Eugene, OR Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Eugene.
How much does car insurance cost in Eugene?
Car insurance costs an average of $662 per year in Eugene. That's less than the average across Oregon ($731) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Eugene. Read on to learn more!
| Car insurance in Eugene vs. Oregon | Average 6 Mo. Premium |
|---|---|
| Eugene average | $662 |
| Oregon average | $731 |
The Zebra's key takeaways about car insurance in Eugene:
- The average cost of a car insurance policy in Eugene is $662 per six-month policy — $110 per month.
- The cheapest company in Eugene is GEICO ($439).
- 36% of Zebra customers in Eugene stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Eugene car insurance rates by company
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Eugene's cheapest rates. We've listed the best cheap car insurance companies in Eugene below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $439 |
| Country | $488 |
| State Farm | $511 |
| USAA | $544 |
| Progressive | $661 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Eugene.
Eugene auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 27% of Eugene drivers. Eugene drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $586 per six-months, on average. Those in their 60s don't pay significantly more ($598).
Teenage drivers pay the most for car insurance in Eugene. When drivers hit their 20s in Eugene and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Eugene is $3,153. That's the biggest gap in premiums between any pair of age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,436 |
| 20s | $860 |
| 30s | $654 |
| 40s | $617 |
| 50s | $586 |
| 60s | $598 |
| 70s | $736 |
Eugene car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Eugene drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 59% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Eugene, improving your credit to "Fair" could help you earn a $542 decrease in six-month car insurance rates. Our data tells us 35% of drivers in Eugene have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,335 |
| Fair | $793 |
| Good | $662 |
| Very Good | $603 |
| Exceptional | $546 |
Eugene car insurance rates by violation
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Eugene drivers found guilty of reckless driving face insurance rate increases of $635 per year, compared to the citywide average. A DUI violation may lead to a $501 increase, while a citation for speeding leads to a $302 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $913 |
| Reckless Driving | $980 |
| At-fault Accident (damages < $1,000) | $924 |
| At-fault Accident (damages > $2,000) | $984 |
| Speeding Ticket (16-20 mph over speed limit) | $813 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.