120+ more*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on November 3, 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 November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Car insurance in Eugene averages $88 per month for liability coverage and $152 for full coverage.
Eugene is home to almost 179,000 people and has higher rates than Springfield, which only has about 61,000 residents. Rates are lower than in Portland, though, which has more than 635,000 residents, according to the U.S. Census Bureau.
Eugene car insurance rates are also lower than the overall state average. The average commute time is only 18 minutes compared to the state average of 23 minutes. Insurers consider how many miles you drive when setting rates, so a shorter commute could help keep your costs down.
To meet Oregon car insurance requirements, you must carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability. Oregon also requires $15,000 in personal injury protection (PIP) and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.[1]
At an average of $88 per month, liability insurance in Eugene is cheaper than the state average of $91 per month. It also costs less than full coverage.
Below are quotes for cheap liability car insurance in Eugene, with the best rates from State Farm.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| USAA | $64 |
| Mile Auto | $65 |
| Sun Coast | $66 |
| GEICO | $72 |
| National General | $73 |
| Progressive | $73 |
| Country Financial | $81 |
| The General | $82 |
| Bristol West | $84 |
| Safeco | $85 |
| Allstate | $90 |
| American Family | $93 |
| Dairyland | $93 |
| Root | $95 |
| Direct Auto | $100 |
| Farmers | $127 |
| Liberty Mutual | $131 |
| Travelers | $155 |
Liability policies average $88/mo.
Eugene’s winter storms can damage your vehicle. The January 2024 ice storm, for example, caused about $1.6 million in damage across the city. Comprehensive insurance, which is part of a full-coverage policy, can help pay for repairs if a falling tree or limb lands on your car during a storm.
Full coverage averages $152 per month in Eugene, which is lower than the statewide average of $157. You may find the lowest rates from Mile Auto.
The table below shows quotes for cheap full-coverage car insurance in Eugene.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $84 |
| State Farm | $87 |
| USAA | $102 |
| GEICO | $112 |
| Safeco | $119 |
| Country Financial | $130 |
| Progressive | $131 |
| National General | $138 |
| Root | $143 |
| American Family | $147 |
| Bristol West | $150 |
| Allstate | $165 |
| Sun Coast | $174 |
| Liberty Mutual | $177 |
| Direct Auto | $186 |
| Dairyland | $198 |
| The General | $200 |
| Farmers | $201 |
| Travelers | $248 |
Portland and Gresham have some of the highest car insurance rates in Oregon. Both cities are densely populated, with more than 4,800 people per square mile. Grants Pass and The Dalles, on the other hand, are among the cheapest cities.
Eugene falls in the middle, just below the state average. The Eugene-Springfield metro area had the 124th-highest vehicle theft rate in the U.S. in early 2025, compared to the Portland area, which ranked 44th, according to National Insurance Crime Bureau (NICB) data. Lower theft risk could help keep the cost of car insurance down in Eugene.
The table below compares car insurance quotes in Eugene with other major Oregon cities.
City | Average Monthly Quote |
|---|---|
| Grants Pass | $99 |
| The Dalles | $102 |
| Corvallis | $105 |
| Medford | $108 |
| Redmond | $109 |
| Springfield | $112 |
| Mcminnville | $136 |
| Salem | $150 |
| Beaverton | $153 |
| Portland | $170 |
| Gresham | $171 |
*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on November 3, 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 November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Most accidents and violations stay on your driving record for at least five years in Oregon, but a driving under the influence of intoxicants (DUII) conviction could stay permanently.[2] Below are the insurers offering the cheapest car insurance in Eugene by driving history:
Cheapest car insurance for Eugene drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Eugene: State Farm
Cheapest car insurance for Eugene drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUII in Eugene: State Farm
About 4% of Eugene drivers have a speeding ticket, and almost 6% have an at-fault accident on their driving record, according to Insurify data. Oregon is an at-fault state, but its car insurance laws require PIP, which covers your medical bills after an accident regardless of fault.
Meanwhile, less than 1% of Eugene drivers have a DUII, Insurify data shows. Eugene police recorded 23% more DUII charges in 2025 than in 2024. A DUII conviction in Oregon requires higher bodily injury liability limits and a three-year SR-22 filing.[3]
Oregon insurers may also charge high-risk drivers more for coverage. You can compare average car insurance quotes in Eugene by driving history below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $120 |
| Speeding ticket | $163 |
| At-fault accident | $164 |
| DUII | $150 |
Eugene drivers should watch for pedestrians and cyclists. Although they only make up about 11% of commuters, they were involved in 60% of Eugene’s fatal crashes in 2025. Nighttime driving can also be dangerous, since 40% of fatal crashes happened in the dark.[4]
You should also watch for residential parking signs and posted time limits. With a permit, you may be able to park longer, according to the city of Eugene.
In winter, ice and snow can close roads. During a declared emergency, the city can tow your car on priority routes. Flooding also typically occurs in Eugene in December and January.
Lastly, about 15% of Oregon drivers had no insurance in 2023, according to the Insurance Research Council. Oregon requires uninsured motorist coverage with bodily injury limits of $25,000 per person and $50,000 per accident to help cover medical expenses if the at-fault driver doesn’t have insurance or flees the scene.
Only 8% of Eugene’s streets account for 72% of serious injury and fatal crashes, according to the city’s Vision Zero plan. The Randy Pape Beltline is the most dangerous for drivers.[5]
Martin Luther King Jr. Boulevard and Coburg Road can also see heavy traffic during University of Oregon football games and graduation. Insurers consider local crash risk when determining your rates.
In August 2026, Eugene police cited 36 drivers on River Road in a single day. A ticket could affect your Oregon car insurance premiums for up to three years.[6]
See quotes from top insurers in minutes
Young people are a high-risk group for serious crashes, according to Eugene’s Vision Zero plan. More than 18.5% of Oregon’s fatal and injury crashes in 2022 involved a driver between the ages of 15 and 20, according to Oregon Department of Transportation data.
Teen drivers pay an average of $163 per month for liability coverage and $281 for full coverage.
You can compare the most affordable car insurance in Eugene for teen drivers below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $106 |
| USAA | $117 |
| Sun Coast | $122 |
| Country Financial | $127 |
| GEICO | $131 |
| Mile Auto | $133 |
| Progressive | $135 |
| Root | $144 |
| National General | $144 |
| The General | $148 |
| Bristol West | $149 |
| Dairyland | $161 |
| Allstate | $166 |
| Safeco | $174 |
| American Family | $175 |
| Direct Auto | $195 |
| Liberty Mutual | $230 |
| Farmers | $253 |
| Travelers | $321 |
As a college town, Eugene tends to skew younger than Oregon overall, with about 18% of residents 65 or older compared to 21% statewide. At 55 or older, you may qualify for a car insurance discount by completing a DMV-approved accident prevention course. AARP holds approved courses in Lane County.
Senior drivers in Eugene pay an average of $77 per month for liability coverage. State Farm typically offers the lowest rates.
The table below compares cheap car insurance in Eugene for senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Mile Auto | $51 |
| USAA | $52 |
| GEICO | $57 |
| Sun Coast | $57 |
| National General | $57 |
| Progressive | $63 |
| Country Financial | $64 |
| The General | $70 |
| Bristol West | $70 |
| Safeco | $74 |
| American Family | $74 |
| Allstate | $78 |
| Dairyland | $79 |
| Direct Auto | $82 |
| Root | $88 |
| Farmers | $101 |
| Liberty Mutual | $109 |
| Travelers | $124 |
Eugene drivers average about 8,333 miles per year, according to Insurify data — one of the lowest mileages in the state. The information below can help you compare personalized quotes and find affordable coverage in Eugene.
Auto insurance in Eugene averages $88 per month for liability coverage and $152 for full coverage, according to Insurify data. That’s less than the Oregon monthly averages of $91 and $157, respectively.
State Farm has the cheapest car insurance in Eugene, at an average of $55 per month for liability coverage. Rates vary by driver, so get a free quote from several companies before you buy. You should also compare discounts, such as bundling with other policies like home insurance or renters insurance.
Eugene’s population density, commute times, and winter weather conditions can affect your car insurance rates. Insurers also consider your driving record, age, vehicle, deductibles, and add-ons like roadside assistance. Compare free insurance quotes to find the best price.
Where you park affects your rate, so call your insurer or local agent to let them know you keep your car in Eugene. College students with at least a B average may also qualify for a good student discount.
Yes. Oregon requires at least $25,000 per person and $ 50,000 per accident in bodily injury coverage, which pays for injuries you cause. You must also carry $15,000 in PIP, which covers injuries that you or your passengers sustain in an accident.
Insurify data scientists analyzed more than 250 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:
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
