Cheap Car Insurance in Eugene, OR
Free Auto Insurance Comparison
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UPDATED: Sep 13, 2021
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In the market for cheap auto insurance in Eugene, OR? From AutoInsuranceEZ.com, you will discover the lowest cost insurance premiums where you live. To receive free car insurance rates available from the top providers today, provide your zipcode in the quote box here on this page.
Eugene currently enjoys the second highest population of any Oregon city. Two of the main economic drivers for the city are the timber and agricultural industries, and Eugene is also a major transportation and trade hub for Oregon’s retail industry. Geographically, Eugene is equidistant from the Pacific Ocean and nearby mountain ranges.
- Fun fact: are we there yet? Because Eugene is #54 on the list of “Top 100 cities with shortest commuting times (pop. 50,000+)”. Learn more about Eugene by visiting here.
Auto Insurance Coverage Requirements in Oregon
Driving legally in Eugene requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||20,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Personal Injury Protection||15,000||15,000 with 0 deductible|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
It should be noted that these minimum requirements are higher and more robust than in most other states. The required amount of Liability coverage is higher, and Uninsured Motorist coverage is also a deviation from most states.
It costs the average driver in Oregon around $111 monthly for their automotive insurance premiums. But living in Eugene means you don’t have to pay nearly as much. In fact, you can get your monthly rate lowered to $41/mo* if you know how to find the right deal. Learn more about getting special deals on Oregon auto insurance.
Grange and Cal Casualty are some of the lowest-priced providers in Eugene today. But a low rate isn’t everything. Sometimes, the company that provides superior customer service and deals with claims efficiently might be worth a few extra dollars per month.
Auto insurance providers evaluate several elements when calculating insurance quotes, such as gender, accident claims, type of vehicle owned, education, and multiple cars and drivers. Also keep in mind that premiums differ from company to company. To find out if you’re still receiving the lowest-cost price, look at cheap Eugene auto insurance prices on the internet.
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Major Car Insurance Factors in Eugene
There is a variety of various items which could factor into the rate quotes you receive. While many specific elements aren’t really anything you can do something about, some of them are factors which you can change for the better. Here are some factors that might alter your automobile insurance premium:
Your Zip Code
For most people, the most affordable auto insurance is generally found in cities with a lesser population density. Since there are less vehicles on the highway, there are a lot fewer possibilities to get into a significant car crash with a different individual. The population of Eugene is in fact 159,190 and also the average household income is $45,573.
Accident rates are quite low in Eugene. This means that insurance rates in your area will be lower than in other cities, where accidents are more common. And you don’t have to do anything to reap the benefits – your provider makes the adjustment automatically.
Auto Thefts in Eugene
Sometimes in smaller cities or outlying towns, car theft can nevertheless be a problem. To make it a smaller problem for you personally, consider investing in a passive anti-theft system within your current vehicle. Your actual auto insurance provider might compensate you with cheaper rates! In Eugene, they had 608 auto thefts in 2013. Keep in mind, Comprehensive coverage is the only type of insurance that pays out auto theft claims.
Your Credit Score
The secret is out: your credit score can have a serious influence on how expensive (or inexpensive) your monthly premiums will be. As demonstrated in the chart below, having poor credit can increase your rate between 100-200% or more, depending on your insurance company (As well as other factors).
The younger you are, and the less experience you have behind the wheel, the more you can expect to pay for your automotive insurance each month. As you can see in the chart below, a teenage driver (without any Good Student or Defensive Driving discounts) has to pay a lot more each month.
Your Driving Record
Accident Forgiveness is a great way to lower your rates if you have a minor citation or two on your record. Those with a clean driving record will pay substantially lower rates than motorists who have speeding tickets, other moving violations, or serious accidents in their recent past. If you have serious violations, such as a DUI, certain companies may refuse to insure you at all.
Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.
Minor Car Insurance Factors in Eugene
Many of these factors below won’t change your rate as much as most people might think it would:
Your Marital Status
For individual policies, marital status will have a 1-2% difference, if it makes one at all. But married couples can save money by bundling their policies together with the same company. Insurance companies frequently give discounts as a reward for bundling multiple policies together.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
For the most part, commuting around Eugene doesn’t take very long. Most drivers report commute times of only 16-21 minutes, with some longer commutes also possible. Nearly 71% of motorists will travel by themselves in their own automobile, while up to 21% might carpool. Less than 5% will use a bicycle.
Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.
Your Coverage and Deductibles
If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.
Education in Eugene, OR
The largest percentage of Eugene residents possess a bachelor’s degree (just under 22%) while a slightly smaller number (20%) have at least one year of college experience. Speaking of being highly educated, did you know that drivers with advanced degrees get offered lower rates on their car insurance premiums? It’s true!
Eugene is the home of the University of Oregon, one of the largest public institutions for higher learning in the state. Nearly 20,000 students enroll each year to pursue an education in architecture, art, science, law, education, and many other fields offered by the university. Then again, if you need a degree in less than four years, Lane Community College can help you earn a vocational or associate’s degree in a fraction of the time.
Ascertaining your own personal financial risk can be extremely challenging or unachievable for the typical insurance consumer. Insurance agencies have an advantage over shoppers because of their research and experiential know-how. Discover that which insurance companies don’t wish for anyone to discover.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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