How Much Does Renters Insurance Cost in Eugene, OR?
Eugene pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Eugene's diversified economy.See our methodology
Renters Insurance Pricing in Eugene, OR
In Eugene, renters insurance costs are 5% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 175K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in renters insurance costs here. Heavy rainfall requires excellent moisture management for roofing and foundations.
Market-specific factors matter in Eugene: environmental regulations may affect building materials and methods.
Eugene has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Eugene vs National Average
What Affects Renters Insurance Cost in Eugene?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Eugene Market Conditions
environmental regulations may affect building materials and methods
Local Climate Impact
heavy rainfall requires excellent moisture management for roofing and foundations
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Top-Rated Renters Insurance Pros in Eugene, OR
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Tips to Save on Renters Insurance in Eugene
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Eugene Cost Trends (2020–2024)
Prices have increased +23.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $17 | — |
| 2021 | $18 | +5.9% |
| 2022 | $19 | +5.6% |
| 2023 | $20 | +5.3% |
| 2024 | $21 | +5.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Eugene
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Eugene than other cities?
Eugene's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
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