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Cheap Auto Insurance Quotes in Eugene, OR (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Eugene is $142 per month, or $1704 annually.
  • Car insurance in Eugene is $11 less than the average cost of car insurance in Oregon.
  • The cheapest car insurance provider in Eugene on average is Metromile, but you should always compare quotes to find your best personal rate.

Car Insurance in Eugene, OR

The average cost of Oregon car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Eugene, OR to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$21
State Farm
$76
GEICO
$91
Allstate
$92
Travelers
$106

Cheapest Car Insurance in Eugene, OR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in EugeneQuotes
Progressive$21 /mo
State Farm$76 /mo
GEICO$91 /mo
Allstate$92 /mo
Travelers$106 /mo

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Average Car Insurance Cost

Oregon Cities
Portland$142/mo
Salem$155/mo
Gresham$169/mo
Hillsboro$139/mo
Eugene$119/mo
Oregon$145/mo
Eugene
$119
Hillsboro
$139
Portland
$142
Average for OR
$145
Salem
$155
Gresham
$169
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in OR

All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.

  • $20,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance. 

  • $15,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.

Find local Eugene agents

  • Hayes Insurance Group 

    116 Hwy 99N Suite 220,
    EUGENE, OR 97402
  • WAFD Insurance Group - Eugene 

    PO Box 40880,
    Eugene, OR 97404
  • LeDoux Ins Agcy, Inc 

    2160 West 11th Ave,
    Suite D, Eugene, OR 97402
  • Brown & Brown NW 

    2911 Tennyson Ave Ste 304,
    Eugene, OR 97408-4791
  • American Colony Ins & Financial Services 

    895 Country Club Rd Ste C225,
    Eugene, OR 97401-2359
  • Pacific Benefit Consultants 

    450 Country Club Rd Ste 330,
    Eugene, OR 97404
  • United Insurance Agencies, LLC

    2101 Bailey Hill Road,
    Eugene, OR 97405
  • J.L. Jones & Associates 

    720 Country Club Rd,
    Eugene, OR 97401
  • Anchor Insurance & Surety Inc.

    450 Country Club Rd,
    Ste 100, Eugene, OR 97401-6078
  • Great Basin Insurance 

    460 E 2Nd Ave,
    Eugene, OR 97401-2419
View more

FAQs - Eugene, OR Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Eugene Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Eugene, Oregon below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Eugene drivers measure up to their fellow motorists across Oregon in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Eugene

#13

City with the Most Speeding Tickets Rank in Oregon

#26

City with the Most Moving Violations Rank in Oregon

#5

City with the Most DUIs Rank in Oregon

#16

City with the Most Suspended Licenses in Oregon

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Eugene drivers rank 11 in the number of car accidents per driver across all cities in Oregon.

    • Rank within state: #11
    • Percent of drivers in Eugene with an accident: 10.94%
    • Drivers in Eugene, OR with an accident in their driving history pay on average 38.97% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oregon, Eugene drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Eugene with a speeding ticket: 9.77%
    • Drivers in Eugene, OR with a speeding ticket in their driving history pay on average 35.29% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Eugene drivers rank 5 in the number of DUI’s per driver across all cities in Oregon.

    • Rank within state: #5
    • Percent of drivers in Eugene with a DUI: 2.92%
    • Drivers in Eugene, OR with a DUI in their driving history pay on average 3.68% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Eugene is the Honda Accord.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oregon, Eugene drivers rank 9 in rude driving infractions.

    • Rank within state: #9
    • Percent of drivers in Eugene with a reckless driving violation: 1.9%
    • Drivers in Eugene, OR with a reckless driving violation in their driving history pay on average 27.94% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Eugene drivers rank 2 in clean driving records across all cities in Oregon.

    • Rank within state: #2
    • Percent of drivers in Eugene with clean record: 79.65%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Eugene drivers rank 7 in failure to yield violations per driver across all cities in Oregon.

    • Rank within state: #7
    • Percent of drivers in Eugene with a failure to yield violation: 0.36%
    • Drivers in Eugene, OR with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oregon, Eugene drivers rank 8 in the number of reckless driving offenses per driver.

    • Rank within state: #8
    • Percent of drivers in Eugene with a reckless driving offense: 0.07%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Eugene drivers rank 5 in hybrid and electric vehicle ownership across all cities in Oregon.

    • Rank within state: #5
    • Percent of drivers in Eugene with a hybrid/electric vehicle: 1.36%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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