Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Eugene is 542.
  • The cheapest car insurance company in Eugene after a DUI is State Farm
  • Average car insurance rates in Eugene, OR for senior drivers are $1,812/year

Average car insurance rates in Eugene, Oregon are $259 a month. But with a little research you can get a great deal from the top car insurance companies in Eugene, OR. Before you buy Eugene, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

It may even be helpful to compare Eugene car insurance rates with Springfield car insurance rates, Hillsboro car insurance rates, or Beaverton car insurance rates to make sure you’re getting the best Eugene, OR car insurance quotes available.

Need affordable Eugene, OR car insurance? Enter your ZIP code to compare Eugene car insurance quotes from multiple car insurance companies near you.

Eugene, OR Minimum Car Insurance Coverage

Eugene, Oregon law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Eugene, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Eugene, OR Car Insurance Rates by Coverage Level

Some Eugene drivers can get by with the Oregon minimum coverage of 25/50/20. Other drivers may need more. See how much your Eugene, Oregon car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Eugene, Oregon

Insurance Company Low Medium High
Allstate $3,794 $3,944 $4,123
American Family $3,113 $3,314 $2,978
Farmers $3,206 $3,375 $3,678
GEICO $2,618 $2,884 $3,104
Liberty Mutual $3,815 $4,063 $4,341
Nationwide $2,648 $2,858 $2,840
Progressive $3,121 $3,219 $3,363
State Farm $2,461 $2,616 $2,759
Travelers $2,390 $2,523 $2,693
USAA $2,404 $2,518 $2,624

Eugene, OR Car Insurance Rates by Age, Gender, and Marital Status

Eugene, Oregon car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Eugene, OR car insurance, get quotes from multiple car insurance companies in the Eugene area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Eugene, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,595 $2,420 $2,380 $2,405 $7,755 $8,644 $2,712 $2,718
American Family $2,061 $2,061 $1,838 $1,838 $5,084 $7,978 $2,061 $2,158
Farmers $1,901 $1,853 $1,679 $1,788 $7,848 $8,006 $2,120 $2,162
GEICO $2,130 $2,059 $1,996 $2,017 $5,523 $5,017 $2,266 $1,944
Liberty Mutual $2,576 $2,716 $2,235 $2,486 $8,458 $9,140 $2,477 $2,494
Nationwide $1,955 $1,946 $1,746 $1,823 $4,493 $5,609 $2,281 $2,402
Progressive $1,720 $1,557 $1,498 $1,542 $7,416 $8,158 $2,049 $1,934
State Farm $1,547 $1,547 $1,420 $1,420 $4,964 $6,228 $1,756 $2,014
Travelers $1,663 $1,674 $1,503 $1,562 $4,694 $5,687 $1,735 $1,762
USAA $1,566 $1,517 $1,557 $1,498 $4,776 $5,113 $2,011 $2,082

Eugene, OR Car Insurance Rates for Teens

How much is Eugene, Oregon car insurance for teens? Compare rates from top Eugene car insurance companies below to help find the cheapest teen car insurance in Eugene, OR.

Annual Car Insurance Rates for Teen Drivers in Eugene, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,755 $8,644
American Family $5,084 $7,978
Farmers $7,848 $8,006
GEICO $5,523 $5,017
Liberty Mutual $8,458 $9,140
Nationwide $4,493 $5,609
Progressive $7,416 $8,158
State Farm $4,964 $6,228
Travelers $4,694 $5,687
USAA $4,776 $5,113

Eugene, OR Car Insurance Rates for Seniors

Before seniors buy Eugene, Oregon car insurance, they should make sure to shop around. Some Eugene, OR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Eugene, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,380 $2,405
American Family $1,838 $1,838
Farmers $1,679 $1,788
GEICO $1,996 $2,017
Liberty Mutual $2,235 $2,486
Nationwide $1,746 $1,823
Progressive $1,498 $1,542
State Farm $1,420 $1,420
Travelers $1,503 $1,562
USAA $1,557 $1,498

Eugene, OR Car Insurance Rates by Credit History

How does your credit history affect Eugene, OR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Eugene, Oregon

Insurance Company Poor Fair Good
Allstate $5,179 $3,657 $3,025
American Family $3,976 $2,940 $2,489
Farmers $3,955 $3,237 $3,067
GEICO $3,459 $2,869 $2,279
Liberty Mutual $5,952 $3,534 $2,733
Nationwide $3,353 $2,671 $2,322
Progressive $3,628 $3,144 $2,932
State Farm $3,648 $2,327 $1,861
Travelers $3,162 $2,487 $1,956
USAA $3,768 $2,102 $1,675

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Eugene, OR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Eugene, Oregon car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Eugene.

Annual Eugene, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,192 $4,289 $4,444 $3,890
American Family $2,177 $3,366 $4,207 $2,789
Farmers $2,885 $3,717 $3,636 $3,441
GEICO $1,886 $3,016 $3,980 $2,594
Liberty Mutual $3,609 $4,041 $4,634 $4,008
Nationwide $2,367 $2,531 $3,559 $2,670
Progressive $2,447 $4,442 $3,142 $2,906
State Farm $2,312 $3,031 $2,552 $2,552
Travelers $2,059 $2,634 $2,941 $2,507
USAA $1,824 $2,548 $3,551 $2,136

Eugene, OR Car Insurance Rates With a DUI

Even a single DUI can increase your Eugene, OR car insurance rates. Compare rates below to see which Eugene car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Eugene, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,444
American Family $4,207
Farmers $3,636
GEICO $3,980
Liberty Mutual $4,634
Nationwide $3,559
Progressive $3,142
State Farm $2,552
Travelers $2,941
USAA $3,551

Eugene, OR Car Insurance Rates by ZIP Code

Just like Eugene car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Eugene, OR car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Eugene, Oregon

ZIP Code Average Annual Rates
97401 $2,890
97402 $2,929
97403 $2,909
97404 $2,923
97405 $2,944

Eugene, OR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Eugene, OR car insurance rates may be. Let’s take a look at average car insurance rates from top Eugene companies based on commute time.

Annual Car Insurance Rates by Commute Length in Eugene, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,953 $3,953
American Family $3,087 $3,183
Farmers $3,420 $3,420
GEICO $2,823 $2,914
Liberty Mutual $4,073 $4,073
Nationwide $2,782 $2,782
Progressive $3,234 $3,234
State Farm $2,544 $2,680
Travelers $2,435 $2,636
USAA $2,443 $2,587

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Eugene, OR Cheapest Car Insurance Rates

How do the top Eugene, Oregon car insurance companies’ average rates stack up against the Eugene average monthly car insurance rates of $259? Take a look and see.

Best Annual Car Insurance Rates by Company in Eugene, Oregon

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation USAA

Eugene, OR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Eugene, Oregon car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Eugene, Oregon

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

Other Factors Affecting Eugene, OR Car Insurance Rates

Before you buy Eugene, Oregon car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Eugene, OR Car Theft Rates

The car theft rate in Eugene, OR will affect your car insurance rates. FBI data shows that the annual car theft rate for Eugene, Oregon is 542 stolen cars.

Eugene, OR Commute Time

How does your Eugene, OR commute time compare with the average driver? In Eugene, the average commute is 18.6 minutes.

Eugene, OR Traffic

Spending time in Eugene traffic can lead to higher car insurance rates. According to INRIX data, Eugene, OR ranks as the 632nd-most congested with traffic in the world.

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Eugene, OR Car Insurance Quotes

Compare Eugene, OR car insurance quotes from multiple companies by entering your ZIP code now.