Eugene's average full coverage car insurance costs $108 per month. Rates range from $104 to $295. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Eugene, OR, Car Insurance
Updated: January 17, 2025
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Cheapest Car Insurance in Eugene: Key Takeaways
Kemper and Progressive are the most affordable car insurance companies in Eugene.
Kemper provides the cheapest car insurance rates, with $36 monthly for minimum coverage and $58 for full coverage.
The average monthly cost of car insurance is $65 for minimum coverage and $108 for full coverage.
Car Insurance Quotes in Eugene, OR
| Young Drivers | $70 | $122 |
| Teens | No Data | $295 |
| Seniors | $64 | $104 |
| Drivers With an Accident | $87 | $150 |
| Drivers With a Speeding Ticket | $78 | $133 |
| Drivers With a DUI | $90 | $152 |
| Bad Credit | $101 | $171 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Eugene vs. State Average
Oregon
State Average Full Coverage Rate
$1,513
Eugene, OR
City Average Full Coverage Rate
$1,297Eugene Car Insurance is Cheap:$216 saved
This is 14% less expensive.
What Is the Average Car Insurance Rate in Eugene?
Eugene's full coverage car insurance averages $1,297 per year, while minimum coverage costs about $781. These rates are lower than Oregon's averages of $1,513 and $909, respectively.
| State Average | $909 | $1,513 |
| Eugene Average | $781 | $1,297 |
Cheapest Car Insurance Companies in Eugene
While car insurance premiums may rise across Oregon, you can still find affordable options in Eugene. Kemper offers the cheapest minimum coverage at just $36 per month and full coverage at $58.
WHY CAR INSURANCE IN EUGENE IS CHEAPER
Car insurance is mostly cheaper in Eugene due to its lower population density compared to cities of its size. This often results in lower accident and crime rates within an area.
Cheap Car Insurance in Eugene
Kemper often has the cheapest car insurance in Eugene, but costs vary by driver. The best way to find affordable rates is to get quotes from multiple insurers. The table below highlights the lowest rates for different driver profiles.
| Kemper | Minimum Coverage | $36 |
| Kemper | Full Coverage | $58 |
| State Farm | Teens | $153 |
| Kemper | Young Adults | $46 |
| Kemper | Seniors | $49 |
| Kemper | Bad Credit | $78 |
| Progressive | Drivers With a DUI | $72 |
| Kemper | Drivers With an Accident | $63 |
| Kemper | Drivers With a Speeding Ticket | $57 |
Car Insurance Rates in Eugene by Company
Compare rates to get the cheapest car insurance. We show you the most affordable minimum and full coverage plans in Eugene.
Cheapest Car Insurance Companies for Minimum Coverage in Eugene
Kemper offers the cheapest minimum coverage auto insurance in Eugene at $36 per month, followed by Travelers at $42. The table below breaks down the affordable options.
| Kemper | $36 | $29 |
| Travelers | $42 | $23 |
| Progressive | $45 | $20 |
| State Farm | $46 | $20 |
| CIG | $47 | $18 |
| GEICO | $50 | $15 |
| American Family | $56 | $9 |
| Nationwide | $56 | $9 |
| Farmers | $58 | $7 |
| COUNTRY Financial | $59 | $6 |
Cheapest Car Insurance Companies for Full Coverage in Eugene
Kemper offers the cheapest full coverage car insurance in Eugene at $58 monthly. Below is a list of other providers to consider.
| Kemper | $58 | $50 |
| Travelers | $73 | $35 |
| Progressive | $81 | $27 |
| American Family | $81 | $27 |
| CIG | $89 | $19 |
| State Farm | $91 | $18 |
| Nationwide | $91 | $18 |
| GEICO | $93 | $15 |
| Farmers | $99 | $9 |
| COUNTRY Financial | $102 | $6 |
Car Insurance Companies in Eugene
Kemper offers the cheapest car insurance in Eugene at $566 annually. CIG is the best-rated, with a MoneyGeek score of 89 out of 100. Check the table below for more options.
| CIG | 89 | $813 |
| American Family | 82 | $824 |
| State Farm | 73 | $816 |
| COUNTRY Financial | 67 | $962 |
| Nationwide | 67 | $882 |
| Travelers | 67 | $692 |
| Progressive | 63 | $760 |
| GEICO | 63 | $858 |
| Farmers | 62 | $943 |
| Kemper | 57 | $566 |
| Allstate | 53 | $1,516 |
| Dairyland | No Data | $2,835 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Eugene by Age
Drivers in their early 20s pay Eugene's lowest car insurance rates, averaging $1,008 per year for 21-year-olds and $1,069 for 24-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $1,665 | $27 |
| 17 | $1,582 | $111 |
| 18 | $1,327 | $365 |
| 19 | $1,275 | $417 |
| 20 | $1,337 | $356 |
| 21 | $1,008 | $685 |
| 22 | $1,095 | $597 |
| 23 | $1,131 | $561 |
| 24 | $1,069 | $623 |
| 25 | $1,465 | $104 |
| 40 | $1,297 | $273 |
| 65 | $1,252 | $317 |
Cheapest Car Insurance for Teens in Eugene
Nationwide offers the cheapest overall car insurance for teens in Eugene at a monthly family rate of $88, saving $34 compared to the state average. The table below lists some of the most affordable providers for this age group.
| Nationwide | $88 | $34 | $230 |
| State Farm | $92 | $30 | $153 |
| Allstate | $104 | $18 | $346 |
| Travelers | $112 | $10 | $240 |
| Kemper | $119 | $3 | $290 |
| GEICO | $131 | $-9 | $282 |
| Progressive | $138 | $-16 | $425 |
| Farmers | $141 | $-19 | $455 |
| CIG | $172 | $-50 | $232 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Eugene
Kemper offers the lowest monthly rates for young drivers in Eugene: $33 for minimum coverage and $58 for full coverage. The table below compares low-cost options across different driver profiles.
| Kemper | Minimum Coverage | $33 |
| Kemper | Full Coverage | $58 |
| Kemper | Bad Credit | $73 |
| Progressive | Drivers With a DUI | $81 |
| Kemper | Drivers With an Accident | $61 |
| Kemper | Drivers With a Speeding Ticket | $56 |
Cheapest Car Insurance Companies for Young Drivers in Eugene
Kemper offers the most affordable auto insurance for young drivers in Eugene at $46 per month. The table below shows other companies with competitive rates.
| Kemper | $46 | $50 |
| Travelers | $66 | $30 |
| Progressive | $71 | $25 |
| American Family | $75 | $21 |
| State Farm | $77 | $19 |
| COUNTRY Financial | $79 | $17 |
| GEICO | $86 | $10 |
| CIG | $87 | $9 |
| Nationwide | $91 | $5 |
| Farmers | $94 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Eugene
Kemper and State Farm offer the most affordable car insurance for seniors in Eugene. The table below shows the cheapest providers for different driver and coverage profiles.
| Kemper | Minimum Coverage | $38 |
| Kemper | Full Coverage | $61 |
| Kemper | Bad Credit | $80 |
| State Farm | Drivers With a DUI | $71 |
| Kemper | Drivers With an Accident | $67 |
| Kemper | Drivers With a Speeding Ticket | $61 |
Cheapest Car Insurance for Seniors in Eugene
Kemper offers the cheapest monthly premium for seniors, $49, for minimum and full coverage policies. Travelers follows at $59. The table below shows the top car insurance providers for seniors in Eugene.
| Kemper | $49 | $35 |
| Travelers | $59 | $25 |
| Progressive | $61 | $23 |
| CIG | $62 | $23 |
| State Farm | $64 | $21 |
| GEICO | $65 | $19 |
| American Family | $67 | $17 |
| COUNTRY Financial | $67 | $17 |
| Nationwide | $72 | $13 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Eugene
Eugene's car insurance rates for high-risk drivers are lower than the state averages. The average cost of minimum coverage is $1,017, and full coverage is $1,741. Drivers with bad credit and DUIs face the highest rates, while accidents and speeding tickets have a smaller impact on costs.
| State Average | $1,205 | $2,055 |
| Eugene Average | $1,017 | $1,741 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, can affect your insurance for about three years. For serious offenses, such as a DUI, insurers may consider them longer, often up to five years or more. These serious offenses might also mean you must file an SR-22 to meet Oregon's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Eugene
Progressive offers the cheapest car insurance for drivers with a DUI at $602 per year for minimum coverage and $1,140 for full coverage. Check out the table below for more low-cost options.
| Progressive | $50 | $95 |
| State Farm | $51 | $101 |
| CIG | $65 | $127 |
| American Family | $66 | $97 |
| Travelers | $67 | $117 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Eugene
Kemper, CIG and Travelers are the cheapest auto insurance after an at-fault accident in Eugene, charging around $49 to $60 monthly for minimum coverage. The table below shows various providers offering affordable coverage.
| Kemper | $49 | $77 |
| CIG | $55 | $113 |
| Travelers | $60 | $105 |
| State Farm | $61 | $117 |
| COUNTRY Financial | $61 | $133 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Eugene
Kemper is the cheapest car insurance provider for drivers with speeding tickets in Eugene at $44 for minimum coverage and $71 for full coverage. Check the table below to see how much other providers charge drivers with speeding tickets.
| Kemper | $44 | $71 |
| CIG | $51 | $104 |
| State Farm | $51 | $101 |
| Progressive | $55 | $107 |
| Travelers | $57 | $101 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Eugene
Progressive offers the most affordable rates for drivers with bad credit in Eugene, with minimum coverage at $59 monthly. Kemper leads in full coverage, costing $95. See the table below for other affordable options.
| Progressive | $59 | $124 |
| Kemper | $60 | $95 |
| CIG | $68 | $125 |
| Travelers | $76 | $122 |
| GEICO | $76 | $146 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Eugene, OR
Oregon mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
For example, if you're in an accident and someone is injured, your policy covers up to $25,000 per person for bodily injuries.
Cheap Car Insurance in Eugene: Bottom Line
Kemper offers the cheapest car insurance in Eugene, with minimum coverage at $36 and full coverage at $58. Affordable options are available for drivers of all ages and credit histories. Ensure your policy includes Oregon’s required coverages: bodily injury, property damage, personal injury protection and uninsured motorist coverage. Compare providers to find budget-friendly rates that keep you covered and compliant with state laws.
Eugene Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Eugene.
What is the cheapest car insurance company in Eugene, OR?
Kemper offers the most affordable car insurance in Eugene, Oregon. With monthly rates for minimum coverage at $36, you can save an average of $29.
What is the best car insurance company in Eugene, OR?
CIG is the top car insurance provider in Eugene, Oregon, with a MoneyGeek score of 89 out of 100 and an annual premium of $813 for full coverage.
How much does car insurance cost on average in Eugene, OR?
In Eugene, Oregon, monthly car insurance rates for minimum coverage range from $64 to $101.
Best Cheap Car Insurance in Eugene: Our Methodology
MoneyGeek analyzed Eugene auto insurance prices using the Oregon Division of Financial Regulation and Quadrant Information Services data.
Eugene Driver Profile
To assess the best and most affordable auto insurance options for Eugene residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Eugene
In assessing the car insurance quotes for Eugene, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Oregon's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Oregon providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Eugene
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Eugene for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more information on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.