Cheapest Auto Insurance in Eugene, Oregon (2024)

Mile Auto offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $54 per month.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Christy has been a contributor at Insurify since August 2023.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated December 19, 2024

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Cheapest recent rates near Eugene, Oregon

Drivers in and around Eugene, Oregon have found policies from Root, Mile Auto, Liberty Mutual, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Eugene can expect to pay an average of $145 per month for full-coverage car insurance and $93 for liability-only coverage. The city’s liability rates are less than both Oregon’s average of $131 and the national average of $153 per month.

Eugene is the third-largest city in Oregon and home to the University of Oregon — both factors that could result in high rates.[1] But the city’s 250 miles of bicycle trails and walkable downtown area reduce the number of drivers on the roads, resulting in less frequent accidents and relatively affordable insurance costs. You should compare car insurance quotes from multiple insurers to find the best rate.

Quick Facts
  • Mile Auto, National General, and Safeco are the cheapest car insurance companies for Eugene drivers.

  • Oregon is an at-fault state, so a driver who causes an accident is liable for damages.

  • Insurers in Oregon can use your credit history when determining your car insurance rate.

Cheapest car insurance companies in Eugene

The cheapest car insurance for one driver may not necessarily be the best option for you — each insurer weighs driving factors differently. It’s important to get quotes from a few companies to ensure they’re not just the cheapest overall but the best for your specific needs.

Here’s a breakdown of some of the best car insurance companies in Eugene.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Safeco9.3$145$97Affordability
Mile Auto7.5$74$60Infrequent drivers
Liberty Mutual7.7$195$130Flexible coverage options
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Safeco

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$128/mo
4.5
Best choiceBased on 765 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (427)

William

December 16, 2024

Verified Review

Fair

The policy rate increased at the beginning of the coverage.

Scott

December 15, 2024

Verified Review

Retired senior facing affordability issues

My rate has increased by 60% in 2 years despite having no accidents. Just like with Netflix, I'm considering leaving due to this.

Elliot

December 9, 2024

Verified Review

Current Insurance

Even though our vehicles are aging and we haven't had any claims, our insurance costs keep rising.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

A subsidiary of Liberty Mutual, Safeco offers some of the cheapest car insurance rates in Eugene and scored above average in customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. It offers numerous coverage options, including collision, comprehensive, and medical payments. Safeco also provides multiple discounts, including good driving and vehicle safety discounts.

Pros
  • Affordable premiums

  • Various discounts for young adults

Cons
  • Discounts and coverage options not available in every state

  • Gap insurance not available

Best insurer for infrequent drivers: Mile Auto

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
4.1
Best choiceBased on 61 verified guest reviews and ratings
Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

With a pay-per-mile structure, Mile Auto is a good choice for people who drive fewer than 10,000 miles per year. Mile Auto’s website states it can help low-mileage drivers save 30% to 40% off their current rates. You only need to send in a picture of your odometer to report your mileage. Keep in mind, though, that some financing companies that require borrowers to have full coverage policies may not accept pay-per-mile insurance.

Pros
  • Affordable rates for low-mileage drivers

  • No tracking device

Cons
  • Available in only 11 states

  • Has limited coverage options

Best insurer for flexible coverage options: Liberty Mutual

User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$113/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$172/mo
3.6
A solid optionBased on 2,714 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,585)

Searle

December 19, 2024

Verified Review

Fair

They don't give you any discounts.

Kenneth

December 19, 2024

Verified Review

Steer Clear of This Greedy Insurer

Steer clear of this company. They continue to raise rates regardless of how safe a driver you are.

Jerry

December 18, 2024

Verified Review

Good but Costly

Be prepared for your policy payments to jump to almost a car payment!
See all Liberty Mutual reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Find Cheap Car Insurance in Eugene, Oregon

Rates start at $54 per month for liability coverage

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How to get the cheapest car insurance in Eugene

Insurers set premiums by estimating the likelihood you’ll make a claim. They consider various factors in determining the likelihood of a covered incident, such as your age, driving history, and location. You’ll want to do all you can to present a low risk to get the most affordable coverage. Here are some of the steps you can take:

  • Shop around. Rates can vary dramatically between insurers. It’s crucial to shop around and get quotes from multiple companies to know you’re getting the best deal for your needs.

  • Increase your deductible. Your collision and comprehensive deductibles are an amount you must pay before your insurer pays a covered claim. Increasing your deductible may lower your insurance bill but increase your out-of-pocket costs in the event of an accident. Liability coverage doesn't have a deductible.

  • Improve your credit score. Insurers in Oregon can use your credit history when setting rates, and they often perceive people with poor credit as riskier and adjust rates accordingly. Improving your credit history can help lower your insurance costs.

  • Apply for discounts. Insurance companies usually offer various discounts that can help you save money on your auto policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance policies. Many insurers offer discounts if you bundle your auto insurance with homeowners, renters, or life insurance.

Cheapest liability-only car insurance in Eugene: Mile Auto

Liability car insurance helps cover the other driver’s expenses if you cause an accident, such as medical expenses and the cost to repair or replace their vehicle. However, it won’t cover your own vehicle damage and medical expenses.

The cheapest insurer for liability-only car insurance in Eugene is Mile Auto, with an average cost of $54 per month. The table below shows companies offering affordable liability insurance to Eugene drivers.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Mile Auto$54
National General$83
Safeco$84
Root$88
Direct Auto$106
Dairyland$107
Liberty Mutual$113
Bristol West$116
The General$134
GAINSCO$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Eugene: Mile Auto

Full-coverage auto insurance goes beyond the minimum protections required to provide broader protection. A typical full-coverage policy will include both comprehensive and collision coverages. These policies pay for damage to your vehicle from accidents you cause, as well as non-collision events, such as theft, fire, and vandalism.

The cheapest insurer for full-coverage car insurance in Eugene is Mile Auto, with an average cost of $65 per month. You can find other insurers offering affordable full-coverage insurance in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Mile Auto$65
Safeco$128
Root$132
National General$150
Liberty Mutual$172
Direct Auto$196
Bristol West$225
The General$253
Dairyland$258
GAINSCO$291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Eugene, Oregon

Drivers in and around Eugene, Oregon have found policies from The General, Root, Direct Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Oregon

All Oregon drivers must carry liability insurance. These are only minimums, however, and you should consider more coverage to minimize your out-of-pocket expenses after an accident.

Below are the minimum insurance coverage requirements in Oregon:[2]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Personal injury protection$15,000 per person
Uninsured motorist coverage$25,000 per person / $50,000 per accident

In addition to Oregon’s minimum coverage requirements, you should consider the following optional coverages for broader protection on the road:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage helps pay for your repair bills if you’re involved in an accident with another vehicle or object, such as a pole or fence. It also covers rollover accidents and damage from hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage helps pay for non-accident damage, such as from severe weather, theft, vandalism, fire, animal strikes, and cracked windshields.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Cars start depreciating as soon as you drive them off the lot. Gap insurance covers the gap between the depreciated value of your vehicle and the amount left on your loan or lease if your car is stolen or totaled.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    Rental car reimbursement pays for alternative transportation, such as rental cars or train and bus tickets, while your car is in the shop.

Cheapest car insurance for drivers with an incident

Drivers with incidents like speeding tickets, driving under the influence, or at-fault accidents on their records will typically see their insurance premiums increase for three to five years. Insurers view these situations as evidence that a motorist is more likely to be in a crash and make a claim for damages.

The premium increases can be substantial after an incident. But some insurers impose smaller premium increases than others, which is why it’s so important to compare insurance companies before buying a policy.

Shop for Car Insurance in Eugene, OR

Monthly rates start at $67 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding drivers are more likely to get into an accident, and high-speed accidents are more likely to be serious and costly. As a result, a speeding ticket can lead to higher insurance premiums. The cost increases can vary by insurer, though.

In Eugene, the average cost of car insurance for drivers with speeding tickets is $211 per month for full coverage and $135 for liability policies. The following table illustrates how speeding infractions affect liability car insurance rates from some top insurers serving Eugene drivers.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$54$72
National General$83$110
Safeco$84$113
Root$88$125
Direct Auto$106$141
Dairyland$107$142
Liberty Mutual$113$161
Bristol West$116$155
The General$134$182
GAINSCO$141$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Having an at-fault accident on your driving record will typically result in your insurer increasing your rates. This is because insurance companies consider drivers who have caused an accident to be higher-risk than drivers with clean records. Purchasing accident forgiveness coverage can help keep your rate steady following your first at-fault accident.

Eugene drivers with at-fault accidents see average monthly rates of $137 for minimum coverage and $213 for full coverage. Here are average liability rates in Eugene for drivers with at-fault accidents.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Accident
Mile Auto$54$76
National General$83$113
Safeco$84$115
Root$88$129
Direct Auto$106$149
Dairyland$107$145
Liberty Mutual$113$165
Bristol West$116$159
The General$134$188
GAINSCO$141$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Impaired drivers are far more likely to be in accidents, so it’s not surprising that a DUI can result in a substantial increase in insurance premiums.[3] If you're convicted of driving under the influence, your insurer could cancel your policy mid-term, or decide not to renew it at the end of your policy term. Some insurers may refuse to cover you altogether, while some actually specialize in DUI coverage.

A DUI pushes average car insurance rates in Eugene to $242 per month for full coverage and $155 for liability-only policies. Here's how a DUI affects liability rates for Eugene drivers.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With DUI
Mile Auto$54$90
National General$83$138
Safeco$84$126
Root$88$131
Direct Auto$106$176
Dairyland$107$177
Liberty Mutual$113$187
Bristol West$116$192
The General$134$222
GAINSCO$141$234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Around age 70, car insurance rates begin to increase slightly. Age-related changes in physical and cognitive abilities can put senior drivers at greater risk of getting into an accident.

The average cost of car insurance for senior drivers in Eugene is $70 per month for minimum coverage and $109 for full coverage. Here are average monthly rates from some top Eugene insurers for senior drivers.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Mile Auto$39$47
National General$60$109
Safeco$69$105
Root$71$106
Direct Auto$78$145
Dairyland$81$196
Bristol West$89$172
Liberty Mutual$90$137
The General$103$195
GAINSCO$113$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Teen drivers are statistically the most likely to be in car crashes. Their inexperience and propensity toward dangerous driving behaviors mean teens present a high risk to insurers, so insurers charge them higher premiums.[4]

Teen drivers can help keep costs down by maintaining a clean driving record, remaining on their parents’ insurance as long as possible, driving a safe car, completing a defensive driving course, and taking advantage of good student discounts. Teens younger than 18 can't legally get their own policies without written consent from a parent or guardian.

In Eugene, teen drivers see average monthly rates of $284 for full coverage and $182 for liability-only policies. Here are some of the average monthly auto insurance quotes for teen drivers in Eugene.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Mile Auto$112$135
Root$143$214
Safeco$171$260
National General$174$315
Dairyland$186$449
Direct Auto$208$385
Liberty Mutual$208$317
Bristol West$211$409
The General$231$435
GAINSCO$262$540
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Car Insurance Rates in Eugene

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Eugene car insurance quotes by credit tier

Oregon law prohibits insurers from canceling auto insurance policies due to bad credit but allows insurers to take credit history into account when setting premiums for a new policy.[5] As the table below shows, drivers with excellent or good credit often pay less than drivers with poor credit.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Eugene?

No, auto insurance is generally less expensive for Eugene drivers than in many other parts of the U.S. On average, Eugene drivers pay $119 for car insurance, less than the state average of $131 and the national average of $153.

More cities in Oregon

Driver demographics and local accident rates can both affect auto insurance costs. More densely populated cities tend to have more expensive premiums than rural areas. The table below shows how costs compare in different Oregon areas.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Beaverton$132$197
Corvallis$91$141
Grants Pass$85$139
McMinnville$113$138
Medford$90$133
Portland$133$198
Redmond$82$165
Salem$118$184
Springfield$90$135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Eugene car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Eugene.

  • How much is car insurance in Eugene?

    On average, car insurance in Eugene costs $145 per month for full coverage and $93 for liability-only insurance. Your premium will depend on location, driving record, age, gender, and credit history.

  • Who has the cheapest car insurance in Eugene?

    Mile Auto offers the cheapest car insurance rates in Eugene, starting at $54 for liability-only coverage. Eugene drivers can also find cheap rates from National General and Safeco, which have liability rates as low as $83 and $84, respectively.

  • What are the best car insurance companies in Eugene?

    Many reliable insurers offer coverage in Eugene, but State Farm, Mile Auto, and USAA are the best car insurance companies. State Farm and USAA have IQ Scores above 4.0 (out of 5) and strong ratings from AM Best and J.D. Power. And Mile Auto is the best option for infrequent drivers in Eugene, offering affordable pay-per-mile insurance.

  • How much is car insurance per month in Oregon?

    Car insurance in Oregon costs an average of $131 per month. Drivers can expect to pay $99 for liability coverage and $163 for full coverage.

  • Is car insurance expensive in Oregon?

    Car insurance in Oregon is slightly more expensive than the national average, but it’s not the most expensive state for car insurance. Oregon’s insurance rates are expensive partly because its minimum liability coverage requirements are higher than in many other states.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. World Population Review. "Oregon Cities by Population (2023)."
  2. Oregon Department of Transportation. "Minimum Insurance Requirements."
  3. Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
  4. Department of Insurance, SC - Official Website. "Teen Drivers, Insurance and Safety."
  5. OregonLaws. "ORS 746.661 Use of credit history or insurance score."
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Christy has been a contributor at Insurify since August 2023.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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