Car Insurance in Eugene, Oregon – 2022 Rates + Cheapest Models

How much does auto insurance cost in Eugene, OR? We break down six different automotive segments to find the vehicles with the cheapest Eugene car insurance quotes.

Start QuoteCompare Eugene car insurance rates and save on your next policy.

  • Average car insurance cost in Eugene is $1,292 per year, which is 17.5% less than the national average rate of $1,567.
  • Monthly car insurance rates for a few popular models in Eugene include the Nissan Sentra at $105, Ford Escape at $106, and Honda Civic at $107.
  • Models like the Nissan Kicks, Honda Passport, and Buick Envision 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 Subaru Legacy, Mazda CX-5, Subaru Impreza, and Honda Passport.

How much is car insurance in Eugene, OR?

In Eugene, the average cost to insure a vehicle is $1,292 per year, which is 17.5% less than the U.S. overall average rate of $1,567. Per month, Eugene car insurance costs around $108 for full coverage.

Average car insurance cost in Oregon is $1,276 per year, so Eugene, OR, drivers pay an average of $16 more 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 $210 per year cheaper than in Salem, $432 per year less than in Portland, and $584 per year cheaper than in Gresham.

The next chart shows average auto insurance rates in Eugene, OR, for 2022 model year vehicles not only by driver age, but also by comprehensive and collision deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Eugene car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Eugene zip codes.Data last updated on August 29, 2022
Average Car Insurance Cost in Eugene, OR
Average Car Insurance Cost in Eugene, OR
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,180$182
$500$2,566$214
$250$2,974$248
30$1,000$1,142$95
$500$1,360$113
$250$1,586$132
40$1,000$1,094$91
$500$1,292$108
$250$1,500$125
50$1,000$998$83
$500$1,178$98
$250$1,364$114
60$1,000$980$82
$500$1,156$96
$250$1,338$112

Average car insurance rates in the prior chart range from $980 per year for a policy with high physical damage deductibles for a 60-year-old driver to $2,974 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 $82 to $248.

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 – $4,630 per year or $386 per month
  • 17-year-old driver – $4,322 per year or $360 per month
  • 18-year-old driver – $4,036 per year or $336 per month
  • 19-year-old driver – $3,652 per year or $304 per month
  • 20-year-old driver – $2,566 per year or $214 per month
  • 30-year-old driver – $1,360 per year or $113 per month
  • 40-year-old driver – $1,292 per year or $108 per month
  • 50-year-old driver – $1,178 per year or $98 per month
  • 60-year-old driver – $1,156 per year or $96 per month

The rates referenced earlier in this article are averaged for every 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Eugene car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Eugene Zip Codes.Data last updated on August 29, 2022
Eugene, OR, Car Insurance Rates for Popular Vehicles
Eugene, OR, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,036$86
Honda CR-V$1,132$94
Toyota Tacoma$1,200$100
Chevrolet Equinox$1,210$101
Toyota RAV4$1,220$102
Ford F150$1,250$104
Nissan Rogue$1,266$106
Toyota Camry$1,268$106
Chevrolet Traverse$1,332$111
Hyundai Santa Fe$1,348$112
Ford Mustang$1,364$114
Chevrolet Silverado$1,390$116
Jeep Grand Cherokee$1,426$119
Ram Truck$1,476$123
Jeep Wrangler$1,478$123

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 Nissan Kicks, Mazda CX-5, Buick Encore, and Toyota C-HR.

Average insurance rates for those models cost $1,076 or less per year ($90 per month) to have full coverage.

Other models that are highly ranked in the cost comparison table below are the Buick Envision, Kia Seltos, Hyundai Kona, and Acura RDX.

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 $1,122 or less per year in Eugene.

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

Top 30 Cheapest Automobiles to Insure in Eugene, Oregon
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$982$82
2Nissan Kicks$1,006$84
3Chevrolet Trailblazer$1,012$84
4Honda Passport$1,036$86
5Subaru Crosstrek$1,036$86
6Toyota C-HR$1,062$89
7Chevrolet Colorado$1,066$89
8Buick Encore$1,070$89
9Nissan Rogue Sport$1,076$90
10Hyundai Venue$1,098$92
11Buick Envision$1,100$92
12Kia Seltos$1,100$92
13Ford Maverick$1,104$92
14Acura RDX$1,106$92
15Subaru Ascent$1,108$92
16Toyota Corolla Cross$1,108$92
17Hyundai Kona$1,116$93
18Mazda MX-5 Miata$1,118$93
19Subaru Forester$1,118$93
20Subaru Impreza$1,120$93
21Volkswagen Tiguan$1,122$94
22Chevrolet Spark$1,128$94
23Honda CR-V$1,132$94
24Cadillac XT4$1,134$95
25Mazda CX-30$1,142$95
26Ford Ranger$1,150$96
27Honda HR-V$1,162$97
28Ford Edge$1,164$97
29Ford Ecosport$1,174$98
30Subaru Outback$1,184$99

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
    Top 30 Cheapest Automobiles to Insure in Eugene, Oregon

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Eugene car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Eugene Zip Codes.Data last updated on August 29, 2022
    Average Eugene, Oregon Auto Insurance Rates by Vehicle Segment
    Eugene Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,210$101
    Midsize Pickup$1,240$103
    Minivan$1,300$108
    Midsize SUV$1,308$109
    Compact Car$1,332$111
    Midsize Car$1,346$112
    Half-ton Pickup$1,406$117
    Compact Luxury SUV$1,454$121
    Large SUV$1,458$122
    Compact Luxury Car$1,466$122
    Large Car$1,494$125
    Heavy Duty Pickup$1,542$129
    Midsize Luxury SUV$1,562$130
    Midsize Luxury Car$1,710$143
    Sports Car$1,822$152
    Large Luxury SUV$1,954$163
    Large Luxury Car$2,042$170

    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 Subaru Impreza at $1,120 per year for a full coverage policy to the Toyota Mirai costing $1,670 per year, a difference of $550 within that segment. In the midsize truck segment, insurance rates range from the Chevrolet Colorado at $1,066 per year to the Rivian R1T costing $1,644 per year, a difference of $578 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 Subaru Impreza at $1,120 per year, the Chevrolet Spark at $1,128 per year, and the Volkswagen Golf at $1,242 per year.

    Also ranking well are models like the Honda Insight, Toyota Corolla, Kia K5, and Toyota Camry, with average annual insurance rates of $1,268 per year or less.

    Ranked lower than 10th place, but still in the top 20, models like the Toyota Prius, Kia Forte, Hyundai Veloster, Honda Civic, and Hyundai Accent cost between $1,268 and $1,344 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 $93 per month, depending on the company and your location.

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

    Cheapest Car Insurance in Eugene, Oregon
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,120$93
    Chevrolet SparkCompact$1,128$94
    Volkswagen GolfCompact$1,242$104
    Subaru LegacyMidsize$1,250$104
    Honda InsightMidsize$1,256$105
    Volkswagen JettaCompact$1,258$105
    Nissan SentraCompact$1,262$105
    Toyota CamryMidsize$1,268$106
    Kia K5Midsize$1,272$106
    Toyota CorollaCompact$1,272$106
    Kia RioCompact$1,274$106
    Volkswagen PassatMidsize$1,276$106
    Honda CivicCompact$1,278$107
    Mazda 3Compact$1,288$107
    Mazda 6Midsize$1,288$107
    Toyota PriusCompact$1,290$108
    Hyundai AccentCompact$1,308$109
    Hyundai VelosterCompact$1,320$110
    Kia ForteCompact$1,324$110
    Chevrolet MalibuMidsize$1,344$112

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
      Cheapest Car Insurance in Eugene, Oregon

      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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, Honda Passport, and Mazda CX-5. Auto insurance prices for these vehicles average $1,036 or less per year.

      Not the cheapest in the list, but still ranking well, are models like the Nissan Rogue Sport, Hyundai Venue, Buick Envision, and Toyota C-HR, with average cost of $1,100 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 $82 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 Mazda CX-5 at $982 per year, or $82 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $1,036 per year, or $86 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,296 per year, or $108 per month.

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

      Cheapest SUV Insurance in Eugene, Oregon
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$982$82
      Nissan KicksCompact$1,006$84
      Chevrolet TrailblazerCompact$1,012$84
      Honda PassportMidsize$1,036$86
      Subaru CrosstrekCompact$1,036$86
      Toyota C-HRCompact$1,062$89
      Buick EncoreCompact$1,070$89
      Nissan Rogue SportCompact$1,076$90
      Hyundai VenueCompact$1,098$92
      Buick EnvisionCompact$1,100$92
      Kia SeltosCompact$1,100$92
      Subaru AscentMidsize$1,108$92
      Toyota Corolla CrossCompact$1,108$92
      Hyundai KonaCompact$1,116$93
      Subaru ForesterCompact$1,118$93
      Volkswagen TiguanCompact$1,122$94
      Honda CR-VCompact$1,132$94
      Mazda CX-30Compact$1,142$95
      Honda HR-VCompact$1,162$97
      Ford EdgeMidsize$1,164$97

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
        Cheapest SUV Insurance in Eugene, Oregon

        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 Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model has an average cost of $1,118 per year for full-coverage insurance.

        Other cars that have affordable insurance rates are the Audi TT, Chevrolet Corvette, BMW M3, and Toyota GR Supra, with an average cost of $1,674 per year or less.

        Ranked lower than 10th place, but still in the top 20, models like the Chevrolet Camaro, Lexus LC 500, Lexus RC F, Jaguar F-Type, and Mercedes-Benz AMG GT53 average between $1,674 and $2,132 per year to insure.

        Car insurance for this segment in Eugene for the average driver starts at around $93 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 $1,118 per year ($93 per month) and ending with the Lexus LC 500 at $2,132 per year ($178 per month).

        Cheapest Sports Car Insurance in Eugene, Oregon
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$1,118$93
        Ford MustangSports Car$1,364$114
        BMW Z4Sports Car$1,390$116
        Subaru WRXSports Car$1,472$123
        Toyota GR86Sports Car$1,510$126
        Toyota GR SupraSports Car$1,542$129
        Audi TTSports Car$1,574$131
        Subaru BRZSports Car$1,624$135
        Chevrolet CorvetteSports Car$1,628$136
        BMW M3Sports Car$1,674$140
        Porsche 718Sports Car$1,748$146
        Chevrolet CamaroSports Car$1,792$149
        Lexus RC FSports Car$1,834$153
        Dodge ChallengerSports Car$1,838$153
        Mercedes-Benz AMG GT53Sports Car$1,864$155
        Jaguar F-TypeSports Car$1,954$163
        Porsche TaycanSports Car$2,004$167
        Porsche 911Sports Car$2,054$171
        BMW M4Sports Car$2,058$172
        Lexus LC 500Sports Car$2,132$178

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
          Cheapest Sports Car Insurance in Eugene, Oregon

          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 $1,066 per year. Second place is the Ford Maverick costing $1,104 per year, coming in third is the Ford Ranger, costing an average of $1,150 per year, and fourth place goes to the Toyota Tacoma, costing an average of $1,200 per year.

          Not the cheapest, but still in the top 10, are models like the GMC Canyon, Honda Ridgeline, Hyundai Santa Cruz, and Ford F150, with an average car insurance cost of $1,270 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 $89 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 $89 per month and ending with the GMC Sierra 3500 at $127 per month.

          Cheapest Pickup Insurance in Eugene, Oregon
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Chevrolet ColoradoMidsize$1,066$89
          Ford MaverickMidsize$1,104$92
          Ford RangerMidsize$1,150$96
          Toyota TacomaMidsize$1,200$100
          Nissan FrontierMidsize$1,230$103
          GMC CanyonMidsize$1,244$104
          Hyundai Santa CruzMidsize$1,244$104
          Ford F150Full-size$1,250$104
          Honda RidgelineMidsize$1,258$105
          Jeep GladiatorMidsize$1,270$106
          GMC SierraFull-size$1,314$110
          Nissan TitanFull-size$1,364$114
          Chevrolet SilveradoFull-size$1,390$116
          Toyota TundraFull-size$1,390$116
          Ford F350 Super DutyHeavy Duty$1,406$117
          Chevrolet Silverado HD 3500Heavy Duty$1,412$118
          Nissan Titan XDHeavy Duty$1,452$121
          Ram TruckFull-size$1,476$123
          GMC Sierra 2500 HDHeavy Duty$1,508$126
          GMC Sierra 3500Heavy Duty$1,520$127

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
            Cheapest Pickup Insurance in Eugene, Oregon

            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 ILX at $1,188 per year, Mercedes-Benz A220 at $1,268 per year, BMW 330i at $1,366 per year, and Acura TLX at $1,374 per year.

            Not the cheapest luxury cars to insure, but still affordable, are luxury cars like the BMW 230i, BMW 330e, Lexus RC 300, and Alfa Romeo Giulia, with average insurance cost of $1,432 per year or less.

            Additional 2022 luxury models that rank well include the Genesis G70, Mercedes-Benz AMG CLA35, Audi A4, Audi A3, and Cadillac CT5, which average between $1,432 and $1,502 per year for insurance in Eugene.

            Auto insurance rates in this segment will start around $99 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 ILX at $99 per month and ending with the Audi S3 at $125 per month.

            Cheapest Luxury Car Insurance in Eugene, Oregon
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,188$99
            Mercedes-Benz A220Compact$1,268$106
            BMW 330iCompact$1,366$114
            Acura TLXCompact$1,374$115
            Volvo S60Compact$1,386$116
            BMW 330eCompact$1,392$116
            BMW 228iCompact$1,398$117
            BMW 230iCompact$1,408$117
            Alfa Romeo GiuliaCompact$1,432$119
            Lexus RC 300Midsize$1,432$119
            Cadillac CT4Compact$1,436$120
            Lexus RC 350Compact$1,438$120
            Genesis G70Compact$1,460$122
            Mercedes-Benz AMG CLA35Midsize$1,466$122
            BMW i4Midsize$1,474$123
            Cadillac CT5Midsize$1,480$123
            Audi A3Midsize$1,494$125
            Audi A4Compact$1,498$125
            Mercedes-Benz AMG CLA45Midsize$1,500$125
            Audi S3Compact$1,502$125

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
              Cheapest Luxury Car Insurance in Eugene, Oregon

              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 $1,106 per year, the Cadillac XT4 at $1,134 per year, and the Volvo XC40 at $1,244 per year.

              Other models that rank well include the BMW X1, Lexus NX 350, Lexus UX 200, and Lexus NX 350h, with average rates of $1,322 per year or less.

              In the bottom half of the top 20, SUVs like the Jaguar E-Pace, Lexus RX 350, Lincoln Corsair, Acura MDX, and Lexus RX 450h cost between $1,322 and $1,368 to insure per year.

              Auto insurance for this segment in Eugene for a safe driver starts at around $92 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 $1,106 per year, or $92 per month. For midsize luxury SUVs, the Cadillac XT5 is the cheapest model to insure at $1,270 per year, or $106 per month. And for full-size luxury SUV models, the Volvo XC90 has the cheapest car insurance rates at $1,398 per year, or $117 per month.

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

              Cheapest Luxury SUV Insurance in Eugene, Oregon
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,106$92
              Cadillac XT4Compact$1,134$95
              Volvo XC40Compact$1,244$104
              Cadillac XT5Midsize$1,270$106
              Lexus NX 250Compact$1,286$107
              BMW X1Compact$1,288$107
              Lexus NX 350hCompact$1,294$108
              Lexus UX 250hCompact$1,296$108
              Lexus NX 350Compact$1,316$110
              Lexus UX 200Compact$1,322$110
              Jaguar E-PaceMidsize$1,324$110
              Lexus RX 350Midsize$1,330$111
              Acura MDXMidsize$1,336$111
              Lincoln NautilusMidsize$1,348$112
              Lexus NX 450hCompact$1,352$113
              Mercedes-Benz GLB 250Compact$1,360$113
              Lexus RX 450hMidsize$1,362$114
              Infiniti QX50Midsize$1,366$114
              Land Rover EvoqueCompact$1,366$114
              Lincoln CorsairCompact$1,368$114

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Eugene, OR.Data last updated on August 29, 2022
                Cheapest Luxury SUV Insurance in Eugene, Oregon

                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 $338 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 $600 per year for a 30-year-old driver and even $412 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 $1,508 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 $236 per year for a 40-year-old driver and $456 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 $222 per year on the cost of auto insurance