Cheapest and Best Car Insurance in Eugene, OR (August 2024)

Progressive offers the best rates for minimum coverage in Eugene, Oregon, while Capital Insurance Group has the lowest rates for full coverage. For families with teens, Nationwide is the most affordable. Capital Insurance Group also ranks highest in customer service, making it the top choice for value. The best option for you depends on your needs and preferences.

Progressive offers the cheapest car insurance in Eugene, followed by COUNTRY Financial.

• Progressive: $475 per year
• COUNTRY Financial: $479 per year

Dairyland has the most expensive policy at $2,253 annually, higher by $1,778 than the cheapest insurer. Compare rates for car insurance to get the best deal.

In Oregon, state law sets these car insurance requirements:

• $25,000 for bodily injury per person
  
• $50,000 for bodily injury per accident
  
• $20,000 for property damage liability per accident
  
• $25,000 for uninsured motorist bodily injury per person
  
• $50,000 for uninsured motorist bodily injury per accident
  
• $15,000 for personal injury protection per person
  

For example, your policy would cover up to $25,000 for one person's injuries in an accident. If the total injuries reach $50,000, you’d have to pay any amount over that. These are minimums; extra coverage can provide more protection.

Capital Insurance Group offers the cheapest full coverage car insurance in Eugene.

• Capital Insurance Group: $893 per year
• Travelers: $894 per year

Dairyland has the highest full coverage policy at $3,418 per year, which is $2,525 more than the cheapest option. This highlights the importance of comparing rates, as full coverage policies cost more due to their additional protection.

Our sample full coverage policy in Eugene boosts liability coverage to $100,000 for individual bodily injury, $300,000 per accident for bodily injuries and $100,000 for property damage. This is known as the 100/300/100 policy.

Full coverage also includes these insurance types:

• Collision insurance covers vehicle repair costs after collisions, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive insurance provides financial protection from theft, weather damage, vandalism, fires, natural disasters and hitting animals like deer.

Full coverage insurance is typically required if you lease or finance a car. For new vehicles, full coverage provides financial protection for your investment. However, the additional protection may not justify the higher cost for older vehicles. Finding the right amount of car insurance involves balancing coverage against premiums to prepare for unexpected expenses.

Capital Insurance Group is the cheapest option for drivers in Eugene with speeding and at-fault accident violations, while Progressive offers the most competitive rates for a DUI. Here are the companies offering the lowest premiums for various driving offenses:

• Speeding ticket: Capital Insurance Group ($1,046 per year)
• At-fault accident: Capital Insurance Group ($1,139 per year)
• DUI: Progressive ($1,154 per year)

Dairyland consistently charges the highest rates for drivers with a poor driving record in Eugene. The difference between the cheapest rates after a speeding ticket with Capital Insurance Group and after a DUI with Progressive is $108, illustrating how different violations can impact car insurance rates.

Auto insurance premiums rise with the severity of driving offenses. For example, drivers with a speeding ticket pay an average of $2,030 per year, compared to $2,348 for those with a DUI. This shows how important it is for drivers with infractions to compare insurance rates, as finding the right policy can save them a lot.

Nationwide offers the cheapest car insurance for teens in Eugene. Here are the providers with the most affordable rates for a family with two parents and a teen driver:

• Nationwide: $1,061 per year for female teens and $1,138 per year for male teens
• State Farm: $1,082 per year for female teens
• Allstate: $1,343 per year for male teens

Capital Insurance Group has the highest annual premium for teen family policies, with policies for female teens costing up to $2,537. This highlights the need to shop around, as families with teen drivers — considered a higher risk — could save significantly by choosing a cheaper provider. For example, there’s a $1,476 difference between the least and most expensive options for female teen drivers.

Teen drivers in Eugene and across the U.S. face high car insurance costs. On average, an individual teen policy costs about $4,966 per year. However, adding a teen to a family policy lowers the rate to around $1,720 annually. Insurers charge teens more when they apply independently because of limited experience and higher accident rates. Teens often choose family plans since securing an individual policy can be challenging without strong finances or credit.

USAA has the cheapest car insurance for military backgrounds in Eugene.

• USAA: $810 per year
• Capital Insurance Group: $893 per year

USAA offers the most affordable coverage for active-duty military members in Oregon, providing tailored services and significant savings.

Comparing rates helps you save on car insurance in Eugene. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. Make the process more manageable with MoneyGeek's car insurance calculator. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Choosing the right auto insurance depends on how you prioritize factors like service, cost and coverage. Capital Insurance Group stands out in all categories with the highest MoneyGeek scores:

• Best overall: 91 out of 100
• Best for service: 84 out of 100
• Best cheap: 91 out of 100

The best cheap insurer is suitable for those who want savings without sacrificing too much in terms of service quality. If excellent service is your priority, choose the provider with the best customer service. For a balance of both, go with the best overall company.

Capital Insurance Group offers the best car insurance in Eugene.

• Capital Insurance Group: MoneyGeek score of 91 out of 100 ($893 per year)
• American Family: MoneyGeek score of 83 out of 100 ($977 per year)

Capital Insurance Group balances customer satisfaction, cost-effectiveness and reliable claims processing, providing drivers with comprehensive protection and peace of mind.

In Eugene, Capital Insurance Group ranks highest for customer service in car insurance.

• Capital Insurance Group: MoneyGeek score of 84 out of 100 ($893 per year)
• American Family: MoneyGeek score of 79 out of 100 ($977 per year)

Capital Insurance Group leads due to its superior customer satisfaction and claims handling, contributing to its top MoneyGeek score and strong position in the Eugene market.

Capital Insurance Group is the top choice in Eugene for affordable car insurance that maintains quality, offering a great mix of low cost and high customer satisfaction.

• Capital Insurance Group: MoneyGeek score of 91 out of 100 ($503 per year)
• American Family: MoneyGeek score of 83 out of 100 ($671 per year)

Capital Insurance Group combines affordability with excellent claims handling and customer satisfaction, making it a great value for minimum coverage.

In Eugene, the average car insurance cost is $1,160, which is $270 lower than Oregon's average of $1,430 and $621 below the national average of $1,781.

Location impacts insurance rates due to accident rates, thefts and traffic conditions. Rural areas often have lower rates because of less traffic. For instance, Eugene has the lowest premium in Oregon, while Portland's average is $1,744, resulting in a $584 difference.