Cheapest Car Insurance In Eugene, OR 2024
At $40 a month on average, Progressive is the most budget-friendly choice for minimum car insurance coverage in Eugene.
We’ve saved shoppers an average of $600 per year on their car insurance.
While exploring cheap car insurance in Eugene, OR, you’ll notice that the choices can differ a lot.
Progressive is the best bet for cheap liability-only coverage. Country Financial, however, offers the best pricing on full coverage, and young drivers will find Kemper to be the most economical option.
Cheapest Car Insurance Companies In Eugene, OR
Cheapest Liability-only Car Insurance In Eugene: Progressive
Progressive delivers the cheapest car insurance for minimum coverage in Eugene, with rates averaging $40 a month.
Take a look at the table below to see rate comparisons for different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $40 | $484 |
| Travelers | $43 | $521 |
| Kemper | $47 | $565 |
| State Farm | $47 | $559 |
| Country Financial | $41 | $492 |
Cheapest Full Coverage Insurance Rates In Eugene: Country Financial
Country Financial delivers the lowest full coverage car insurance rates in Eugene, averaging $78 per month.
The table below lists average auto insurance quotes from the most affordable insurers in Eugene.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $78 | $932 |
| Progressive | $82 | $984 |
| Kemper | $81 | $970 |
| Nationwide | $86 | $1,029 |
| State Farm | $91 | $1,088 |
Cheapest Car Insurance Rates For Seniors: Country Financial
With an average rate of $68 per month, Country Financial has the most affordable car insurance for seniors in Eugene.
See the table below for average quotes from low-cost auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $68 | $820 |
| GEICO | $85 | $1,014 |
| Progressive | $81 | $968 |
| State Farm | $85 | $1,025 |
| Kemper | $89 | $1,067 |
Cheapest Rates In Eugene For Teenagers: State Farm
For teens in Eugene, the cheapest insurance rates come from State Farm, averaging $91 a month.
See the table below for a comparison of the companies with the lowest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $91 | $1,093 |
| Allstate | $108 | $1,298 |
| Progressive | $149 | $1,792 |
| Kemper | $126 | $1,508 |
| GEICO | $165 | $1,980 |
Cheapest Auto Insurance For Young Adults in Eugene: Kemper
The cheapest car insurance for young adults in Eugene comes from Kemper, with average rates of $86 per month.
The table below shows a comparison of the most budget-friendly auto insurance rates for young adults in Eugene.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $86 | $1,031 |
| GEICO | $113 | $1,350 |
| Progressive | $99 | $1,190 |
| Allstate | $165 | $1,974 |
| State Farm | $104 | $1,253 |
Cheapest Car Insurance In Eugene For Good Drivers: Progressive
Progressive provides the cheapest car insurance for safe drivers in Eugene, with typical premiums of $40 a month.
Safe drivers can use the table below to find the average rates from the lowest-cost insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $40 | $484 |
| Travelers | $43 | $521 |
| Kemper | $47 | $565 |
| State Farm | $47 | $559 |
| Country Financial | $41 | $492 |
Find affordable Eugene rates
Cheapest Car Insurance In Eugene After A Speeding Ticket: Country Financial
For drivers with a speeding ticket, Country Financial offers some of the cheapest rates in Eugene, averaging $99 per month.
Use the table below to check out average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $99 | $1,197 |
| Kemper | $101 | $1,214 |
| Nationwide | $107 | $1,278 |
| Allstate | $179 | $2,144 |
| State Farm | $103 | $1,230 |
Cheapest For Drivers With After At-Fault Accident: Travelers
Travelers is the most budget-friendly option for drivers with an at-fault accident, offering average rates of $107 a month.
These are the car insurance companies with the best rates for drivers who have an at-fault accident in their history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $107 | $1,299 |
| State Farm | $117 | $1,409 |
| Kemper | $113 | $1,360 |
| GEICO | $166 | $1,988 |
| Allstate | $216 | $2,596 |
Cheapest Rates In Eugene For Drivers After A DUI: Progressive
For drivers with a DUI, Progressive offers the best rates in Eugene, with average premiums of $97 monthly.
The table below highlights the most cost-effective rates for drivers in Eugene who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $97 | $1,165 |
| State Farm | $102 | $1,220 |
| Farmers | $141 | $1,690 |
| GEICO | $213 | $2,550 |
| Allstate | $198 | $2,370 |
Best Car Insurance Companies In Eugene
Drivers in Eugene can find the most budget-friendly coverage through Progressive, priced at $40 a month. Country Financial at $41 and Kemper at $47 are other affordable options.
The top 10 car insurance providers in Eugene, OR, are listed below, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Progressive | $40 |
| Country Financial | $41 |
| Kemper | $47 |
| State Farm | $47 |
| Travelers | $43 |
| Nationwide | $55 |
| GEICO | $52 |
| Farmers | $57 |
| American Family | $60 |
| CIG | $44 |
Average Auto Insurance Rates In Eugene – By Age
Age is an important factor when determining car insurance premiums. Younger drivers, who are statistically more likely to get into accidents and violations, usually face higher rates. Teen drivers can expect to pay about $3,000 annually for car insurance.
Insurance rates usually go down when drivers hit 25, assuming their driving record remains free of violations.
The best insurance rates are often found for drivers in their 50s and early 60s, as age is used to evaluate both experience and risk, impacting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,000 |
| 20s | $1,782 |
| 30s | $1,126 |
| 40s | $1,260 |
| 50s | $1,020 |
| 60s | $880 |
| 70s | $1,140 |
Average Rates In Eugene – By Vehicle
Car insurance premiums are influenced by the type of vehicle you drive, including the make, model, year, and body type. Typically, newer cars, especially luxury models, cost more to insure because of their advanced technology and higher replacement expenses.
You can refer to the table below to compare average rates for different vehicles in Eugene.
| Vehicle | Average Monthly Rate |
| Honda Odessy | $89 |
| Chevrolet Colorado | $160 |
| Kia Spectra | $221 |
| Hyundai Accent | $120 |
| Nissan Altima | $140 |
How Much Is Car Insurance In Other Cities In Oregon?
Car insurance rates are influenced by where you live. Factors like the risk of accidents, vehicle theft, and vandalism, which are higher in urban areas, can lead to higher premiums.
For example, the average car insurance premium in Beaverton is about $148 per month, whereas in Roseburg, it’s around $91 per month.
| City | Average Monthly Rate |
| Beaverton | $148 |
| Klamath Falls | $104 |
| Lake Oswego | $133 |
| Medford | $107 |
| Albany | $101 |
| Roseburg | $91 |
| Bend | $93 |
| Corvallis | $112 |
| Hillsboro | $138 |
| Salem | $134 |
Average Cost Of Auto Insurance In Eugene – By Zip Code
Your zip code helps insurance companies determine the crime risk in your area, which affects the rates you’ll pay for car insurance.
The table below displays the average car insurance rates for each zip code in Eugene.
| City | Average Monthly Rate |
| 97403 | $188 |
| 97408 | $125 |
| 97477 | $86 |
| 97404 | $113 |
| 97401 | $112 |
Find affordable Eugene rates
Our Methodology
Drawing from a detailed analysis of factors like customer service, product options, pricing, and insights from online reviews and user feedback, I’ve crafted a comprehensive picture of car insurance providers in Eugene, OR.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Eugene?
Progressive has the lowest rates for minimum coverage in Eugene, while Country Financial offers the best value for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Eugene?
In Eugene, the average car insurance premium is about $110 per month, with rates influenced by your zip code, vehicle year and model, and driving history.
