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Eugene Car Insurance

How much does car insurance cost in Eugene, OR? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Eugene?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Oregon has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Eugene typically pay around $103.23 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Oregon $113.09
Eugene, Oregon $103.23

Eugene, OR Best Car Insurance Companies

car insurance in Eugene

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Eugene coming in around $70.86 per month. Other companies to consider if you live in Eugene is General Casualty with an average cost of $91.06 per month and State Farm which typically runs around $93.03 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Eugene.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $70.86-37.35%
2 General Casualty $91.06-19.48%
3 State Farm $93.03-17.74%
4 Country $100.42-11.21%
5 Grange $111.78-1.16%
6 Travelers $112.19-0.80%
7 Metropolitan $117.613.99%
8 Oregon Mutual $117.864.22%
9 Nationwide $118.034.36%
10 Unitrin $118.234.54%

How Much is Car Insurance in Eugene, OR?

how much is auto insurance in Eugene

Rates can vary from city to city. The residents of Beaverton typically pay $134.83 per month while people who live in Bend will pay $90.81 per month on average. See what people pay for car insurance in other cities in Oregon.

Oregon CitiesMonthly Average Rate
Beaverton $134.83
Bend $90.81
Eugene $103.09
Portland $137.75
Salem $125.46

Cheap Car Insurance in Eugene by Zip Codes

find cheap auto insurance in Eugene

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Oregon. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Eugene, OR ZIP CodeAverage Monthly Rate
97401$103.97
97402$105.26
97403$109.69
97404$101.29
97405$93.83
97408$114.97

Car Insurance Rates by Driver's Age Group in Eugene

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $200.27 per month in Eugene. Compare that to drivers in their 30’s who typically pay around $92.40 per month drivers in their 40s at $75.12 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$200.27
20s$129.54
30s$92.40
40s$75.12
50s$77.75
60s$70.41
70+$88.79

Cheapest Insurance for Teenage Drivers in Eugene

If you are teen in Eugene you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $118.42 per month. This is likely the most affordable option in Eugene. You might also want to consider General Casualty and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$118.42
General Casualty$142.57
State Farm$200.99
Unitrin$212.24
Country$214.02

Cheapest Insurance for 20 Year-olds in Eugene

20 year-olds in Eugene might want to consider USAA who, on average, offers car insurance rates around $86.84 per month. General Casualty , State Farm , Country and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$86.84
General Casualty$99.24
State Farm$112.52
Country$118.57
Travelers$140.59

Cheapest Insurance for 30 Year-olds in Eugene

If you are in your 30s in Eugene our research has found that USAA typically has the most affordable coverage coming in around $54.47 per month, followed by General Casualty at $65.53 and State Farm at $69.08.

CompanyAverage Monthly Rate
USAA$54.47
General Casualty$65.53
State Farm$69.08
Oregon Mutual$74.72
Grange$75.19

Cheapest Insurance for 40 Year-olds in Eugene

On average, USAA offers car insurance for 40 year-olds in Eugene for around $54.22 per month. If you are looking for affordable coverage, you may also want to consider Grange or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$54.22
Grange$61.79
State Farm$62.26
Country$71.84
Nationwide$74.55

Cheapest Insurance for 50 Year-olds in Eugene

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Eugene we found that USAA generally offers the most affordable coverage at $53.43 per month.

CompanyAverage Monthly Rate
USAA$53.43
Grange$60.90
State Farm$61.85
Country$69.38
Oregon Mutual$72.55

Cheapest Insurance for 60 Year-olds in Eugene

If you live in Eugene and you’re in your 60s, our data indicates that USAA usually has the best rates at $53.94 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$53.94
State Farm$61.43
Grange$61.59
Nationwide$67.57
Country$69.74

Driver's Coverage Auto Insurance Rates in Eugene, OR

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Eugene, the average monthly rate for a driver who is currently insured is $91.57 while drivers who are not currently covered will pay around $121.81.

CoverageAverage Monthly Rate
Not Currently Insured $121.81
Currently Insured $91.57

Compare Recent Car Insurance Quotes in Eugene

auto insurance quotes in Eugene city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Eugene a driver of a 1994 Chevrolet G20 can expect to pay around $59.67 per month while someone that owns a 2021 Ford Econoline may pay around $130.89 per month. Check out the list of recent quotes in Eugene below.

VehicleAverage Monthly Rate
1994 Chevrolet G20$59.67
2021 Ford Econoline$130.89
2016 Chevrolet 4500$116.58
2005 Toyota 4runner$48.75
2012 Volkswagen Passat$99.48
2019 Mercedes-Benz Glc$172.80
2011 Nissan Altima$95.90
2019 Ford Transit$148.29
2020 Jeep Wrangler Unlimited$55.47
2019 Kia Sorento$112.29

FAQ's for Drivers in Eugene, OR

driver’s frequently asked question in Eugene

What Is the Minimum Liability Coverage Requirement in Eugene, OR?

Every state requires drivers to have a minimum amount of liability coverage. Oregon drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All motorists in Oregon must obtain an auto insurance policy that meets the following minimum liability coverage requirements: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

What Is the Blood Alcohol Concentration (BAC) limit in Eugene, OR?

It’s against the law to drive in Oregon at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

Any for under 21

Oregon’s driving under the influence of intoxicants (DUII) law includes a no-tolerance policy for underage drinkers. People under 21 years old who register any alcohol on a chemical test are considered to have failed it.

What are the consequences of being convicted of a DUI?

Penalties depend on the number of previous drug or alcohol-related convictions on your record within the last 5 years and a variety of other considerations. Even for a first driving under the influence of intoxicants (DUII) violation, consequences may include suspension of driving privileges for at least 1 year followed by the mandatory installation of an ignition interlock device, fines and fees, compulsory completion of a substance abuse treatment program, and possible jail time or community service.

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Commute Time in Eugene, OR

18.2 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Eugene, OR

77

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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