Eugene Insurance Rates:

Eugene, OR home insurance is nearly $382 to $517, about $31-$43/month. Our exhaustive guide shows customers can save upto $179 by comparing different quotes

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Eugene Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Hartford Insurance Group
Home Insurance Rate of $150/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

2 Beds, 2 Bath 1340 sqft Vacation Property Constructed In 1984 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 1990 sqft Rental Property Constructed In 2004 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $290/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 2450 sqft Vacation Property Constructed In 1973 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Baths 1690 sqft Seasonal Residence Constructed In 1966 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $300/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4110 sqft Rental Property Constructed In 1986 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $940/12 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1990 with Hardwood Flooring, Composition Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is Unemployed and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Eugene, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97403 $340,900 $480
97405 $283,000 $470
97408 $260,600 $460
97404 $223,200 $450
97402 $185,600 $440

Eugene Rates & Quotes Analysis:

Eugene Area Estimated House Insurance
Orchard Aly, Braewood Ln, Mint Ave, Potter Aly, Winery Ln, Pruett Rd, Butte Ln, Pacific Hwy W, Pattison St, Paradise Ct$433
Larson Rd, Linwood St, Echo Hollow Rd, Dalton Dr, Prall Ln, E 40th Ave, Hillview 1, Piper Ln, Golden Gardens St, Chase St$449
Millrace Dr, Merlin Way, Lewis Ave, Hunsaker Ln, Exeter Ave, Meadow Butte Loop, E 39th Pl, Archie St, Cloverdale Rd, Summit Ave$432
Escalante St, Broadview St, Crescent Ave, Dewey St, Covey, Lariat Mesa, Peregrine St, Commercial St, Sierra St, Barger Dr$435
E 31st Ave, Throne Dr, E 35th Ave, N Garden Way, Spyglass Ct, Dulles Ave, Moon Mountain Dr, Brockton Pl, Glenwood Blvd, E 23rd Aly$452
Ridgetop Rd, N Shasta Loop, Princeton Dr, Hyacinth St, McKinley St, Strome Ct, Hathaway Ave, Odell Lake Dr, Skylark Ln, Onyx Pl$456
Ricketts Rd, E 50th Ave, Hughes St, Altura St, Woodsia Ln, Avalon St, Ravenwood Dr, Dayna Ln, Panorama Dr, Lamplite Ln$438
Schnorenberg Ln, Woodson St, Clairmont Dr, Cedar Ct, W 34th Pl, Josh St, Hollyview Ave, Newcastle St, Rocky Ln, S Garden Way$453
Flagstaff St, Myoak Dr, W Park St, N 8th St, Jackies Ln, Grand St, Villard Aly, Kevington Ave, Coach Way, Duke Ct$447
Cheryl St, Madera St, Kingfisher Way, Watson Dr, N Seneca Rd, Donald Aly, Maxwell Rd, Unthank St, Johnson Ln, Allane Ln$431

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,418 Homes (13% of total) built between 1960 to 1969 in Eugene are paying home insurance between $785-$792 and varies from Pleasant Hill (+$19), Marcola (+$33), Upper Siuslaw River (+$13), Springfield (-$23) and Veneta (-$20).
  • Bedrooms: 9,355 1 bedroom homes (13% of total homes ) in Eugene are paying about $198. Areas near to Eugene such as Eugene-Springfield, Coburg, Pleasant Hill are costlier by $3, $6, $9 respectively whereas Veneta and Monroe are more economical by $5, $4 respectively for similar homes.
  • Auto Insurance Bundling: 15,418 Households (46% of all households) in Eugene have 2 vehicles available and when it is bundled with home insurance you can save $89 and differs from Eugene-Springfield ($89), Springfield ($87), Coburg ($90).
  • Senior Discounts: 17,644 seniors (more than 55 years) occupied housing units (53% of total) in Eugene get discounts between $67 to $69. The comparative concessions in proximate regions such as Eugene-Springfield, Springfield and Coburg are $66, $65 and $67 respectively.
  • New Homes discounts: New homes such as the 28,237 homes built between 2000 to 2009 in Eugene can save $89 and similar new home insurance discounts in nearby towns and cities like Eugene-Springfield, Springfield and Coburg are $89, $87 and $90 respectively.

Eugene Homeowners insurance Facts

  • Eugene, OR has 32,908 owner occupied houses which is 49.9% of all units whereas Eugene-Springfield, Springfield and Coburg have 54.45%, 52.2% and 82.34% respectively.
  • Eugene, OR homeowners yearly insurance price at $449 is 0.18% of the typical house value of $244,600 which is in contrast with 0.2% in Eugene-Springfield, 0.25% at Springfield & 0.17% in Coburg.
  • Homeowners in Eugene, OR pay 0.82% of their income ($50,000 to $59,999) in insurance whereas homeowners in Eugene-Springfield, Springfield and Coburg pay 0.81%, 0.79% and 0.82% respectively.
  • Eugene, OR’s insurance is 2.3% of monthly housing costs of $1,637/month, for owners with a mortgage compared to 2.43% in Eugene-Springfield, 2.66% at Springfield & 2.55% in Coburg. But, for households without a mortgage, insurance is 7.4% of costs ($505 in Eugene, OR) in contrast with 8.45% in Eugene-Springfield, 9.64% at Springfield & 9.42% in Coburg.

Eugene, OR Home Values & Insurance rates

For example, insurance for 5,099 Homes (18.0% of total homes ) valued between $250,000 to $299,999 in Eugene, OR is about $502. Rates in nearby areas in such as Coburg, Pleasant Hill, Marcola are cheaper by $28, $84, $137 respectively while Eugene-Springfield and Springfield are costlier by $46 and $195 respectively for similar homes.

Eugene, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,766 6.0% $44
$100,000 to $124,999 1,137 4.0% $197
$125,000 to $149,999 1,162 4.0% $251
$150,000 to $174,999 2,565 9.0% $296
$175,000 to $199,999 3,034 10.0% $341
$200,000 to $249,999 6,618 23.0% $413
$250,000 to $299,999 5,099 18.0% $502
$300,000 to $399,999 5,642 20.0% $642

Renters Insurance in Eugene

  • Average Renters Insurance in Eugene :  $139($11/month)

  • Median Gross Rent in Eugene :  $838

  • Eugene Renters Insurance to Median Rent Ratio:  1.31%

  • Renter occupied housing units in Eugene :  32,999

Eugene Renters Insurance as a Percentage of Rent

Eugene Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 468 1.0% $334
$200 to $299 765 2.0% $784
$300 to $499 2,664 8.0% $1234
$500 to $749 9,154 28.0% $1909
$750 to $999 9,054 28.0% $2659
$1,000 to $1,499 7,590 23.0% $3784
$1,500 or more 2,609 8.0% $5434

Rent Affordability in Eugene:

Approximately 55.0% (18,402) of households are spending more than 35% of their income on gross rent in Eugene

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,057 6.0%
15.0 to 19.9 percent 2,680 8.0%
20.0 to 24.9 percent 3,725 11.0%
25.0 to 29.9 percent 3,790 11.0%
30.0 to 34.9 percent 2,345 7.0%
35.0 percent or more 18,402 55.0%

Protective device discount in Eugene Up to :  $20

Claims-free discount in Eugene Up to :  $27