Compare Eugene, OR Car Insurance Rates (2021)

The average cost of car insurance in Eugene, Oregon, is $259 per month or $3,112 annually. The cheapest Eugene, OR car insurance company is USAA, followed by Travelers. However, your unique Eugene, OR car insurance rates vary depending on your age, driving record, and coverage needs. By law, all Eugene drivers must carry the Oregon minimum car insurance limits of 25/50/20 in liability coverage, plus personal injury protection (PIP) and uninsured motorist coverage.

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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: Aug 5, 2021

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Here's What You Need to Know

  • The cheapest Eugene, OR car insurance company is USAA, followed by Travelers
  • Higher than average auto theft rates and minor traffic congestion impact the regional average Eugene, OR car insurance rates
  • Compared to other Oregon cities, Eugene car insurance costs are average

Eugene, Oregon car insurance costs $259 per month or $3,112 annually on average. However, your Eugene, OR car insurance rates depend on your age, driving record, and coverage needs.

Keep reading to compare average annual rates from top Eugene car insurance providers and learn how to secure cheap car insurance in your city.

Monthly Eugene, OR Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Eugene, OR auto insurance rates by ZIP Code below:

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Eugene, OR Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Eugene, OR against other top US metro areas’ auto insurance costs.

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When you’re ready to find the best Eugene, OR car insurance company for you, enter your ZIP code into our free quote tool above and start comparison shopping.

What is the cheapest car insurance company in Eugene, OR?

The cheapest Eugene, OR car insurance company is USAA, but only military personnel can use its services.

The next most affordable Eugene, OR car insurance quotes come from Travelers and is available to everyone.

The cheapest Eugene, OR car insurance providers can be found below. You also might be wondering, “How do those Eugene, OR rates compare against the average Oregon car insurance company rates?” We uncover that too.

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Compare the average annual rates for Eugene car insurance from the top companies in your city in the list below, organized from least to most expensive.

  • USAA – $2,514.95
  • Travelers – $2,535.05
  • State Farm – $2,611.97
  • Nationwide – $2,781.88
  • GEICO – $2,868.84
  • American Family – $3,134.82
  • Progressive – $3,234.32
  • Farmers – $3,419.67
  • Allstate – $3,953.47
  • Liberty Mutual – $4,072.86

Each insurance provider uses a unique formula to calculate car insurance rates. For example, your age, driving record, and coverage needs all impact your total premiums.

Therefore, to secure your best price, seek out quotes from more than one of the companies listed above.

Eugene, Oregon car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Eugene, OR car insurance costs. Find the cheapest Eugene, Oregon car insurance costs by coverage level below:

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Your credit score will play a major role in your Eugene, OR car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Eugene, Oregon car insurance costs by credit score below.

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Your driving record will affect your Eugene, OR car insurance costs. For example, a Eugene, Oregon DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Eugene, Oregon car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Eugene, Oregon car insurance. Factors affecting car insurance rates in Eugene, OR may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Eugene, OR car insurance rates. Young drivers are often considered high-risk. This Eugene, Oregon does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Eugene, OR.

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What car insurance coverage is required in Eugene, OR?

Legally, all Eugene drivers must carry at least the Oregon minimum car insurance limits to drive on the roads.

What is the penalty for driving without car insurance in Oregon? A class B traffic violation charge.

Currently, Oregon requires the following coverage levels:

  • $25,000 per person and $50,000 per incident in bodily injury liability auto insurance coverage
  • $20,000 in property damage liability coverage
  • $15,000 in Personal Injury Protection (PIP)
  • $25,000 per person and $50,000 per incident in uninsured motorist coverage

Oregon is a no-fault state. You must rely on your own car insurance, regardless of who causes an accident.

Also, your right to sue other drivers is limited. Therefore, PIP coverage is required in your state.

You must also abide by the Oregon DUI insurance laws. Getting caught drunk driving leads to a $10,000 fine and SR-22 insurance.

What is SR-22 car insurance? It acts as proof of financial responsibility after a crime charge and allows drivers back on the roads after a license suspension.

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What affects car insurance rates in Eugene, OR?

Mild traffic congestion and higher than average auto theft rates impact the regional Eugene, OR car insurance costs.

Driving often in bumper-to-bumper traffic increases your chances of getting into an accident. Fortunately, INRIX ranks Eugene as the 119th-most congested city in America.

According to City-Data, the average commuter length for Eugene residents is only 19 minutes.

Eugene’s vehicle theft rate is higher than the state average, which can hurt your insurance costs.

The Federal Bureau of Investigation (FBI) recorded 545 car thefts in 2017 in Eugene, a rate of 324.8 cars stolen for every 100,000 residents.

Severe Eugene, OR weather patterns also impact your car insurance costs. Heavy annual rainfall, forest fires, and extreme storms are annual occurrences across the state.

Eugene, OR Car Insurance: The Bottom Line

Overall, Eugene, OR car insurance rates are average compared to the rest of the state. Don’t forget to ask about car insurance discounts for even more savings opportunities.

By seeking out quotes from multiple providers online and taking the time to do the research, you’ll quickly secure an affordable Eugene, OR car insurance policy.

Now that you’re ready to buy Eugene, OR car insurance, enter your ZIP code into our free quote tool below and start shopping.

Free Car Insurance Comparison

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

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Monthly Eugene, OR Car Insurance Rates by ZIP Code
Eugene, OR Car Insurance Rates vs. Top US Metro Car Insurance Rates
Eugene, OR Car Insurance Rates by Company and Age
The Cheapest Eugene, OR Car Insurance Rates by Coverage Level
The Cheapest Eugene, OR Car Insurance Rates by Credit Score
The Cheapest Eugene, OR Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Eugene, OR
Average Monthly Car Insurance Rates by Age & Gender in Eugene, OR
Monthly Eugene, OR Car Insurance Rates by ZIP Code
Eugene, OR Car Insurance Rates vs. Top US Metro Car Insurance Rates
Eugene, OR Car Insurance Rates by Company and Age
The Cheapest Eugene, OR Car Insurance Rates by Coverage Level
The Cheapest Eugene, OR Car Insurance Rates by Credit Score
The Cheapest Eugene, OR Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Eugene, OR
Average Monthly Car Insurance Rates by Age & Gender in Eugene, OR