Más de 4 años trabajando en creación de contenidos y marketing
Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Advertiser Disclosure
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.
¿Por qué puedes confiar en Insurify: Insurify es la plataforma mejor valorada de comparación de seguros en América. Nos asociamos con compañías principales de seguros, y somos licenciados en todos los 50 estados. No obstante, los expertos en seguros que escriben nuestro contenido operan de manera independiente de estos socios, y se puede aprender más de cómo hacemos dinero al ver nuestra revelación de anuncios. También mira reseñas de más de 3,000 clientes satisfechos, nuestra metodología de datos, y nuestros estándares editoriales.
Las tarifas más baratas encontradas recientemente en Oregon
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $40/mes para solo responsabilidad y $49/mes para cobertura total en Oregon.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Drivers in Eugene can expect to pay an average of $170 per month for full-coverage car insurance and $88 for liability-only coverage. The city’s liability rates are less than both Oregon’s average of $137 and the national average of $159 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 relatively affordable insurance costs. You should compare car insurance quotes from multiple insurers to find the best rate.
Datos Breves
Mile Auto, Safeco, and GAINSCO 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, Oregon.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.
Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$63/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.
$105/mo
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.
Ventajas
Affordable premiums
Various discounts for young adults
Contras
Discounts and coverage options not available in every state
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
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 aaa (exceptional) to c (poor).
NR
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.
$52/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.
$64/mo
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.
Ventajas
Affordable rates for low-mileage drivers
No tracking device
Contras
Available in only 11 states
Has limited coverage options
Best insurer for flexible coverage options: Liberty Mutual
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$85/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.
$151/mo
In business for more than 100 years, 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. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Ventajas
Wide range of available discounts
Accident forgiveness available
Contras
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
They are cheaper than anyone else. Comparing with other companies, even through your company, seems like a joke.
Christine - April 20, 2024
Verified
I Want to Trust My Insurance Salesman
I hope that Liberty is truthful about their car insurance. They promised that after three months, I would receive mileage credit as I drive less than 50 miles a month.
…
Find Cheap Car Insurance in Eugene, Oregon
Rates start at $52 per month for liability coverage
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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 deductible is 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.
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.
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 $52 per month. The table below shows companies offering affordable liability insurance to Eugene drivers.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Mile Auto
52
Safeco
63
GAINSCO
85
Liberty Mutual
85
National General
93
Midvale Home & Auto
102
Direct Auto
103
Dairyland
124
Bristol West
132
The General
145
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $64 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: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Mile Auto
64
Travelers
83
Nationwide
98
Safeco
105
Liberty Mutual
151
Midvale Home & Auto
154
GAINSCO
182
Direct Auto
183
National General
188
Bristol West
250
The General
272
Dairyland
275
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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]
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.
Comprehensive coverage
Comprehensive coverage helps pay for non-accident damage, such as from weather, theft, and vandalism.
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. 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 $73 for drivers with an incident
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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.
The cheapest insurer for drivers with a speeding ticket in Eugene is Mile Auto, with an average cost of $76 per month. Here are some of the average monthly quotes for drivers with a speeding ticket in Eugene.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
52
76
Safeco
63
87
GAINSCO
85
127
Liberty Mutual
85
127
National General
93
139
Midvale Home & Auto
102
143
Direct Auto
103
142
Dairyland
124
169
Bristol West
132
178
The General
145
199
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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.
The cheapest insurer for drivers with an at-fault accident in Eugene is Mile Auto, with an average cost of $79 per month. Here are average car insurance quotes for Eugene drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
52
79
Safeco
63
85
GAINSCO
85
115
Liberty Mutual
85
128
National General
93
128
Midvale Home & Auto
102
149
Direct Auto
103
146
Dairyland
124
172
Bristol West
132
180
The General
145
205
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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] Some insurers may refuse to cover you altogether, while some actually specialize in DUI coverage.
The cheapest insurer in Eugene for drivers with a DUI is Mile Auto, with an average cost of $81 per month. Here are average car insurance quotes for Eugene drivers with a DUI on their record.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
52
81
Safeco
63
108
GAINSCO
85
145
Liberty Mutual
85
145
National General
93
159
Midvale Home & Auto
102
174
Direct Auto
103
176
Dairyland
124
212
Bristol West
132
226
The General
145
248
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for seniors: Mile Auto
Delayed reaction times, impaired vision, and increasing health issues result in higher accident risks for senior drivers. Because seniors present a greater risk than any demographic group other than young drivers, auto insurance premiums typically increase around age 70 after declining at around age 35.
The cheapest insurer for senior drivers in Eugene is Mile Auto, with an average cost of $35 per month. Here are the average monthly quotes for seniors in Eugene.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
Mile Auto
35
44
Safeco
46
76
Liberty Mutual
60
107
GAINSCO
62
134
National General
68
137
Midvale Home & Auto
70
106
Direct Auto
71
126
Dairyland
90
199
Bristol West
96
181
The General
108
202
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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.
The cheapest insurer for teen drivers in Eugene is Mile Auto, with an average cost of $101 per month. Here are some of the average monthly auto insurance quotes for teen drivers in Eugene.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
Mile Auto
101
124
Safeco
134
223
GAINSCO
154
329
Liberty Mutual
160
284
National General
174
352
Midvale Home & Auto
180
271
Direct Auto
190
337
Dairyland
210
466
Bristol West
227
429
The General
237
445
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Compare Car Insurance Rates in Eugene
Insurify partners with 100+ top insurers to show the most real-time quotes
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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 $129 for car insurance, less than the state average of $137 and the national average of $159.
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.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $170 per month for full coverage and $88 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 $52 for liability-only coverage. Eugene drivers can also find cheap rates from Safeco and GAINSCO, which have liability rates as low as $63 and $85, 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 $137 per month. Drivers can expect to pay $99 for liability coverage and $175 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 of its extensive minimum car insurance requirements.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
)
)
){kind=small}
Safeco
Mile Auto
Liberty Mutual
