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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$328

$27

State Farm

$346

$29

State Farm

$375

$31

Country Financial

$430

$36

Country Financial

$432

$36

Capital Insurance Group

$436

$36

GEICO

$437

$36

Progressive

$467

$39

Travelers

$467

$39

Progressive

$473

$39

Capital Insurance Group

$476

$40

Travelers

$478

$40

GEICO

$494

$41

Progressive

$507

$42

Travelers

$508

$42

Nationwide

$541

$45

GEICO

$556

$46

Nationwide

$556

$46

Country Financial

$564

$47

Capital Insurance Group

$570

$48

Kemper

$570

$48

Kemper

$589

$49

State Farm

$591

$49

Farmers

$607

$51

State Farm

$632

$53

Kemper

$636

$53

American Family

$646

$54

American Family

$647

$54

Nationwide

$662

$55

Farmers

$675

$56

Farmers

$684

$57

American Family

$713

$59

Nationwide

$715

$60

State Farm

$728

$61

Country Financial

$739

$62

Nationwide

$761

$63

Country Financial

$763

$64

GEICO

$772

$64

Allstate

$795

$66

Allstate

$798

$66

Travelers

$827

$69

Travelers

$834

$70

Allstate

$853

$71

American Family

$900

$75

Progressive

$903

$75

GEICO

$912

$76

Nationwide

$920

$77

Progressive

$927

$77

Capital Insurance Group

$927

$77

American Family

$933

$78

Travelers

$950

$79

Country Financial

$998

$83

American Family

$1,023

$85

Capital Insurance Group

$1,032

$86

Farmers

$1,035

$86

GEICO

$1,038

$86

Kemper

$1,041

$87

Progressive

$1,081

$90

Kemper

$1,100

$92

Farmers

$1,102

$92

Kemper

$1,128

$94

Farmers

$1,158

$97

Allstate

$1,177

$98

Allstate

$1,226

$102

Allstate

$1,243

$104

Capital Insurance Group

$1,420

$118

Dairyland

$1,512

$126

Dairyland

$1,557

$130

Dairyland

$1,704

$142

Dairyland

$2,410

$201

Dairyland

$2,487

$207

Dairyland

$2,748

$229

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.

Company
Annual Premium
Monthly Premium

State Farm

$328

$27

State Farm

$346

$29

State Farm

$375

$31

Country Financial

$430

$36

Country Financial

$432

$36

Capital Insurance Group

$436

$36

GEICO

$437

$36

Progressive

$467

$39

Travelers

$467

$39

Progressive

$473

$39

Capital Insurance Group

$476

$40

Travelers

$478

$40

GEICO

$494

$41

Progressive

$507

$42

Travelers

$508

$42

Nationwide

$541

$45

GEICO

$556

$46

Nationwide

$556

$46

Country Financial

$564

$47

Capital Insurance Group

$570

$48

Kemper

$570

$48

Kemper

$589

$49

State Farm

$591

$49

Farmers

$607

$51

State Farm

$632

$53

Kemper

$636

$53

American Family

$646

$54

American Family

$647

$54

Nationwide

$662

$55

Farmers

$675

$56

Farmers

$684

$57

American Family

$713

$59

Nationwide

$715

$60

State Farm

$728

$61

Country Financial

$739

$62

Nationwide

$761

$63

Country Financial

$763

$64

GEICO

$772

$64

Allstate

$795

$66

Allstate

$798

$66

Travelers

$827

$69

Travelers

$834

$70

Allstate

$853

$71

American Family

$900

$75

Progressive

$903

$75

GEICO

$912

$76

Nationwide

$920

$77

Progressive

$927

$77

Capital Insurance Group

$927

$77

American Family

$933

$78

Travelers

$950

$79

Country Financial

$998

$83

American Family

$1,023

$85

Capital Insurance Group

$1,032

$86

Farmers

$1,035

$86

GEICO

$1,038

$86

Kemper

$1,041

$87

Progressive

$1,081

$90

Kemper

$1,100

$92

Farmers

$1,102

$92

Kemper

$1,128

$94

Farmers

$1,158

$97

Allstate

$1,177

$98

Allstate

$1,226

$102

Allstate

$1,243

$104

Capital Insurance Group

$1,420

$118

Dairyland

$1,512

$126

Dairyland

$1,557

$130

Dairyland

$1,704

$142

Dairyland

$2,410

$201

Dairyland

$2,487

$207

Dairyland

$2,748

$229

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$371

$31

State Farm

$371

$31

State Farm

$394

$33

State Farm

$394

$33

State Farm

$425

$35

State Farm

$425

$35

State Farm

$440

$37

State Farm

$467

$39

Capital Insurance Group

$481

$40

State Farm

$505

$42

Capital Insurance Group

$516

$43

Capital Insurance Group

$527

$44

Progressive

$539

$45

Capital Insurance Group

$567

$47

Country Financial

$571

$48

Progressive

$572

$48

Country Financial

$574

$48

Progressive

$584

$49

Progressive

$590

$49

Capital Insurance Group

$607

$51

Travelers

$619

$52

Progressive

$631

$53

Travelers

$632

$53

Progressive

$634

$53

Capital Insurance Group

$644

$54

GEICO

$650

$54

Travelers

$653

$54

Nationwide

$653

$54

Country Financial

$657

$55

State Farm

$662

$55

State Farm

$662

$55

Nationwide

$664

$55

Travelers

$668

$56

Nationwide

$672

$56

Travelers

$673

$56

Capital Insurance Group

$675

$56

Country Financial

$678

$56

Country Financial

$681

$57

Nationwide

$686

$57

Country Financial

$688

$57

State Farm

$709

$59

State Farm

$709

$59

Travelers

$710

$59

Kemper

$713

$59

Capital Insurance Group

$714

$60

GEICO

$718

$60

Travelers

$729

$61

Kemper

$733

$61

Farmers

$737

$61

Travelers

$745

$62

GEICO

$746

$62

Country Financial

$755

$63

American Family

$761

$63

American Family

$761

$63

American Family

$762

$64

American Family

$762

$64

Progressive

$767

$64

State Farm

$774

$65

American Family

$783

$65

American Family

$783

$65

Nationwide

$788

$66

Travelers

$790

$66

Kemper

$794

$66

Kemper

$798

$67

GEICO

$804

$67

Farmers

$806

$67

State Farm

$819

$68

State Farm

$819

$68

Progressive

$820

$68

Kemper

$828

$69

State Farm

$829

$69

Farmers

$830

$69

Progressive

$835

$70

Nationwide

$835

$70

Capital Insurance Group

$840

$70

American Family

$844

$70

American Family

$844

$70

Country Financial

$851

$71

Farmers

$861

$72

American Family

$865

$72

Nationwide

$878

$73

Farmers

$887

$74

Allstate

$888

$74

Allstate

$889

$74

Nationwide

$891

$74

GEICO

$895

$75

Farmers

$901

$75

Country Financial

$903

$75

Kemper

$903

$75

Farmers

$934

$78

Nationwide

$934

$78

GEICO

$946

$79

Nationwide

$956

$80

State Farm

$960

$80

Allstate

$960

$80

Allstate

$962

$80

Allstate

$963

$80

Country Financial

$966

$81

Nationwide

$969

$81

Nationwide

$992

$83

Country Financial

$999

$83

Farmers

$1,002

$84

Farmers

$1,027

$86

Allstate

$1,044

$87

GEICO

$1,045

$87

GEICO

$1,053

$88

American Family

$1,065

$89

American Family

$1,065

$89

Allstate

$1,070

$89

Allstate

$1,073

$89

Progressive

$1,084

$90

American Family

$1,105

$92

American Family

$1,105

$92

Nationwide

$1,106

$92

Capital Insurance Group

$1,108

$92

American Family

$1,113

$93

Progressive

$1,113

$93

Country Financial

$1,127

$94

Country Financial

$1,130

$94

Travelers

$1,131

$94

Country Financial

$1,132

$94

Nationwide

$1,141

$95

American Family

$1,155

$96

Country Financial

$1,166

$97

Allstate

$1,168

$97

Nationwide

$1,179

$98

Travelers

$1,183

$99

Travelers

$1,189

$99

Capital Insurance Group

$1,200

$100

Travelers

$1,205

$100

American Family

$1,218

$101

American Family

$1,218

$101

Progressive

$1,224

$102

Capital Insurance Group

$1,229

$102

Progressive

$1,246

$104

Travelers

$1,247

$104

GEICO

$1,250

$104

Travelers

$1,260

$105

Progressive

$1,268

$106

GEICO

$1,274

$106

American Family

$1,274

$106

Farmers

$1,290

$108

Kemper

$1,297

$108

Travelers

$1,312

$109

Kemper

$1,313

$109

Country Financial

$1,320

$110

Capital Insurance Group

$1,335

$111

Nationwide

$1,337

$111

Capital Insurance Group

$1,340

$112

Allstate

$1,347

$112

Kemper

$1,362

$114

Kemper

$1,374

$115

Travelers

$1,382

$115

GEICO

$1,383

$115

Progressive

$1,388

$116

Travelers

$1,396

$116

Nationwide

$1,402

$117

Farmers

$1,410

$118

Allstate

$1,411

$118

Kemper

$1,412

$118

Farmers

$1,415

$118

GEICO

$1,425

$119

Allstate

$1,435

$120

Farmers

$1,441

$120

Kemper

$1,447

$121

Farmers

$1,461

$122

Country Financial

$1,473

$123

Allstate

$1,482

$123

Kemper

$1,483

$124

Capital Insurance Group

$1,496

$125

Kemper

$1,520

$127

GEICO

$1,528

$127

Farmers

$1,537

$128

Country Financial

$1,555

$130

Allstate

$1,558

$130

Kemper

$1,582

$132

Progressive

$1,583

$132

Allstate

$1,588

$132

Farmers

$1,590

$133

Farmers

$1,593

$133

Nationwide

$1,625

$135

Dairyland

$1,637

$136

Allstate

$1,640

$137

Farmers

$1,641

$137

Progressive

$1,661

$138

Dairyland

$1,687

$141

GEICO

$1,690

$141

Allstate

$1,719

$143

Capital Insurance Group

$1,745

$145

GEICO

$1,760

$147

Allstate

$1,760

$147

Progressive

$1,777

$148

Dairyland

$1,833

$153

Dairyland

$1,860

$155

Dairyland

$1,862

$155

Dairyland

$1,912

$159

Dairyland

$1,913

$159

Capital Insurance Group

$1,926

$161

GEICO

$1,957

$163

GEICO

$2,011

$168

Dairyland

$2,017

$168

Dairyland

$2,074

$173

Capital Insurance Group

$2,146

$179

GEICO

$2,333

$194

Kemper

$2,406

$201

Kemper

$2,527

$211

Kemper

$2,627

$219

Dairyland

$2,664

$222

Dairyland

$2,750

$229

Dairyland

$2,893

$241

Dairyland

$2,948

$246

Dairyland

$2,978

$248

Dairyland

$3,037

$253

Dairyland

$3,069

$256

Dairyland

$3,246

$270

Dairyland

$3,345

$279

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$564

$1,354

State Farm

$627

$1,505

Travelers

$640

$1,489

State Farm

$644

$1,512

Nationwide

$652

$1,456

Nationwide

$655

$1,509

State Farm

$660

$1,834

Travelers

$673

$1,521

Nationwide

$674

$2,022

State Farm

$685

$1,644

Nationwide

$692

$2,155

State Farm

$711

$1,993

Kemper

$720

$1,984

State Farm

$728

$1,708

Nationwide

$730

$1,630

Travelers

$736

$1,712

Travelers

$738

$1,894

Nationwide

$746

$1,717

Nationwide

$748

$1,890

Travelers

$759

$1,766

Nationwide

$764

$2,003

Nationwide

$767

$1,713

State Farm

$773

$2,149

Nationwide

$786

$1,808

Travelers

$790

$1,787

State Farm

$806

$1,892

Travelers

$813

$2,123

State Farm

$818

$2,589

State Farm

$818

$2,291

Travelers

$828

$2,072

Kemper

$830

$2,118

Travelers

$851

$1,923

State Farm

$869

$2,391

Kemper

$880

$3,002

Kemper

$883

$3,518

Allstate

$900

$1,932

Farmers

$917

$2,003

Allstate

$924

$2,580

Allstate

$933

$1,887

Travelers

$937

$2,355

State Farm

$940

$2,970

Nationwide

$946

$3,554

Farmers

$962

$2,163

Travelers

$973

$2,435

Travelers

$976

$2,818

Nationwide

$977

$2,929

Allstate

$983

$2,753

Allstate

$994

$2,134

Nationwide

$1,002

$4,026

Nationwide

$1,003

$4,153

Nationwide

$1,021

$3,181

State Farm

$1,022

$3,229

State Farm

$1,023

$2,814

Allstate

$1,035

$2,520

Progressive

$1,043

$1,681

Allstate

$1,052

$6,010

Nationwide

$1,061

$4,604

Nationwide

$1,068

$4,424

Allstate

$1,069

$2,162

Allstate

$1,070

$2,297

Nationwide

$1,075

$4,668

State Farm

$1,076

$3,399

State Farm

$1,082

$3,885

Kemper

$1,090

$3,002

Allstate

$1,100

$2,510

Travelers

$1,104

$3,498

Progressive

$1,110

$2,631

Allstate

$1,119

$3,666

Allstate

$1,119

$3,123

Travelers

$1,124

$2,826

Travelers

$1,129

$3,333

Kemper

$1,129

$4,994

Progressive

$1,131

$1,748

Kemper

$1,138

$3,518

Nationwide

$1,138

$5,179

GEICO

$1,145

$2,100

GEICO

$1,146

$1,737

Nationwide

$1,146

$4,974

Allstate

$1,155

$2,335

GEICO

$1,164

$1,765

GEICO

$1,172

$2,816

GEICO

$1,172

$2,151

Kemper

$1,176

$3,002

Kemper

$1,176

$3,002

Allstate

$1,180

$6,531

Progressive

$1,183

$2,878

GEICO

$1,184

$2,404

State Farm

$1,188

$3,708

Allstate

$1,213

$3,852

GEICO

$1,218

$4,506

GEICO

$1,226

$2,248

GEICO

$1,228

$1,862

GEICO

$1,232

$2,541

GEICO

$1,243

$2,174

Progressive

$1,244

$2,006

Capital Insurance Group

$1,253

$2,077

Kemper

$1,258

$4,936

GEICO

$1,270

$4,269

Progressive

$1,273

$1,967

Kemper

$1,277

$3,518

Kemper

$1,277

$3,518

Allstate

$1,279

$3,581

Allstate

$1,282

$8,409

Progressive

$1,306

$2,524

Capital Insurance Group

$1,308

$2,168

Capital Insurance Group

$1,315

$2,188

Travelers

$1,318

$4,211

Progressive

$1,321

$3,538

Allstate

$1,321

$7,545

Progressive

$1,342

$2,449

Allstate

$1,343

$7,615

Kemper

$1,344

$6,271

Progressive

$1,361

$3,226

State Farm

$1,364

$4,259

Travelers

$1,365

$4,328

State Farm

$1,370

$4,864

Progressive

$1,370

$2,209

Capital Insurance Group

$1,373

$2,482

Progressive

$1,376

$2,126

Capital Insurance Group

$1,377

$2,291

Farmers

$1,397

$1,788

Kemper

$1,405

$6,327

Farmers

$1,414

$1,809

Travelers

$1,427

$5,743

Farmers

$1,428

$1,827

GEICO

$1,428

$3,908

Farmers

$1,434

$1,913

Capital Insurance Group

$1,435

$2,379

Farmers

$1,437

$1,862

Capital Insurance Group

$1,440

$2,602

Progressive

$1,440

$3,983

Kemper

$1,447

$4,936

Farmers

$1,459

$1,890

GEICO

$1,467

$3,413

Allstate

$1,474

$8,159

Farmers

$1,476

$1,913

GEICO

$1,487

$3,572

Kemper

$1,491

$7,431

Farmers

$1,491

$2,063

Farmers

$1,494

$4,040

Progressive

$1,500

$7,644

Progressive

$1,500

$3,650

Capital Insurance Group

$1,504

$2,502

Farmers

$1,533

$4,233

GEICO

$1,537

$3,122

GEICO

$1,543

$5,189

Kemper

$1,548

$7,314

Farmers

$1,559

$8,529

Kemper

$1,574

$6,271

Capital Insurance Group

$1,577

$2,611

Kemper

$1,613

$7,263

Progressive

$1,622

$8,454

Farmers

$1,623

$8,968

Capital Insurance Group

$1,637

$2,711

GEICO

$1,647

$6,092

Capital Insurance Group

$1,652

$2,743

Travelers

$1,658

$5,300

Kemper

$1,664

$7,361

Capital Insurance Group

$1,683

$3,042

Farmers

$1,714

$3,745

Capital Insurance Group

$1,715

$2,849

Farmers

$1,721

$9,417

Travelers

$1,745

$7,218

Farmers

$1,756

$3,950

Capital Insurance Group

$1,761

$3,183

Progressive

$1,768

$9,007

Progressive

$1,789

$10,694

Farmers

$1,802

$9,961

Capital Insurance Group

$1,810

$3,306

Farmers

$1,859

$12,579

Progressive

$1,880

$9,796

Capital Insurance Group

$1,897

$3,468

Progressive

$1,907

$11,570

Farmers

$1,942

$13,273

GEICO

$1,970

$11,255

GEICO

$2,062

$11,341

Capital Insurance Group

$2,128

$3,887

Capital Insurance Group

$2,230

$4,078

Capital Insurance Group

$2,420

$6,070

Capital Insurance Group

$2,537

$6,372

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.

Company
Annual Premium
Monthly Premium

State Farm

$328

$27

State Farm

$346

$29

State Farm

$375

$31

Country Financial

$430

$36

Country Financial

$432

$36

USAA

$433

$36

Capital Insurance Group

$436

$36

GEICO

$437

$36

USAA

$458

$38

Progressive

$467

$39

Travelers

$467

$39

Progressive

$473

$39

Capital Insurance Group

$476

$40

Travelers

$478

$40

GEICO

$494

$41

Progressive

$507

$42

Travelers

$508

$42

USAA

$512

$43

Nationwide

$541

$45

GEICO

$556

$46

Nationwide

$556

$46

Country Financial

$564

$47

Capital Insurance Group

$570

$48

Kemper

$570

$48

Kemper

$589

$49

State Farm

$591

$49

Farmers

$607

$51

State Farm

$632

$53

Kemper

$636

$53

American Family

$646

$54

American Family

$647

$54

Nationwide

$662

$55

Farmers

$675

$56

Farmers

$684

$57

American Family

$713

$59

Nationwide

$715

$60

State Farm

$728

$61

Country Financial

$739

$62

Nationwide

$761

$63

Country Financial

$763

$64

USAA

$765

$64

GEICO

$772

$64

USAA

$778

$65

Allstate

$795

$66

Allstate

$798

$66

Travelers

$827

$69

Travelers

$834

$70

Allstate

$853

$71

American Family

$900

$75

Progressive

$903

$75

GEICO

$912

$76

USAA

$913

$76

Nationwide

$920

$77

Progressive

$927

$77

Capital Insurance Group

$927

$77

American Family

$933

$78

Travelers

$950

$79

Country Financial

$998

$83

American Family

$1,023

$85

Capital Insurance Group

$1,032

$86

Farmers

$1,035

$86

GEICO

$1,038

$86

Kemper

$1,041

$87

Progressive

$1,081

$90

Kemper

$1,100

$92

Farmers

$1,102

$92

Kemper

$1,128

$94

Farmers

$1,158

$97

Allstate

$1,177

$98

Allstate

$1,226

$102

Allstate

$1,243

$104

Capital Insurance Group

$1,420

$118

Dairyland

$1,512

$126

Dairyland

$1,557

$130

Dairyland

$1,704

$142

Dairyland

$2,410

$201

Dairyland

$2,487

$207

Dairyland

$2,748

$229

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.

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USAA

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?

Country Financial

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.

Read MoneyGeek's Country Financial Auto Insurance Review

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?

Capital Insurance Group

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?

Country Financial

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%.

Read MoneyGeek's Country Financial Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.