Cheapest Car Insurance Quotes In Eugene, OR For 2024
In Eugene, State Farm is the most affordable choice, offering an average monthly rate of $52.
When searching for the most affordable car insurance in Eugene, Oregon, options can differ significantly, but one company shines for its competitive rates: State Farm. On average, residents can obtain car insurance for approximately $52 per month, significantly lower than the state’s average of $104.
For those in search of the most economical liability-only coverage, State Farm emerges as the top choice. Meanwhile, drivers seeking more comprehensive protection discover that State Farm offers the best rates for full coverage policies, at $102 a month. American Family provides the cheapest rates for young drivers, at $87 per month.
Cheapest Car Insurance Companies In Eugene, OR
Our Methodology
Utilizing a thorough analysis covering aspects like customer service ratings, product offerings, pricing, and a detailed examination of diverse online review platforms and user feedback, I've developed a comprehensive understanding of the car insurance provider landscape in Eugene, Oregon. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It encompasses numerous interactions with representatives from various companies and insights gained from firsthand experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Eugene, OR?
In Eugene, Oregon, State Farm provides the most affordable car insurance, with coverage available for $92 a month.
As illustrated in the table below, its rates are significantly lower than the average rates in both the State of Oregon and the United States as a whole:
| Area | Average Monthly Rate |
| National | $152 |
| Oregon | $104 |
| Eugene, OR | $92 |
It’s important to consider that the average national cost incorporates both high-cost states (such as New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates vary by location due to numerous factors, including vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Eugene For Young Adults
American Family provides the most affordable quotes for young adults in Eugene, with rates averaging around $87 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $87 | $1,042 |
| GEICO | $126 | $1,510 |
| Kemper | $93 | $1,114 |
| Allstate | $186 | $2,230 |
| Travelers | $97 | $1,162 |
In Oregon, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is attributed to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.
Statistically, young adults are less inclined to file claims with insurance companies, reflecting a reduction in accident involvement. As a result, insurers adjust premiums downward, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Eugene For Full Coverage
State Farm offers the most affordable car insurance rates for full coverage in Eugene. Their quotes average $102 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $148 | $1,774 |
| GEICO | $217 | $2,602 |
| Farmers | $262 | $3,142 |
| Allstate | $278 | $3,334 |
| State Farm | $102 | $1,222 |
Full coverage car insurance offers comprehensive protection beyond the basic coverage required by law. This insurance typically combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural events, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Eugene For Minimum Coverage
In Eugene, State Farm offers the most affordable car insurance for minimum coverage, with an average monthly cost of $52.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $66 | $790 |
| American Family | $86 | $1,030 |
| Travelers | $94 | $1,126 |
| State Farm | $52 | $622 |
| Country Financial | $56 | $670 |
The minimum car insurance policy should include at least the following coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
While having minimum car insurance provides some protection while on the road, it does not include collision or comprehensive insurance. This means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.
Driving without insurance is illegal in Oregon. Failing to show proof of insurance during a traffic stop may result in various penalties, including fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Eugene For Seniors
Country Financial offers the most affordable car insurance rates for seniors in Eugene, with average quotes of $76 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $76 | $910 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| State Farm | $101 | $1,213 |
| Kemper | $104 | $1,249 |
In Oregon, numerous seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often influences insurance rate determinations, with older age sometimes linked to decreased driving ability, this stereotype doesn’t universally apply to all seniors.
Cheapest Car Insurance Rates In Eugene For Teenagers
Teenage drivers in Eugene can secure the most affordable quotes from Country Financial, with average monthly premiums of $248.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $248 | $2,974 |
| GEICO | $455 | $5,458 |
| State Farm | $327 | $3,921 |
| Travelers | $526 | $6,310 |
| American Family | $286 | $3,430 |
Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers classify these young motorists as high-risk individuals because they statistically have a higher likelihood of being involved in accidents and committing traffic infractions.
Cheapest Car Insurance Rates In Eugene For Good Drivers
Good drivers in Eugene can secure the most affordable car insurance quotes from State Farm, averaging around $52 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $66 | $790 |
| American Family | $86 | $1,030 |
| Travelers | $94 | $1,126 |
| State Farm | $52 | $622 |
| Country Financial | $56 | $670 |
Drivers with clean driving records in Eugene generally receive lower car insurance rates because they’re considered lower risk. Insurance companies assess driving records to determine how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.
Insurers base their rates on the likelihood of a driver making a claim. Therefore, a spotless driving record can result in significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Eugene For Drivers With Prior Incidents
In Eugene, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. Such driving infractions lead insurance companies to categorize them as high-risk individuals, anticipating a greater likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.
Cheapest Car Insurance Rates In Eugene For Drivers With A Speeding Ticket
State Farm offers relatively inexpensive rates compared to other companies, with average rates of $114 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $114 | $1,366 |
| Travelers | $241 | $2,890 |
| Geico | $285 | $3,418 |
| Progressive | $220 | $2,638 |
| Country Financial | $184 | $2,204 |
Cheapest Car Insurance Rates In Eugene For Drivers With An At-Fault Accident
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging around $122 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $122 | $1,462 |
| Travelers | $292 | $3,502 |
| Geico | $406 | $4,870 |
| Progressive | $244 | $2,924 |
| Country Financial | $190 | $2,278 |
Cheapest Car Insurance Rates In Eugene For Drivers After A DUI
American Family offers the most affordable rates for drivers with a DUI in Eugene, providing average monthly premiums of $152.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $152 | $1,822 |
| Travelers | $269 | $3,286 |
| Farmers | $350 | $4,198 |
| Geico | $418 | $5,014 |
| Allstate | $380 | $4,558 |
Best Car Insurance Companies In Eugene
For drivers in Eugene, selecting the right car insurance company involves balancing affordable rates with dependable protection on the road. Below are the top 10 car insurance companies in Eugene, OR, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Nationwide | $110 |
| Grange | $117 |
| American Family | $125 |
| State Farm | $70 |
| Country | $86 |
| USAA | $78 |
| General Casualty | $92 |
| Oregon Mutual | $116 |
| National General | $117 |
| SAFECO | $130 |
Average Car Insurance Rates By Age In Eugene
| Age | Average Yearly Rate |
| Teenagers | $2,626 |
| 20s | $1,690 |
| 30s | $1,200 |
| 40s | $984 |
| 50s | $984 |
| 60s | $1,078 |
| 70s | $1,174 |
Age significantly influences car insurance rates. Generally, younger drivers, including teens and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers approach the age of 25, their rates typically begin to decrease, assuming they maintain a clean driving record.
The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Eugene
| Vehicle | Average Monthly Rate |
| Toyota Camry | $62 |
| Honda Accord | $158 |
| Kia Spectra | $216 |
| Hyundai Accent | $120 |
| Nissan Altima | $140 |
The type of vehicle you drive significantly influences your car insurance costs. Factors such as the make, model, year, and body type of the car are all taken into account by insurance companies. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Oregon?
| City | Average Monthly Rate |
| Beaverton | $127 |
| Klamath Falls | $84 |
| Lake Oswego | $101 |
| Medford | $89 |
| Albany | $85 |
| Beaverton | $127 |
| Bend | $93 |
| Corvallis | $98 |
| Hillsboro | $115 |
| Grants Pass | $82 |
The city where you reside has a significant impact on your car insurance rates. Insurance companies evaluate various factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates. These risks are typically higher in urban areas, resulting in increased premiums.
FAQs
Who has the lowest car insurance rates in Eugene?
State Farm offers the lowest car insurance rates in Eugene for both the minimum coverage required by the State of Oregon and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Eugene?
The average cost of car insurance in Eugene is approximately $92 per month. However, rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other considerations.
