Cheapest Auto Insurance in Eugene, Oregon (2026)
State Farm offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $50 per month.
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Written byChristy Rakoczy
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Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
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Danny SmithInsurance Writer
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
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Drivers in Eugene can expect to pay an average of $147 per month for full-coverage car insurance and $82 for liability-only coverage. The city’s liability rates are less than both Oregon’s average of $125 and the national average of $142 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
State Farm, Mile Auto, and USAA 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 |
|---|---|---|---|---|
| Safeco | 9.3 | $114 | $82 | Affordability |
| Mile Auto | 8.8 | $76 | $61 | Infrequent drivers |
| Liberty Mutual | 8.4 | $171 | $127 | Flexible coverage options |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene 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 | 4.3 |
|---|---|
| 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. | 8.1 /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. | $75/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. | $103/mo |
4.3
Best choiceBased on 1,057 verified driver reviews and ratings
Safeco's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 539 Safeco reviews
Verified Review
Reviewed in Oklahoma on April 24, 2026
They charge too much money for the old stuff that I have, nothing higher than a 2006 or 2013 for my Jeep. They told me what a good customer I was. I made a mistake on the dates and paid it all in full on the 22nd when I thought that's when it was due, but I paid it on the 21st. I didn't think I was late, but they charged me a late fee. It was due on the 15th, and I missed that email. They did not care, well neither do I. So, just as soon as I find something cheaper, I'm going. I already dropped it down to just the bare minimum. Y'all lost a good customer.
Verified Review
Reviewed in Utah on April 19, 2026
Premiums started low, but it seems like with every renewal they increase again and again. I would think that the longer I am a customer, they would go in the other direction.
Verified Review
Reviewed in Alabama on March 23, 2026
My car got older, and the insurance increased over the last 3 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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 | 4.5 |
|---|---|
| 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. | 8.8 /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. | $56/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. | $68/mo |
4.5
Best choiceBased on 202 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 Oregon reviews for Eugene driversSee all 68 Mile Auto reviews
Verified Purchase
Reviewed in Oregon on November 9, 2025
So far, so good. I’ve only been with the company for less than three months.
Verified Review
Reviewed in Oregon on October 11, 2025
Good experience in the beginning. However, when the new policy for the next 6 months started, they didn't inform me that there would be a $129.00 upfront fee, in addition to my monthly payment. I initially thought my policy fee had increased.
Verified Purchase
Reviewed in Oregon on June 11, 2025
I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy 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 | 3.4 |
|---|---|
| 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. | 8.4 /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. | $116/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. | $155/mo |
3.4
A solid optionBased on 3,955 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,929 Liberty Mutual reviews
Verified Review
Reviewed in Virginia on May 14, 2026
Very reasonable.
Verified Review
Reviewed in New Jersey on May 13, 2026
The app and web page could use some work. Options included date and amount only.
Verified Review
Reviewed in Mississippi on May 11, 2026
Car insurance is fine, but the formula they use to determine the individual cost is bad. I am 82 with no tickets, accidents, or violations of any kind since I started driving at the age of 15. This can be verified. The insurance since 2020 has increased each year, with the current renewal cost of $2,100 and some change for 12 months of full coverage on a 2025 Toyota Tacoma SR 2WD. Obviously, I secured a new insurance company. Thank you for the opportunity to submit this information.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
571NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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).
AWhy 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 $50 per month for liability coverage
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4.7 out of 5 based on 14,432 reviews
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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: State Farm
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 State Farm, with an average cost of $50 per month. The table below shows companies offering affordable liability insurance to Eugene drivers.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| Mile Auto | $56 |
| Sun Coast | $59 |
| USAA | $59 |
| GEICO | $63 |
| National General | $64 |
| Progressive | $70 |
| Bristol West | $73 |
| Country Financial | $75 |
| Safeco | $75 |
| The General | $75 |
| Dairyland | $79 |
| American Family | $85 |
| Direct Auto | $87 |
| Nationwide | $87 |
| Root | $90 |
| Allstate | $98 |
| Farmers | $115 |
| Liberty Mutual | $116 |
| Travelers | $142 |
| GAINSCO | $145 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene 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 $68 per month. You can find other insurers offering affordable full-coverage insurance in the table below.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $68 |
| State Farm | $86 |
| USAA | $102 |
| Safeco | $103 |
| GEICO | $109 |
| National General | $119 |
| Country Financial | $129 |
| Progressive | $129 |
| Root | $130 |
| Bristol West | $133 |
| Sun Coast | $141 |
| American Family | $147 |
| Nationwide | $153 |
| Direct Auto | $155 |
| Liberty Mutual | $155 |
| Allstate | $169 |
| Dairyland | $169 |
| The General | $173 |
| Farmers | $201 |
| GAINSCO | $246 |
| Travelers | $247 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Eugene, Oregon drivers
Recent Eugene, Oregon car insurance prices for Chevrolet, Toyota, KIA, and more.
*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 18, 2026. 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 May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 18, 2026. 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:
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.
Comprehensive coverage
Comprehensive coverage helps pay for non-accident damage, such as from severe weather, theft, vandalism, fire, animal strikes, and cracked windshields.
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.
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 $62 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
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 $199 per month for full coverage and $111 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 in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $50 | $66 |
| Mile Auto | $56 | $71 |
| USAA | $59 | $79 |
| Sun Coast | $59 | $80 |
| National General | $64 | $83 |
| GEICO | $63 | $86 |
| Progressive | $70 | $95 |
| Bristol West | $73 | $96 |
| Safeco | $75 | $102 |
| Dairyland | $79 | $102 |
| The General | $75 | $104 |
| Country Financial | $75 | $105 |
| Direct Auto | $87 | $114 |
| American Family | $85 | $114 |
| Nationwide | $87 | $117 |
| Root | $90 | $124 |
| Allstate | $98 | $132 |
| Farmers | $115 | $153 |
| Liberty Mutual | $116 | $154 |
| GAINSCO | $145 | $181 |
| Travelers | $142 | $191 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
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 $111 for minimum coverage and $199 for full coverage. Here are average liability rates in Eugene for drivers with at-fault accidents.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $50 | $67 |
| Mile Auto | $56 | $77 |
| Sun Coast | $59 | $80 |
| USAA | $59 | $80 |
| GEICO | $63 | $84 |
| National General | $64 | $86 |
| Progressive | $70 | $95 |
| Bristol West | $73 | $98 |
| Country Financial | $75 | $104 |
| The General | $75 | $104 |
| Safeco | $75 | $106 |
| Dairyland | $79 | $106 |
| American Family | $85 | $116 |
| Nationwide | $87 | $119 |
| Direct Auto | $87 | $120 |
| Root | $90 | $123 |
| Allstate | $98 | $133 |
| Farmers | $115 | $156 |
| Liberty Mutual | $116 | $156 |
| GAINSCO | $145 | $188 |
| Travelers | $142 | $194 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
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 $189 per month for full coverage and $106 for liability-only policies. Here's how a DUI affects liability rates for Eugene drivers.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $50 | $68 |
| Sun Coast | $59 | $76 |
| Mile Auto | $56 | $76 |
| USAA | $59 | $80 |
| GEICO | $63 | $85 |
| National General | $64 | $87 |
| Progressive | $70 | $90 |
| The General | $75 | $99 |
| Bristol West | $73 | $100 |
| Country Financial | $75 | $100 |
| Dairyland | $79 | $108 |
| Safeco | $75 | $109 |
| American Family | $85 | $110 |
| Direct Auto | $87 | $119 |
| Nationwide | $87 | $119 |
| Root | $90 | $124 |
| Allstate | $98 | $134 |
| Farmers | $115 | $157 |
| Liberty Mutual | $116 | $158 |
| Travelers | $142 | $194 |
| GAINSCO | $145 | $198 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
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 $125 for full coverage. Here are average monthly rates from some top Eugene insurers for senior drivers.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $39 | $67 |
| Mile Auto | $44 | $53 |
| USAA | $47 | $82 |
| GEICO | $50 | $86 |
| National General | $50 | $93 |
| Sun Coast | $50 | $120 |
| Country Financial | $59 | $101 |
| Progressive | $60 | $110 |
| Bristol West | $60 | $110 |
| The General | $64 | $147 |
| Safeco | $65 | $89 |
| Nationwide | $66 | $116 |
| Dairyland | $67 | $143 |
| American Family | $67 | $117 |
| Direct Auto | $71 | $126 |
| Root | $75 | $108 |
| Allstate | $79 | $136 |
| Farmers | $91 | $158 |
| Liberty Mutual | $96 | $128 |
| Travelers | $113 | $196 |
| GAINSCO | $123 | $209 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
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 $280 for full coverage and $156 for liability-only policies. Here are some of the average monthly auto insurance quotes for teen drivers in Eugene.
The below rates in Eugene, OR, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $99 | $171 |
| USAA | $112 | $193 |
| Sun Coast | $113 | $269 |
| GEICO | $117 | $202 |
| Mile Auto | $118 | $143 |
| Country Financial | $124 | $214 |
| National General | $131 | $244 |
| Bristol West | $133 | $242 |
| Progressive | $134 | $246 |
| The General | $138 | $319 |
| Dairyland | $141 | $302 |
| Safeco | $156 | $214 |
| Root | $161 | $232 |
| American Family | $165 | $285 |
| Direct Auto | $173 | $308 |
| Nationwide | $174 | $306 |
| Allstate | $199 | $342 |
| Liberty Mutual | $209 | $279 |
| Farmers | $236 | $412 |
| GAINSCO | $265 | $450 |
| Travelers | $303 | $527 |
Disclaimer: Table data sourced from real-time Eugene car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Eugene may vary based on the policy buyer's unique driver profile.
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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
Category | Price |
|---|---|
| Excellent | $129 |
| Good | $153 |
| Fair | $168 |
| Poor | $260 |
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 $115 for car insurance, less than the state average of $125 and the national average of $142.
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 | $115 | $177 |
| Corvallis | $75 | $119 |
| Grants Pass | $69 | $136 |
| McMinnville | $96 | $162 |
| Medford | $73 | $135 |
| Portland | $124 | $204 |
| Redmond | $76 | $138 |
| Salem | $108 | $182 |
| Springfield | $78 | $141 |
Disclaimer: Table data is based on real-time Eugene quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $147 per month for full coverage and $82 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?
State Farm offers the cheapest car insurance rates in Eugene, starting at $50 for liability-only coverage. Eugene drivers can also find cheap rates from Mile Auto and USAA, which have liability rates as low as $56 and $59, 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 $125 per month. Drivers can expect to pay $92 for liability coverage and $158 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.
Sources
- World Population Review. "Oregon Cities by Population (2023)."
- Oregon Department of Transportation. "Minimum Insurance Requirements."
- Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
- Department of Insurance, SC - Official Website. "Teen Drivers, Insurance and Safety."
- OregonLaws. "ORS 746.661 Use of credit history or insurance score."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
Danny SmithInsurance Writer
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
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