🏠 Home insurance cost in Eugene, OR (2026)
Estimated average: $1,265 per year — -45% vs. the U.S. average of $2,300.
$1,265
Est. home insurance in Eugene
per year
$1,265
Oregon average
$2,300
U.S. average
176,654
Population
Estimate your home insurance in Eugene
Eugene home insurance estimator
Estimated$797/year
Starts from the Eugene estimate. Get quotes to confirm your price.
Eugene home insurance FAQ
How much is home insurance in Eugene, OR?
The estimated average is $1,265 per year — about the state average (0% vs. the Oregon average of $1,265, and -45% vs. the U.S. average).
Is home insurance more expensive in Eugene than elsewhere in Oregon?
Eugene has about 176,654 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Eugene?
Compare at least three quotes from insurers active in Eugene, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.