Eugene, OR Auto Insurance (2024)
On average, Eugene, OR auto insurance rates are $ 241/month or $2,890/year. The cheapest car insurance company in Eugene, Oregon is USAA. However, Eugene, OR auto insurance quotes vary for each person. Auto insurance in Eugene must meet the Oregon state minimum requirements with coverage levels of 25/50/20 for liability, 25/50 for UM/UIM, and $15K for PIP. Compare Eugene, OR auto insurance online to find the best price for you.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Eugene, OR auto insurance rates are $214/month or $2,890/yr on average
- The cheapest auto insurance company in Eugene, OR is USAA
- Marital status can also affect your auto insurance in Eugene, OR
- Eugene, OR auto insurance quotes are affected by commute time and vehicle theft
On average, Eugene, OR auto insurance rates are $241/month, or $2,890 per year, which is about $578 less than the Oregon state average and $1,042 less than the national average.
However, car insurance in Eugene, OR varies for each driver.
Read through this guide to learn more about Eugene, OR auto insurance quotes and how shopping around can lead to cheap auto insurance.
Monthly Eugene, OR Car Insurance Rates by 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
Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Eugene, OR against other top US metro areas’ auto insurance rates.
Are you ready to find affordable Eugene, OR auto insurance quotes? Enter your ZIP code above to compare multiple auto insurance companies near you.
What is the cheapest auto insurance company in Eugene, OR?
The cheapest auto insurance company in Eugene, Oregon based on average rates, is USAA.
The cheapest Eugene, OR car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Oregon car insurance company rates?” We cover that as well.
The best auto insurance companies in Eugene, OR ranked from cheapest to most expensive are:
- USAA – $2,515
- Travelers – $2,535
- State Farm – $2,612
- Nationwide – $2,782
- Geico – $2,869
- American Family – $3,135
- Progressive – $3,234
- Farmers – $3,420
- Allstate – $3,953
- Liberty Mutual – $4,073
If you’re not a veteran or in the immediate family of someone in the U.S. Armed Forces, you won’t be eligible for a USAA auto insurance policy.
Therefore, you’ll have to choose a company available to all potential customers, which includes every other company on the list.
A clean driving record is the quickest way to cheap car insurance. Speeding violations have little effect on your policy at some companies, but accidents and DUIs generate the most expensive auto insurance rates.
If you’re a teen or young adult driver, car insurance rates could cost twice as much. We recommended staying under a parent’s policy and pursuing discounts.
Eugene, Oregon car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Eugene, OR car insurance rates. Find the cheapest Eugene, OR car insurance rates by coverage level below:
Your credit score will play a major role in your Eugene, OR car insurance rates 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 rates by credit score below.
Your driving record will affect your Eugene car insurance rates. For example, a Eugene, Oregon DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Eugene, Oregon car insurance rates by driving record.
Factors affecting car insurance rates in Eugene, OR may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Eugene, Oregon car insurance.
These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Eugene. OR does use gender, so check out the average monthly car insurance rates by age and gender in Eugene, OR.
What are the minimum auto insurance requirements in Eugene, OR?
All Eugene drivers have to meet the minimum Oregon auto insurance requirements.
In Oregon, you have to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $20,000 per incident for property damage
- $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage
- $15,000 for personal injury person (PIP)
Oregon is a no-fault state. Therefore, PIP is essential for Oregon drivers.
However, an at-fault driver with insufficient insurance coverage is responsible for covering the cost of a no-fault driver’s bodily injury and property damage.
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What affects auto insurance rates in Eugene, OR?
Oregon is one of many states that allow gender and credit-based auto insurance. Males usually pay more than females for car insurance.
Meanwhile, customers with good or exceptional credit pay the least for auto insurance. Why? According to Experian, auto insurance companies believe better credit scores correlate to lower chances to file a claim.
What about commute mileage? Driving your vehicle more than average can produce higher auto insurance rates. According to Data USA, Eugene’s average commute time is 17 minutes, which is eight minutes faster than average.
This means drivers are more than likely to spend less on commutes due to the low travel frequency.
Why is comprehensive coverage recommended in Oregon, OR?
Any city with a low vehicle theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Eugene, OR had 606 vehicle thefts.
Eugene, OR weather is also something you should consider. According to City-Data, Eugene had ten flooding disasters and seven winter storms in 2019.
Although comprehensive coverage isn’t required, it’s highly recommended to avoid expensive out-of-pocket costs.
Eugene, OR Auto Insurance: What’s the bottom line?
Eugene, OR car insurance rates are much cheaper than the Oregon state average and national average.
As you get an auto insurance quote, you’ll receive discounts based on your vehicle, driving, record, age, and marital status.
If you don’t see any chances to save money on auto insurance, keep comparing companies until you find the best rates. A quote isn’t a contract for you to purchase insurance.
Before you buy Eugene, OR auto insurance, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Eugene, Oregon?
Yes, auto insurance is mandatory in Eugene, Oregon. All drivers must carry a minimum amount of liability insurance to legally operate a vehicle in the state.
What are the minimum auto insurance requirements in Eugene, Oregon?
The minimum auto insurance requirements in Eugene, Oregon are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
What other types of auto insurance coverage are available?
In addition to the minimum liability coverage, various types of additional coverage are available, including:
- Collision coverage: Pays for repairs or replacement of your vehicle after a collision, regardless of fault.
- Comprehensive coverage: Covers damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Medical payments coverage: Provides coverage for medical expenses for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
How is the cost of auto insurance determined in Eugene, Oregon?
Several factors influence the cost of auto insurance, including your age, driving record, type of vehicle, coverage options, deductible amount, and even your credit history. Insurance companies also consider local factors such as accident rates, crime rates, and population density when determining premiums.
Are there any discounts available for auto insurance in Eugene, Oregon?
Yes, many insurance companies offer discounts that can help lower your auto insurance premiums. Some common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, and discounts for certain safety features in your vehicle.
What should I do after an accident in Eugene, Oregon?
After an accident, it’s important to:
- Ensure your safety and the safety of others involved.
- Exchange information with the other parties, including names, contact information, and insurance details.
- Document the accident scene, including taking photos and gathering witness information.
- Notify your insurance company about the accident as soon as possible.
Can I change my auto insurance policy at any time?
Yes, you can typically change your auto insurance policy at any time. However, there may be certain restrictions or fees associated with making changes, depending on your insurance provider. It’s best to contact your insurer directly to understand their specific policies regarding changes to your coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
