Cheapest and Best Car Insurance Companies in Eugene, OR


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Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Eugene, OR

Why Trust MoneyGeek? We utilized information from credible sources, including Quadrant Information Services and the Oregon department of insurance. Using these data, we selected the best cheap insurance provider based on our unique ranking system.

51,654Quotes Analyzed
 
13Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$346Monthly Premium$29
Country FinancialAnnual Premium$430Monthly Premium$36
ProgressiveAnnual Premium$467Monthly Premium$39
TravelersAnnual Premium$467Monthly Premium$39
Capital Insurance GroupAnnual Premium$476Monthly Premium$40
GEICOAnnual Premium$494Monthly Premium$41
NationwideAnnual Premium$556Monthly Premium$46
KemperAnnual Premium$589Monthly Premium$49

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$632Monthly Premium$53
NationwideAnnual Premium$761Monthly Premium$63
Country FinancialAnnual Premium$763Monthly Premium$64
TravelersAnnual Premium$834Monthly Premium$70
GEICOAnnual Premium$912Monthly Premium$76
ProgressiveAnnual Premium$927Monthly Premium$77
American FamilyAnnual Premium$933Monthly Premium$78
Capital Insurance GroupAnnual Premium$1,032Monthly Premium$86

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$709Monthly Premium$59
NationwideAnnual Premium$934Monthly Premium$78
Country FinancialAnnual Premium$999Monthly Premium$83
American FamilyAnnual Premium$1,105Monthly Premium$92
TravelersAnnual Premium$1,131Monthly Premium$94
ProgressiveAnnual Premium$1,224Monthly Premium$102
Capital Insurance GroupAnnual Premium$1,229Monthly Premium$102
GEICOAnnual Premium$1,250Monthly Premium$104

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,061Individual Plan Monthly Premium$4,604
State FarmFamily Plan Annual Premium$1,082Individual Plan Monthly Premium$3,885
AllstateFamily Plan Annual Premium$1,282Individual Plan Monthly Premium$8,409
TravelersFamily Plan Annual Premium$1,427Individual Plan Monthly Premium$5,743
KemperFamily Plan Annual Premium$1,491Individual Plan Monthly Premium$7,431
ProgressiveFamily Plan Annual Premium$1,789Individual Plan Monthly Premium$10,694
FarmersFamily Plan Annual Premium$1,859Individual Plan Monthly Premium$12,579
GEICOFamily Plan Annual Premium$1,970Individual Plan Monthly Premium$11,255

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$632Monthly Premium$53
NationwideAnnual Premium$761Monthly Premium$63
Country FinancialAnnual Premium$763Monthly Premium$64
USAAAnnual Premium$765Monthly Premium$64
TravelersAnnual Premium$834Monthly Premium$70
GEICOAnnual Premium$912Monthly Premium$76
ProgressiveAnnual Premium$927Monthly Premium$77
American FamilyAnnual Premium$933Monthly Premium$78

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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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 12, 2024

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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

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Has the second-highest customer satisfaction rating

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Offers the second-most affordable rates

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Provides glass deductible modification, portable electronics and media coverage, new car replacement and roadside assistance

cons

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Has a relatively low rating for claims management

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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

checkmark

Has the highest ratings for customer service and claims management

checkmark

Offers custom parts and full glass coverage

cons

close

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

checkmark

Has the second-cheapest rates at $430 per year

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Has a high rating for customer satisfaction

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Provides bundling and anti-theft system discounts

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Offers rare discounts, including marriage, nurse and occupation discounts

cons

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Does not offer distant student, airbag, paperless or anti-theft system discounts

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.