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Get Cheap Car Insurance in Fairmount, Eugene, OR

We monitor insurance prices, helping the average driver in Fairmount save up to 34.7% on car insurance.

 

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The Cheapest Minimum Coverage in Fairmount

The chart below shows the cheapest car insurance company in Fairmount for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Country Financial, and Travelers.

 
Fairmount Insurer Monthly Cost
Metromile $67
State Farm $67
Country Financial $75
Travelers $77

Savings for Every Kind of Fairmount Driver

The table shows how much the average auto insurance customer in Fairmount might save by following our recommendations.

Based on our extensive insurance data, we know the average Fairmount driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $496 per year by choosing the right vehicle insurance company. Some Fairmount residents are paying out over $1,561 extra every year for auto insurance in Fairmount. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fairmount, Eugene, OR Savings / Yr.
Drivers with good records
$496
Drivers with accidents
$738
Drivers with speeding tickets
$601
Drivers with a DUI conviction
$676
Young drivers
$1,794
Married drivers
$484
Drivers with bad credit
$578

Fairmount Car Insurance vs. Eugene

People living in Fairmount pay an average of 3.51% more than the typical driver in the state. The average driver in Fairmount can expect to pay about $1,205 per year, or $1,561 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Fairmount for most people.

Car Insurance Prices by Fairmount Neighborhood

Fairmount, Eugene, OR map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Fairmount?

The map shows insurance prices in and around Fairmount, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $165 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,611 to a low of $1,446. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Fairmount.

Pick the Best Car Insurance Company for You in Fairmount

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Fairmount insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fairmount

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $496 over the average Fairmount car insurance company.

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We use the average good driver, paying $89 per month, as our baseline for pricing in Fairmount. State Farm, Metromile, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Fairmount drivers with accidents on their records

In Fairmount getting into an accident will raise premiums an average 37% for a yearly cost of $2,471. That's $910 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and Mile Auto are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $738 over the competition.

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The best car insurance company for Fairmount drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $601 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Fairmount, tickets raise premiums on new quotes about $667. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Metromile for savings that beat the average insurance cost of $2,228 per year.

The best auto insurance for Fairmount drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,147 per year in auto insurance premiums, which was $586 more than a driver with no major issues. State Farm, Mile Auto, and Kemper penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $676 less each year.

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The least expensive car insurance company for new and young drivers in Fairmount

In Fairmount, Country Financial costs young drivers $1,794 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Fairmount. With an average cost of $5,174 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Fairmount

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $87. State Farm, Progressive, and Country Financial provided the largest discounts to couples living in Fairmount.

State Farm gave the largest car insurance discounts to married couples, averaging $484 saved each year compared to an average Fairmount couple's premiums.

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The cheapest car insurance in Fairmount for drivers with bad credit

People with poor credit saved an average of $578 with Mile Auto.

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Many people are surprised that their poor credit score can cost them an average of $786 every year. Premiums for people with poor credit were about $2,347 in Fairmount. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Mile Auto, Kemper, and Country Financial.

The best Fairmount car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fairmount, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Country Financial as the best provider in Fairmount.

Nationwide was the best company for customer service in Fairmount according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Fairmount, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Fairmount. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Fairmount

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 63% of Fairmount residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fairmount driver can expect to pay about $97 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fairmount, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.
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Auto Insurance Prices in and Around Fairmount

What Influences the Cost of Car Insurance in Fairmount?

On average, car insurance in Fairmount is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Fairmount is 18 minutes, which is far less than average for a driver in the city.
  • Oregon state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Fairmount are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Fairmount is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Fairmount is $100 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Fairmount driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fairmount with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.