Eugene Car Insurance

The Zebra
May 30, 2018

Car Insurance in Eugene

On average, premiums in Eugene sit under the state average by 9%. Who doesn't like to save money? Check out some methods to save on car insurance in Eugene.

  • City Average: $1,247
  • State Average: $1,377
  • National Average: $1,427

Eugene Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of 2.3x more on premiums than those in the top credit tier (800-850). Drivers will see the greatest percent decrease in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 20% per year.

  • Very Poor: $2,455
  • Fair: $2,005
  • Good: $1,611
  • Very Good: $1,315
  • Exceptional: $1,087

Ready to start saving?

Location pin icon
Your information is secure.

Eugene Car Insurance by Accident or Violation History

Possessing a spotless driving record is crutial if you want to keep your rates low. $1,056 is the additional cost per year for drivers with a DUI in Eugene, compared to the city average of $1,247. Reckless driving will bump your premiums up as well, with average rates of $2,186, which are 75% higher than the city average! Nobody plans on getting into an accident, but things happen, so be aware of how your rates can change after one. If you are found at-fault in an accident in Eugene, you can expect your annual car insurance premiums to grow by 56%.

  • DUI: $2,303
  • Reckless Driving: $2,186
  • At-fault Accident (damages less than $1000): $1,948
  • At-fault Accident (damages greater than $2000): $1,948
  • Speeding Ticket (16-20 mph over speed limit): $1,551

Eugene Car Insurance by Age

When Eugene drivers hit their 20s, therefore moving out of the teenage age bracket, they pay $3,523 less in premiums, which is the biggest difference you'll see between any age group. In Eugene, turning 60 means an increase in premiums. Up until then, transitioning between age groups means decreasing prices. With rates of $5,184 on average, teenage drivers pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the lowest rates, with rates of $1,103/year. However, those in their 60s ($1,122) aren’t paying significantly more.

  • Teenagers: $5,184
  • 20s: $1,661
  • 30s: $1,234
  • 40s: $1,170
  • 50s: $1,103
  • 60s: $1,122
  • 70s: $1,382

Eugene Car Insurance by Gender and Marital Status

In Eugene, both gender and marital status have an effect on your car insurance premiums. Premiums for women tend to be 4% more costly than for men. You can save close to 4% per year if you're married as opposed to single. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single.

  • Female: $1,291
  • Male: $1,247
  • Single: $1,247
  • Married: $1,203
  • Divorced: $1,251
  • Widowed: $1,250