per MoneyGeek, the following insurance providers are the city's best:

  • The Hartford: MoneyGeek score of 93 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

With a perfect score of 100 out of 100, USAA was unquestionably the clear winner in Eugene. However, the company was excluded from the best list since it only provides insurance to military personnel and their dependents.

MoneyGeek did this study with the help of J.D. Power's ratings for affordability, customer satisfaction and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:92.5

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:77.5

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

Your car insurance rates in Eugene may differ from the city’s average depending on where you live. This is because statistics on uninsured motorists, accidents and thefts can vary between ZIP codes.

In Eugene, drivers from ZIP code 97405 pay an average of $12 less per year than residents living in the 97401 neighborhood.

  • Zip Code
    State Minimumper year
  • 97405
    $841
  • 97401
    $846
  • 97402
    $853

Factors That Impact Insurance Costs in Eugene

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Eugene. How Eugene ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities242nd/300
handcuffs2 icon
Most Car Thefts91st/300
uninsured icon
Most Uninsured Motorists by State21st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall67th/300
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Most Rainy Days20th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Eugene are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.