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Best Cheap Auto Insurance in Eugene, OR (2021)

Things to Remember

  • Eugene, OR auto insurance rates are $214/month or $2,890/yr on average
  • The cheapest auto insurance company in Eugene, OR is USAA
  • Marital status can also affect your auto insurance in Eugene, OR
  • Eugene, OR auto insurance quotes are affected by commute time and vehicle theft

On average, Eugene, OR auto insurance rates are $241/month, or $2,890 per year, which is about $578 less than the Oregon state average and $1,042 less than the national average.

However, car insurance in Eugene, OR varies for each driver.

Read through this guide to learn more about Eugene, OR auto insurance quotes and how shopping around can lead to cheap auto insurance.

Are you ready to find affordable Eugene, OR auto insurance quotes? Enter your ZIP code above to compare multiple auto insurance companies near you.

Table of Contents

What is the cheapest auto insurance company in Eugene, OR?

The cheapest auto insurance company in Eugene, Oregon based on average rates, is USAA.

The best auto insurance companies in Eugene, OR ranked from cheapest to most expensive are:

  • USAA – $2,515
  • Travelers – $2,535
  • State Farm – $2,612
  • Nationwide – $2,782
  • GEICO – $2,869
  • American Family – $3,135
  • Progressive – $3,234
  • Farmers – $3,420
  • Allstate – $3,953
  • Liberty Mutual – $4,073

If you’re not a veteran or in the immediate family of someone in the U.S. Armed Forces, you won’t be eligible for a USAA auto insurance policy.

Therefore, you’ll have to choose a company available to all potential customers, which includes every other company on the list.

A clean driving record is the quickest way to cheap car insurance. Speeding violations have little effect on your policy at some companies, but accidents and DUIs generate the most expensive auto insurance rates.

If you’re a teen or young adult driver, car insurance rates could cost twice as much. We recommended staying under a parent’s policy and pursuing discounts.

What are the minimum auto insurance requirements in Eugene, OR?

All Eugene drivers have to meet the minimum Oregon auto insurance requirements.

In Oregon, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage
  • $15,000 for personal injury person (PIP)

Oregon is a no-fault state. Therefore, PIP is essential for Oregon drivers.

However, an at-fault driver with insufficient insurance coverage is responsible for covering the cost of a no-fault driver’s bodily injury and property damage.

What affects auto insurance rates in Eugene, OR?

Oregon is one of many states that allow gender and credit-based auto insurance. Males usually pay more than females for car insurance.

Meanwhile, customers with good or exceptional credit pay the least for auto insurance. Why? According to Experian, auto insurance companies believe better credit scores correlate to lower chances to file a claim.

What about commute mileage? Driving your vehicle more than average can produce higher auto insurance rates. According to Data USA, Eugene’s average commute time is 17 minutes, which is eight minutes faster than average.

This means drivers are more than likely to spend less on commutes due to the low travel frequency.

Why is comprehensive coverage recommended in Oregon, OR?

Any city with a low vehicle theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Eugene, OR had 606 vehicle thefts.

Eugene, OR weather is also something you should consider. According to City-Data, Eugene had ten flooding disasters and seven winter storms in 2019.

Although comprehensive coverage isn’t required, it’s highly recommended to avoid expensive out-of-pocket costs.

Eugene, OR Auto Insurance: What’s the bottom line?

Eugene, OR car insurance rates are much cheaper than the Oregon state average and national average.

As you get an auto insurance quote, you’ll receive discounts based on your vehicle, driving, record, age, and marital status.

If you don’t see any chances to save money on auto insurance, keep comparing companies until you find the best rates. A quote isn’t a contract for you to purchase insurance.

Before you buy Eugene, OR auto insurance, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.

References:

  1. https://datausa.io/profile/geo/eugene-or/
  2. https://ucr.fbi.gov/crime-in-the-u.s/2019/crime-in-the-u.s.-2019/tables/table-8/table-8-state-cuts/oregon.xls
  3. https://www.city-data.com/city/Eugene-Oregon.html

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