Compare quotes for your home in 97401! Compare the best 12 carriers in minutes.
97401 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 97401? Our rates are very competitive for homeowners living in Eugene, OR. Many homeowners based out of your 97401 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Oregon licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 97401 should appear in the zip code field ready to go. For Eugene, OR Home Insurance Rate Quotes click to review the best rates and service online!
97401 Average Premium is Rated: Very Low!
Homeowners living in 97401 can easily save up to 40% off the average home insurance premium of $511 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Eugene that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 97401 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
97401 Home Insurance Average Premiums
$261 /yr.
Shows Zip Code: 97401 lowest rates with discounts applied on average.
For the 97401, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $261 /yr. |
| Average Coverage: | $511 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $811 /yr. |
What is the average home insurance cost for a home in 97401?
- • The average homeowners insurance premium paid annually for a home in 97401 is around $511 per year.
What does it cost on average per month for home insurance in 97401?
- • Homeowners in 97401 pay a monthly average cost per month around $43.00.
What kind of discount could I get if I combine my home and auto insurance together in 97401?
- • Autoowners in 97401 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
You can easily shop and compare home insurance rates within Eugene, check out other zip codes nearby 97401.
To review average rates in another zip code, click on a zip code below:
97402 | 97401 | 97403 | 97405 | 97408 | 97404 |
Home Replacement Cost Coverage in 97401
Average Building Cost Per Square Foot in 97401: $221
Location: Eugene, Oregon (Lane County)Average Square Footage in 97401: 1,704 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97401 before you start any project. Eugene homeowners pay on average around $221 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 97401 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 97401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,704 sq. ft. and the average cost to rebuild the home in this area is around $221 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Eugene area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 1,704 | $376,600 |
| Additional Upgrades & Added Features | $276 | 1,704 | $470,750 |
| Major Home Updates or Advancements | $332 | 1,704 | $564,900 |
It's important to understand that when you estimate your replacement cost of your home in the 97401 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 97401
Allstate Insurance - David L Grossnicklaus
Address: 2295 Coburg Rd # 310 Eugene, OR 97401Phone: (541)341-4979
Website:
N W Plan Administrators Inc
Address: 1805 Tabor Street Eugene, OR 97401Phone: (541)484-2781
Website:
Best Home & Auto Insurance Agencies in 97401
Steve Luna- Farmers Insurance
Address: 949 Country Club Rd Eugene, OR 97401Phone:
Website: http://www.national.citysearch.com/profile/667030170/eugene_or/steve_luna_farmers_insurance.html
Info:
New York Life
Address: 120 Oakway Ctr Eugene, OR 97401Phone:
Website: http://www.newyorklife.com
Info: New York Life Insurance Company - The Company You Keep
Life Insurance, Annuities, Long-Term Care Insurance, and Mutual Funds from the Company You Keep. life insurance, annuities, long-term care insurance, whole, term, universal, life insurance quote, sales careers, New York Life
John Bonzer-Farmers Insurance
Address: 1441 Oak St, Ste 1 Eugene, OR 97401Phone:
Website: http://www.farmersagent.com/jbonzer/
Info:
Brandon S Glosson, Attorney
Address: 142 W 8th Ave Eugene, OR 97401Phone:
Website: http://www.zipweb.com/?businessName=GlossonLawFirmLLC/
Info:
Fred Hauck-Farmers Insurance
Address: 377 Coburg Rd Eugene, OR 97401Phone:
Website: http://www.farmers.com/
Info:
Housing Demographics for 97401
Population Review for 97401 Zip Code
For the city of Eugene, the population within 97401 has increased to over 45,296 residents in population size. The current population total is 45,634. We have broken down the population based on race below. In 97401, there are over 22040 in male population and 23594 females.
| Population | Values |
|---|---|
| Total Population | 45,634 |
| White Population | 35403 |
| Black Population | 945 |
| Hispanic Population | 4306 |
| Asian Population | 2507 |
| Hawaiian Population | 166 |
| Indian Population | 429 |
| Other Population | 1453 |
| Male Population | 22040 |
| Female Population | 23594 |
| Population Estimate | 45296 |
Household Data for 97401
The average number of homes in 97401 is around 21,543, there are an average of 2.02 per household. The average house value according to local real estate values is around $376,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 21,543 |
| Persons Per Household | 2.02 |
| Average House Value | $376,600 |
| Income Per Household | $43764 |
| Median Age | 31.8 |
| Median Age Male | 31.3 |
| Median Age Female | 32.4 |
| 97401 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Eugene |
| City Alias Name | EUGENE |
| County | Lane |
| County FIPS | 039 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 2400 |
| PMSA | |
| CSA | |
| CBSA | 21660 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Eugene-Springfield, OR |
| MSA_Name | Eugene-Springfield, OR MSA |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 2424 |
| Number Of Employees | 28822 |
| Business First Quarter Payroll | 351160 |
| Business Annual Payroll | 1530976 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 351715 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 22424 |
| Delivery Business | 2836 |
| Delivery Total | 24777 |
| Preferred Last Line Key | Z14986 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z14986 |
| Land Area | 9.277000 |
| Water Area | 0.023000 |
| City Alias Code | |
| City Mixed Case | Eugene |
| City Alias Mixed Case | Eugene |
| Box Count | 0 |
| SFDU | 5654 |
| MFDU | 6790 |
| State ANSI | 41 |
| County ANSI | 039 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 402848 |
| Unique ZIP Name | |
| SSA State County Code | 38190 |
| Medicare CBSA Code | 21660 |
| Medicare CBSA Name | Eugene-Springfield, OR |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Lane |
Oregon Homeowners Insurance News & Information
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
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Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]