Compare Eugene, OR Car Insurance Rates (2021)

Car insurance in Eugene, OR averages $259 a month. Eugene, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Eugene car insurance rates, compare quotes from the top car insurance companies in Eugene, OR.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Eugene for teen drivers is USAA
  • Average car insurance rates in Eugene, OR are $3,113/year
  • Average car insurance rates in Eugene, OR after a DUI are $3,665/year

If you need to buy Eugene, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Eugene, OR is right here.

You’ll find Eugene car insurance rates, the cheapest Eugene, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Eugene, Oregon car insurance rates to Beaverton car insurance rates, Salem car insurance rates, and Eugene car insurance rates.

Ready to find affordable Eugene, OR car insurance today? Enter your ZIP code for fast, free Eugene car insurance quotes.

Cheapest Eugene, OR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Eugene, OR car insurance rates? Every Eugene, Oregon car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Eugene, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,595 $2,420 $2,380 $2,405 $7,755 $8,644 $2,712 $2,718
American Family $2,061 $2,061 $1,838 $1,838 $5,084 $7,978 $2,061 $2,158
Farmers $1,901 $1,853 $1,679 $1,788 $7,848 $8,006 $2,120 $2,162
GEICO $2,130 $2,059 $1,996 $2,017 $5,523 $5,017 $2,266 $1,944
Liberty Mutual $2,576 $2,716 $2,235 $2,486 $8,458 $9,140 $2,477 $2,494
Nationwide $1,955 $1,946 $1,746 $1,823 $4,493 $5,609 $2,281 $2,402
Progressive $1,720 $1,557 $1,498 $1,542 $7,416 $8,158 $2,049 $1,934
State Farm $1,547 $1,547 $1,420 $1,420 $4,964 $6,228 $1,756 $2,014
Travelers $1,663 $1,674 $1,503 $1,562 $4,694 $5,687 $1,735 $1,762
USAA $1,566 $1,517 $1,557 $1,498 $4,776 $5,113 $2,011 $2,082

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Minimum Car Insurance in Eugene, OR

Every driver must carry the minimum car insurance in Eugene, OR. Take a look at the Oregon car insurance requirements.

Minimum Required Car Insurance Coverage in Eugene, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Eugene, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Eugene, OR. Compare credit history car insurance rates in Eugene from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Eugene, Oregon

Insurance Company Poor Fair Good
Allstate $5,179 $3,657 $3,025
American Family $3,976 $2,940 $2,489
Farmers $3,955 $3,237 $3,067
GEICO $3,459 $2,869 $2,279
Liberty Mutual $5,952 $3,534 $2,733
Nationwide $3,353 $2,671 $2,322
Progressive $3,628 $3,144 $2,932
State Farm $3,648 $2,327 $1,861
Travelers $3,162 $2,487 $1,956
USAA $3,768 $2,102 $1,675

Cheapest Eugene, OR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Eugene, OR to rates for a clean record with top companies.

Annual Eugene, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,192 $4,289 $4,444 $3,890
American Family $2,177 $3,366 $4,207 $2,789
Farmers $2,885 $3,717 $3,636 $3,441
GEICO $1,886 $3,016 $3,980 $2,594
Liberty Mutual $3,609 $4,041 $4,634 $4,008
Nationwide $2,367 $2,531 $3,559 $2,670
Progressive $2,447 $4,442 $3,142 $2,906
State Farm $2,312 $3,031 $2,552 $2,552
Travelers $2,059 $2,634 $2,941 $2,507
USAA $1,824 $2,548 $3,551 $2,136

Cheapest Eugene, OR Car Insurance for Teen Drivers

Teen car insurance in Eugene, OR can be expensive. Take a look at rates from the top car insurance companies in Eugene for teenagers.

Annual Car Insurance Rates for Teen Drivers in Eugene, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,755 $8,644
American Family $5,084 $7,978
Farmers $7,848 $8,006
GEICO $5,523 $5,017
Liberty Mutual $8,458 $9,140
Nationwide $4,493 $5,609
Progressive $7,416 $8,158
State Farm $4,964 $6,228
Travelers $4,694 $5,687
USAA $4,776 $5,113

Cheapest Eugene, OR Car Insurance for Seniors

Take a look at Eugene, OR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Eugene, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,380 $2,405
American Family $1,838 $1,838
Farmers $1,679 $1,788
GEICO $1,996 $2,017
Liberty Mutual $2,235 $2,486
Nationwide $1,746 $1,823
Progressive $1,498 $1,542
State Farm $1,420 $1,420
Travelers $1,503 $1,562
USAA $1,557 $1,498

Cheapest Eugene, OR Car Insurance Rates After a DUI

A DUI in Eugene, OR increases car insurance rates. Compare Eugene, Oregon DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Eugene, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,444
American Family $4,207
Farmers $3,636
GEICO $3,980
Liberty Mutual $4,634
Nationwide $3,559
Progressive $3,142
State Farm $2,552
Travelers $2,941
USAA $3,551

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Cheapest Eugene, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Eugene, OR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Eugene, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,953 $3,953
American Family $3,087 $3,183
Farmers $3,420 $3,420
GEICO $2,823 $2,914
Liberty Mutual $4,073 $4,073
Nationwide $2,782 $2,782
Progressive $3,234 $3,234
State Farm $2,544 $2,680
Travelers $2,435 $2,636
USAA $2,443 $2,587

Cheapest Eugene, OR Car Insurance Rates by ZIP Code

Eugene car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Eugene, OR.

Annual Car Insurance Rates by ZIP Code in Eugene, Oregon

ZIP Code Average Annual Rates
97401 $2,890
97402 $2,929
97403 $2,909
97404 $2,923
97405 $2,944

The Best Cheap Car Insurance Companies in Eugene, OR

Take a look at a side-by-side comparison of the top car insurance companies in Eugene, OR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Eugene, Oregon

Insurance Company Average Annual Rates
Allstate $3,953
American Family $3,135
Farmers $3,420
GEICO $2,869
Liberty Mutual $4,073
Nationwide $2,782
Progressive $3,234
State Farm $2,612
Travelers $2,535
USAA $2,515

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Category Winners: Cheapest Car Insurance in Eugene, Oregon

Find the cheapest car insurance companies in Eugene, OR for each category right here.

Best Annual Car Insurance Rates by Company in Eugene, Oregon

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Eugene, OR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Eugene car insurance rates. Find the cheapest Eugene, OR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Eugene, Oregon

Insurance Company Low Medium High
Allstate $3,794 $3,944 $4,123
American Family $3,113 $3,314 $2,978
Farmers $3,206 $3,375 $3,678
GEICO $2,618 $2,884 $3,104
Liberty Mutual $3,815 $4,063 $4,341
Nationwide $2,648 $2,858 $2,840
Progressive $3,121 $3,219 $3,363
State Farm $2,461 $2,616 $2,759
Travelers $2,390 $2,523 $2,693
USAA $2,404 $2,518 $2,624

What affects car insurance rates in Eugene, Oregon?

What factors can have an impact on Eugene, OR car insurance? There are several reasons why Eugene car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Eugene, Oregon.

Car Theft in Eugene

High levels of vehicle theft can make car insurance more expensive. Eugene, OR car theft statistics from the FBI indicate 542 vehicle thefts a year.

Commute Time in Eugene

The more time you spend in your car the higher the risk of an accident. The average commute length in Eugene, OR is 18.6 minutes according to City-Data.

Traffic in Eugene

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Eugene, OR traffic data from INRIX ranks Eugene as the 632nd-most congested in the world.

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Compare Car Insurance Quotes in Eugene, OR

Ready to find affordable Eugene, Oregon car insurance today? Enter your ZIP code for fast, free Eugene, OR car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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