Cheapest and Best Car Insurance Companies in Eugene, OR

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.