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How much is car insurance in Eugene?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Eugene is about $15 a month cheaper than it is for the rest of Oregon.
Similarly, car insurance rates in Eugene are often favorable when viewed against the rest of the country. You can expect to pay about $5 below the national average for auto insurance in Eugene.
Although these are the average monthly costs for an auto insurance policy in Eugene, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Eugene residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $64 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement in Eugene.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Eugene, however, both pay the same monthly amount to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Eugene, drivers with one accident on their record will experience rates around $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $108 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$71|
According to the first table above, the cheapest vehicles to insure in Eugene are typically trucks and vans, at $65 per month.
SUV drivers will see rates of about $75, while the rates for car owners average out to about $77 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Eugene, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
As you can see in the table above, married couples pay about the same rate as single drivers in Eugene.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
Your living situation is another factor that affects your monthly rate. In Eugene, homeowners can expect to pay around $23 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Eugene, OR
Recent trends in car insurance for Eugene drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for car insurance in Eugene rose from 2016-2017, when they reached a high of $88, but began to decrease from 2018-2019. They finished down in 2021, at $48 per month.
How does Eugene compare to neighboring areas?
Why are car insurance rates in Eugene different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the community
- Number of car accidents
- Area regulations
- Availability of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Eugene?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Eugene.
Eugene Insurance FAQs
What factors affect car insurance quotes in Eugene?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Eugene different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Eugene?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Eugene?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Eugene or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.