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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The Cheapest and Best Car Insurance in Eugene

The Cheapest Car Insurance Companies in Eugene

In Eugene, the companies offering the cheapest, full-coverage policy on average include:

  • USAA: $614 per year (available for former and current military members only)
  • Progressive: $701 per year

In Eugene, the cheapest car insurance company is USAA. On average, the lowest-priced policy with USAA costs $614 per year. This is 86.3% less than the most expensive company in Eugene, Allstate. However, USAA policies are only available to members of the military, veterans and their eligible family members.

If you do not qualify for a policy with USAA, Progressive offers the most affordable rates. Drivers who have a policy with Progressive pay an average annual premium of $701. This is 63.2% less than Allstate’s rates.

MoneyGeek gathered prices based on a sample driver profile. It looked at a full coverage policy that includes liability insurance and comprehensive and collision insurance for a 40-year-old male.

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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.

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The Best Car Insurance Companies in Eugene

For drivers in Eugene looking to balance both quality and cost, MoneyGeek analyzed the best car insurance companies in the area. They include:

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

USAA received the highest score in Eugene by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek gathered these scores based on J.D. power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:93

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:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:78

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

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 car insurance quotes regularly since your premiums will differ as your life circumstances change.

Shopping around for car insurance in Eugene could save you $146, which is enough to buy:


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49Cups of Coffee
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11Months of Your Favorite Streaming Service

Cheapest Car Insurance in Eugene by Coverage Amount

Be it in Eugene or other cities in the country, the amount of coverage purchased is a significant factor that determines the price. For instance, a policy meeting the Oregon state minimum costs just $551 on average. On the other hand, policies with higher liability limits costs $847 on average. This is a difference of $295.

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.

When it comes to selecting the best car insurance in Eugene drivers have several coverage options. If you are looking for the cheapest car insurance, a liability-only plan could be the best option for you.

A liability-only plan will cover the costs of the other driver if you cause an accident. Opting for a full-coverage plan means that both your costs and the other driver’s costs are covered if you are responsible for causing an accident. However, you will pay higher premiums.

USAA offers the cheapest liability-only and full-coverage plans for eligible policyholders. A 50/100/50 full-coverage plan with USAA costs $177 more than a liability-only policy. The 50/100/50 means that you can get $50,000 in medical coverage per person, up to $100,000 total per accident and $50,000 in property damage costs. For drivers who do not qualify for USAA, a 50/100/50 full-coverage plan from GEICO costs $169 more than a liability-only policy.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Eugene if You Have Driving Violations

Having a clean driving history can help you keep your car insurance rates low. Driving under the influence, having speeding tickets or at-fault accidents can increase your premium.

For example, drivers in Eugene with a State Farm policy could pay $74 per year more if they have a speeding ticket or DUI on their record. They might pay $222 more per year if they have an at-fault accident recorded in their driving history.

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
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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.

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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.