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Get Cheap Car Insurance in West Eugene, Eugene, OR
We monitor insurance prices, helping the average driver in West Eugene save up to 34.7% on car insurance.
The Cheapest Minimum Coverage in West Eugene
The chart below shows the cheapest car insurance company in West Eugene 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.
| West Eugene Insurer | Monthly Cost |
|---|---|
| Metromile | $67 |
| State Farm | $68 |
| Country Financial | $75 |
| Travelers | $78 |
Savings for Every Kind of West Eugene Driver
Based on our extensive insurance data, we know the average West Eugene 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 $502 per year by choosing the right vehicle insurance company. Some West Eugene residents are paying out over $1,579 extra every year for auto insurance in West Eugene. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
West Eugene, Eugene, OR Savings / Yr. |
|---|---|
$502 |
|
$747 |
|
$609 |
|
$684 |
|
$1,815 |
|
$490 |
|
$584 |
West Eugene Car Insurance vs. Eugene
People living in West Eugene pay an average of 4.74% more than the typical driver in the state. The average driver in West Eugene can expect to pay about $1,219 per year, or $1,579 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in West Eugene for most people.
Car Insurance Prices by West Eugene Neighborhood
Insurance Prices
Where is insurance cheapest within West Eugene?
The map shows insurance prices in and around West Eugene, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $213 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,693 to a low of $1,480. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of West Eugene.Pick the Best Car Insurance Company for You in West Eugene
The best car insurance provider for most drivers in West Eugene
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $502 over the average West Eugene car insurance company.
The best car insurance provider for West Eugene drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $747 over the competition.
The best car insurance company for West Eugene drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $609 better than other car insurance companies.
The best auto insurance for West Eugene drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $684 less each year.
The least expensive car insurance company for new and young drivers in West Eugene
In West Eugene, Country Financial costs young drivers $1,815 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in West Eugene
State Farm gave the largest car insurance discounts to married couples, averaging $490 saved each year compared to an average West Eugene couple's premiums.
The cheapest car insurance in West Eugene for drivers with bad credit
The best West Eugene car insurance company for customer service
Nationwide was the best company for customer service in West Eugene according to the NAIC.
Recent price drops
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The cheapest large national provider in West Eugene
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average West Eugene driver can expect to pay about $97 per month.
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 West Eugene, 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.Auto Insurance Prices in and Around West Eugene
What Influences the Cost of Car Insurance in West Eugene?
On average, car insurance in West Eugene 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:
- 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 West Eugene 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.
- West Eugene is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in West Eugene is $102 per month for minimum coverage and $132 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
- Jefferson Westside: Insurance costs 1.90% less
- Far West Eugene: Insurance costs 2.47% more
- Whiteaker: Insurance costs 0.63% more
- Friendly: Insurance costs 3.04% less
- West University: Insurance costs 1.27% less
- Churchill: Insurance costs 2.41% less
- Crest Drive: Insurance costs 7.85% less
- South University: Insurance costs 0.38% more
- U of O Campus: Insurance costs 0.82% more
- Fairmount: Insurance costs 1.14% less
Neighborhoods with Similar Populations
- North End: Insurance costs 22.36% more
- Rock Spring: Insurance costs 20.08% less
- Riverview Park: Insurance costs 19.38% more
- River Point: Insurance costs 46.61% more
- River Gardens: Insurance costs 43.45% more
- Rising Sun-Lebanon: Insurance costs 13.55% more
- Pioneer: Insurance costs 1.77% more
- Northmoor: Insurance costs 88.92% more
- North Main Historic District: Insurance costs 29.20% less
- Roosevelt Gardens Area: Insurance costs 20.58% less