Car Insurance in Eugene, Oregon – 2025 Rates + Cheapest Models

• Average car insurance cost in Eugene is $2,222 per year, which is 2.4% less than the national average rate of $2,276.
• Monthly car insurance rates for a few popular models in Eugene include the Nissan Sentra at $170, Ford Escape at $169, and Honda Civic at $164.
• Models like the Chevrolet Trailblazer, Nissan Kicks, and Volkswagen Tiguan are some of the best options for cheap car insurance in Eugene.
• A few models with the most affordable auto insurance in their segment include the Kia K5, Subaru Crosstrek, Toyota GR Corolla, and Honda Passport.

How much is car insurance in Eugene, OR?

In Eugene, the average cost to insure a vehicle is $2,222 per year, which is 2.4% less than the U.S. overall average rate of $2,276. Per month, Eugene car insurance costs around $185 for full coverage.

Average car insurance cost in Oregon is $2,404 per year, so Eugene, OR, drivers pay an average of $182 less per year than the overall Oregon state-wide average rate. The cost to insure a car in Eugene compared to other Oregon locations is approximately $216 per year cheaper than in Salem, $444 per year less than in Portland, and $598 per year cheaper than in Gresham.

The next chart shows average auto insurance rates in Eugene, OR, for 2024 model year vehicles not only by driver age, but also by comprehensive and collision deductibles.

Average car insurance rates in the prior chart range from $1,558 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,192 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

From a monthly budgeting standpoint, the average cost of car insurance per month in Eugene ranges from $130 to $433.

Driver age has the single biggest impact on the price of auto insurance, so the list below details how age impacts cost by showing average car insurance rates for drivers from 16 to 60.

Car insurance cost in Eugene, Oregon, for drivers age 16 to 60

• 16-year-old driver – $7,905 per year or $659 per month
• 17-year-old driver – $7,658 per year or $638 per month
• 18-year-old driver – $6,865 per year or $572 per month
• 19-year-old driver – $6,252 per year or $521 per month
• 20-year-old driver – $4,464 per year or $372 per month
• 30-year-old driver – $2,368 per year or $197 per month
• 40-year-old driver – $2,222 per year or $185 per month
• 50-year-old driver – $1,966 per year or $164 per month
• 60-year-old driver – $1,842 per year or $154 per month

Eugene’s favorite vehicles and the cost to insure them

The rates referenced earlier in this article are averaged for every 2024 model year vehicle, which is practical for making broad comparisons such as between locations or by driver risk profile.

But for more useful auto insurance rate comparisons, the cost data will be more precise if we instead use rates for the specific model of vehicle being insured. In the next few article sections, we explore all kinds of rates for all different kinds of vehicles, but for now, we will explore just a few popular models to see how car insurance prices size up in Eugene.

The chart below details average car insurance rates for the more popular vehicles on the streets and highways of Eugene.

Which vehicles cost the least to insure in Eugene, OR?

The vehicles with the cheapest insurance prices in Eugene, OR, tend to be crossover SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Buick Envision.

Average insurance rates for those models cost $1,802 or less per year ($150 per month) to have full coverage.

Other models that are highly ranked in the cost comparison table below are the Volkswagen Tiguan, Acura RDX, Buick Envista, and Buick Encore.

Insurance is somewhat higher for those models than the small SUVs and crossovers at the top of the rankings, but they still have an average insurance cost of $1,930 or less per year in Eugene.

The next table shows the top 30 cheapest vehicles to insure in Eugene, ordered by annual cost.

The above table containing 30 vehicle models with cheap Eugene car insurance is great if you’re just looking for low rates. A more efficient way to rank auto insurance rates for more vehicles in an organized fashion is to organize them by automotive segment.

This next article section illustrates the average price of car insurance in Eugene for each vehicle segment. The rates shown in the chart will provide a good understanding of which vehicles have the most affordable average auto insurance rates. The sections after the chart display the most affordable rates for individual models in each individual segment.

Eugene auto insurance rates by automotive segment

When car shopping, it’s a good idea to have a basic understanding of which styles of vehicles have cheaper car insurance rates in Eugene. As an example, maybe you’re curious if compact cars have more affordable insurance than midsize cars or if sports cars have more expensive auto insurance than regular cars.

The next chart shows the average car insurance cost in Eugene for each automotive segment. When comparing rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the best rates, with luxury cars and sports cars having the highest average insurance cost.

Average insurance rates by segment are good enough for getting a ballpark comparison, but the insurance cost for specific vehicles ranges substantially within each of the segments listed in the above chart.

For example, in the small car segment, average Eugene auto insurance rates range from the Toyota GR Corolla at $1,930 per year for a full coverage policy to the Toyota Mirai costing $2,760 per year, a difference of $830 within that segment. In the midsize truck segment, insurance rates range from the Chevrolet Colorado at $1,954 per year to the Rivian R1T costing $2,768 per year, a difference of $814 within that segment.

In the next sections of the article, we eliminate a lot of this variability by comparing the cost of car insurance in Eugene for specific makes and models of vehicles.

Cheapest car insurance rates in Eugene, OR

The three top-ranked non-luxury sedans with the most affordable auto insurance in Eugene are the Toyota GR Corolla at $1,930 per year, the Nissan Leaf at $1,942 per year, and the Honda Civic at $1,964 per year.

Also ranking well are models like the Toyota Prius, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,164 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Mitsubishi Mirage G4, Hyundai Sonata, Toyota Crown, Nissan Versa, and Volkswagen Jetta cost between $2,164 and $2,296 per year for insurance.

As a cost per month, full-coverage insurance in Eugene on this segment for the average driver can cost as low as $161 per month, depending on the company and your location.

The next table ranks the twenty cars with the cheapest car insurance rates in Eugene.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Oregon.

Cheapest SUVs to insure in Eugene

Ranking at the top for the lowest-cost Eugene auto insurance rates in the non-luxury SUV segment are the Kia Soul, Honda Passport, Chevrolet Trailblazer, Nissan Kicks, and Subaru Crosstrek. Auto insurance prices for these vehicles average $1,766 or less per year.

Not the cheapest in the list, but still ranking well, are models like the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Buick Envision, with average cost of $1,818 per year or less.

From a monthly standpoint, full-coverage auto insurance in this segment for a middle-age safe driver starts at an average of $137 per month, depending on the company and where you live.

If SUV size is considered, the lowest-cost non-luxury compact SUV to insure in Eugene is the Subaru Crosstrek at $1,640 per year, or $137 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $1,766 per year, or $147 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,084 per year, or $174 per month.

The comparison table below ranks the twenty SUVs with the lowest-cost insurance rates in Eugene.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Eugene car insurance quotes from top auto insurance companies in Oregon.

Cheapest sports cars to insure in Eugene, OR

The Mazda MX-5 Miata ranks in the top spot for the most budget-friendly sports car to insure in Eugene, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,054 per year for full-coverage insurance.

Other cars that have affordable insurance rates are the BMW M2, Lexus RC F, Subaru BRZ, and Toyota GR Supra, with an average cost of $2,652 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Porsche 718, Porsche Taycan, Chevrolet Camaro, BMW M4, and Porsche 911 average between $2,652 and $3,758 per year to insure.

Car insurance for this segment in Eugene for the average driver starts at around $171 per month, depending on your location and insurance company. The table below ranks the sports cars with the cheapest car insurance rates in Eugene, starting with the Mazda MX-5 Miata at $2,054 per year ($171 per month) and ending with the Porsche Taycan at $3,758 per year ($313 per month).

Don’t see insurance cost for your sports car? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Oregon.

Cheapest pickup trucks to insure in Eugene

Ranked at #1 in Eugene for cheapest auto insurance rates in the pickup truck segment is the Chevrolet Colorado, with an average cost of $1,954 per year. Second place is the Nissan Titan costing $2,074 per year, coming in third is the Nissan Frontier, costing an average of $2,098 per year, and fourth place goes to the Ford Ranger, costing an average of $2,120 per year.

Not the cheapest, but still in the top 10, are models like the Hyundai Santa Cruz, GMC Sierra 2500 HD, Honda Ridgeline, and Toyota Tacoma, with an average car insurance cost of $2,284 per year or less.

From a cost per month standpoint, auto insurance on this segment in Eugene for a good driver can cost as low as $163 per month, depending on your location and insurance company. The table below ranks the pickups with the most affordable insurance rates in Eugene, starting with the Chevrolet Colorado at $163 per month and ending with the Ram Truck at $214 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Eugene car insurance quotes from top companies in Oregon.

Cheapest luxury cars to insure in Eugene

The four most affordable luxury cars to insure in Eugene are the Acura Integra at $1,972 per year, BMW 330i at $2,260 per year, Mercedes-Benz CLA250 at $2,284 per year, and Lexus IS 300 at $2,288 per year.

Not the cheapest luxury cars to insure, but still affordable, are luxury cars like the Genesis G70, Cadillac CT4, Mercedes-Benz AMG CLA35, and Lexus RC 300, with average insurance cost of $2,334 per year or less.

Additional 2024 luxury models that rank well include the Cadillac CT5, Lexus ES 250, BMW 230i, BMW 228i, and BMW 330e, which average between $2,334 and $2,488 per year for insurance in Eugene.

Auto insurance rates in this segment will start around $164 per month, depending on where you live and the company you use.

The next table ranks the cars with the most affordable car insurance in Eugene, starting with the Acura Integra at $164 per month and ending with the Audi S3 at $207 per month.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your luxury car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Eugene car insurance quotes from the best auto insurance companies in Oregon.

Cheapest luxury SUV insurance rates in Eugene

The three top-ranked luxury SUVs with the lowest-cost average auto insurance rates in Eugene are the Acura RDX at $1,856 per year, the Lexus NX 250 at $1,964 per year, and the Cadillac XT4 at $2,004 per year.

Other models that rank well include the Lexus NX 350h, Lexus UX 250h, Lexus NX 450h, and Lincoln Corsair, with average rates of $2,140 per year or less.

In the bottom half of the top 20, SUVs like the Infiniti QX50, Mercedes-Benz GLA250, Lexus RX 350, Cadillac XT6, and Acura MDX cost between $2,140 and $2,230 to insure per year.

Auto insurance for this segment in Eugene for a safe driver starts at around $155 per month, depending on the company and your location.

When ranked by vehicle size, the cheapest compact luxury SUV model to insure in Eugene is the Acura RDX at $1,856 per year, or $155 per month. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $2,076 per year, or $173 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,488 per year, or $207 per month.

The next table ranks the luxury SUVs with the cheapest insurance rates in Eugene.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Eugene car insurance quotes from top companies in Oregon.

How to find cheaper Eugene auto insurance

Resourceful drivers should always be looking to reduce the monthly expense for car insurance, so read through the savings tips below and it’s very likely you can save a few dollars on your next renewal or new policy.

• Avoid traffic tickets to pay less. If you want to get affordable auto insurance in Eugene, it’s necessary to obey traffic laws. As a matter of fact, just a couple minor incidents on your driving report have the consequences of raising rates by as much as $588 per year.
• Be a careful driver and pay less for insurance in Eugene. Being the cause of frequent accidents will raise rates, potentially by an extra $1,070 per year for a 30-year-old driver and even $668 per year for a 50-year-old driver. So be safe and save.
• Buy vehicles with cheaper auto insurance rates. The make and model of vehicle you drive is an important factor in the price you pay for auto insurance. As an example, a Hyundai Venue costs $2,478 less per year to insure in Eugene than a Audi R8. Drive cheaper models and save money.
• Compare insurance cost before you buy the car. Different cars can have significantly different car insurance rates, and insurers can sell policies with widely varying rates. Get comparison quotes before you buy a new vehicle so you can avoid price shock when insuring your new car.
• Lower policy cost by raising deductibles. Increasing deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Research discounts to lower the cost. Savings may be available if the insureds drive low annual mileage, choose electronic billing, are military or federal employees, are homeowners, or many other discounts which could save the average Eugene driver as much as $378 per year on the cost of auto insurance