Eugene, OR Car Insurance

How much does car insurance cost in Eugene?


Car insurance costs an average of $1,325 per year in Eugene, Oregon. That's less than the average across Oregon ($1,463) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Eugene.


CAR INSURANCE: EUGENE RATES VS. STATE + NATIONAL AVERAGES
Eugene Average (per year)Oregon AverageNational Average
$1,325$1,463$1,548

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Eugene auto insurance rates by insurer


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Eugene's cheapest rates. Reference below the top options for affordable insurance in Eugene. Don't forget to get car insurance quotes based on your unique driving profile.


EUGENE AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$879
Country$976
State Farm$1,023
USAA$1,089
Progressive$1,322

Consult our expert guide to finding the best cheap car insurance.



Eugene car insurance premiums by age

Eugene drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,172per year, on average. Those in their age_60s don't pay significantly more ($1,197).

Young drivers aged 16 to 19 pay the most for car insurance in Eugene. When drivers hit their 20s in Eugene and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Eugene is $3,153. That's the biggest gap in premiums between any pair of age brackets.


EUGENE AUTO INSURANCE COSTS BY AGE
Age groupAverage Annual Rate
Teenagers$4,873
20s$1,720
30s$1,308
40s$1,234
50s$1,172
60s$1,197
70s$1,473

Learn more about the impact of age on car insurance premiums.



Eugene car insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Eugene, married motorists pay $79 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Eugene, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Eugene, female drivers pay $65 per year more than do male drivers for car insurance.


INSURANCE RATES IN EUGENE BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,390
Male$1,325
Single$1,246
Married$1,246
Divorced$1,329
Widowed$1,321

Learn more about the impact gender and marital status have on insurance rates.



Eugene car insurance rates by citation and accident history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Eugene drivers found guilty of reckless driving face insurance rate increases of $635 per year, compared to the citywide average. A DUI violation may lead to a $501 increase, while a citation for speeding leads to a $302 rate hike.


EUGENE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$1,826
Reckless Driving$1,960
At-fault Accident (damages < $1,000)$1,849
At-fault Accident (damages > $2,000)$1,969
Speeding Ticket (16-20 mph over speed limit)$1,626

Learn more about the impact of driving violations on car insurance rates.



Eugene car insurance premiums by credit tier


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Eugene drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 59% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Eugene, improving your credit to "Fair" could help you earn a $1,085 decrease in annual car insurance rates.


EUGENE AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$2,670
Fair$1,586
Good$1,325
Very Good$1,207
Exceptional$1,092

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.