Cheapest Auto Insurance in Eugene, Oregon (2025)

Drivers in Eugene can expect to pay an average of $131 per month for full-coverage car insurance and $91 for liability-only coverage. The city’s liability rates are less than both Oregon’s average of $118 and the national average of $143 per month.

Eugene is the third-largest city in Oregon and home to the University of Oregon — both factors that could result in high rates.1 But the city’s 250 miles of bicycle trails and walkable downtown area reduce the number of drivers on the roads, resulting in less frequent accidents and relatively affordable insurance costs. You should compare car insurance quotes from multiple insurers to find the best rate.

Cheapest car insurance companies in Eugene

The cheapest car insurance for one driver may not necessarily be the best option for you — each insurer weighs driving factors differently. It’s important to get quotes from a few companies to ensure they’re not just the cheapest overall but the best for your specific needs.

Here’s a breakdown of some of the best car insurance companies in Eugene.

Best insurer for affordability: Safeco

Best insurer for infrequent drivers: Mile Auto

Best insurer for flexible coverage options: Liberty Mutual

How to get the cheapest car insurance in Eugene

Insurers set premiums by estimating the likelihood you’ll make a claim. They consider various factors in determining the likelihood of a covered incident, such as your age, driving history, and location. You’ll want to do all you can to present a low risk to get the most affordable coverage. Here are some of the steps you can take:

• Shop around. Rates can vary dramatically between insurers. It’s crucial to shop around and get quotes from multiple companies to know you’re getting the best deal for your needs.

• Increase your deductible. Your collision and comprehensive deductibles are an amount you must pay before your insurer pays a covered claim. Increasing your deductible may lower your insurance bill but increase your out-of-pocket costs in the event of an accident. Liability coverage doesn't have a deductible.

• Improve your credit score. Insurers in Oregon can use your credit history when setting rates, and they often perceive people with poor credit as riskier and adjust rates accordingly. Improving your credit history can help lower your insurance costs.

• Apply for discounts. Insurance companies usually offer various discounts that can help you save money on your auto policy, such as good student and defensive driver discounts.

• Bundle your home and auto insurance policies. Many insurers offer discounts if you bundle your auto insurance with homeowners, renters, or life insurance.

Cheapest liability-only car insurance in Eugene: Mile Auto

Liability car insurance helps cover the other driver’s expenses if you cause an accident, such as medical expenses and the cost to repair or replace their vehicle. However, it won’t cover your own vehicle damage and medical expenses.

The cheapest insurer for liability-only car insurance in Eugene is Mile Auto, with an average cost of $62 per month. The table below shows companies offering affordable liability insurance to Eugene drivers.

Cheapest full-coverage car insurance in Eugene: Mile Auto

Full-coverage auto insurance goes beyond the minimum protections required to provide broader protection. A typical full-coverage policy will include both comprehensive and collision coverages. These policies pay for damage to your vehicle from accidents you cause, as well as non-collision events, such as theft, fire, and vandalism.

The cheapest insurer for full-coverage car insurance in Eugene is Mile Auto, with an average cost of $73 per month. You can find other insurers offering affordable full-coverage insurance in the table below.

Car insurance requirements in Oregon

All Oregon drivers must carry liability insurance. These are only minimums, however, and you should consider more coverage to minimize your out-of-pocket expenses after an accident.

Below are the minimum insurance coverage requirements in Oregon:2

In addition to Oregon’s minimum coverage requirements, you should consider the following optional coverages for broader protection on the road:

Cheapest car insurance for drivers with an incident

Drivers with incidents like speeding tickets, driving under the influence, or at-fault accidents on their records will typically see their insurance premiums increase for three to five years. Insurers view these situations as evidence that a motorist is more likely to be in a crash and make a claim for damages.

The premium increases can be substantial after an incident. But some insurers impose smaller premium increases than others, which is why it’s so important to compare insurance companies before buying a policy.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding drivers are more likely to get into an accident, and high-speed accidents are more likely to be serious and costly. As a result, a speeding ticket can lead to higher insurance premiums. The cost increases can vary by insurer, though.

In Eugene, the average cost of car insurance for drivers with speeding tickets is $184 per month for full coverage and $128 for liability policies. The following table illustrates how speeding infractions affect liability car insurance rates from some top insurers serving Eugene drivers.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Having an at-fault accident on your driving record will typically result in your insurer increasing your rates. This is because insurance companies consider drivers who have caused an accident to be higher-risk than drivers with clean records. Purchasing accident forgiveness coverage can help keep your rate steady following your first at-fault accident.

Eugene drivers with at-fault accidents see average monthly rates of $122 for minimum coverage and $176 for full coverage. Here are average liability rates in Eugene for drivers with at-fault accidents.

Cheapest car insurance for drivers with a DUI: Mile Auto

Impaired drivers are far more likely to be in accidents, so it’s not surprising that a DUI can result in a substantial increase in insurance premiums.3 If you're convicted of driving under the influence, your insurer could cancel your policy mid-term, or decide not to renew it at the end of your policy term. Some insurers may refuse to cover you altogether, while some actually specialize in DUI coverage.

A DUI pushes average car insurance rates in Eugene to $163 per month for full coverage and $113 for liability-only policies. Here's how a DUI affects liability rates for Eugene drivers.

Cheapest car insurance for seniors: Mile Auto

Around age 70, car insurance rates begin to increase slightly. Age-related changes in physical and cognitive abilities can put senior drivers at greater risk of getting into an accident.

The average cost of car insurance for senior drivers in Eugene is $75 per month for minimum coverage and $108 for full coverage. Here are average monthly rates from some top Eugene insurers for senior drivers.

Cheapest car insurance for teens: Mile Auto

Teen drivers are statistically the most likely to be in car crashes. Their inexperience and propensity toward dangerous driving behaviors mean teens present a high risk to insurers, so insurers charge them higher premiums.4

Teen drivers can help keep costs down by maintaining a clean driving record, remaining on their parents’ insurance as long as possible, driving a safe car, completing a defensive driving course, and taking advantage of good student discounts. Teens younger than 18 can't legally get their own policies without written consent from a parent or guardian.

In Eugene, teen drivers see average monthly rates of $270 for full coverage and $188 for liability-only policies. Here are some of the average monthly auto insurance quotes for teen drivers in Eugene.

Eugene car insurance quotes by credit tier

Oregon law prohibits insurers from canceling auto insurance policies due to bad credit but allows insurers to take credit history into account when setting premiums for a new policy.5 As the table below shows, drivers with excellent or good credit often pay less than drivers with poor credit.

Is car insurance more expensive in Eugene?

No, auto insurance is generally less expensive for Eugene drivers than in many other parts of the U.S. On average, Eugene drivers pay $111 for car insurance, less than the state average of $118 and the national average of $143.

More cities in Oregon

Driver demographics and local accident rates can both affect auto insurance costs. More densely populated cities tend to have more expensive premiums than rural areas. The table below shows how costs compare in different Oregon areas.

Eugene car insurance FAQs