Compare Salem, IA Car Insurance Rates (2021)

Car insurance in Salem, IA averages $248 a month. Salem, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Salem car insurance rates, compare quotes from the top car insurance companies in Salem, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Salem for teen drivers is USAA
  • Average car insurance rates in Salem, IA are $2,975/year
  • The cheapest car insurance company in Salem is USAA

If you need to buy Salem, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Salem, IA is right here.

You’ll find Salem car insurance rates, the cheapest Salem, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Salem, Iowa car insurance rates to Waterloo car insurance rates, Des Moines car insurance rates, and Sioux City car insurance rates.

Ready to find affordable Salem, IA car insurance today? Enter your ZIP code for fast, free Salem car insurance quotes.

Cheapest Salem, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Salem, IA car insurance rates? Every Salem, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Salem, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,901 $1,837 $1,679 $1,711 $5,260 $5,887 $2,087 $2,154
American Family $2,002 $2,002 $1,788 $1,788 $5,297 $7,457 $2,002 $2,414
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,882 $1,935 $1,674 $1,791 $4,309 $5,592 $2,128 $2,318
Progressive $1,671 $1,612 $1,378 $1,429 $4,040 $4,562 $2,010 $2,171
State Farm $1,376 $1,376 $1,204 $1,204 $3,655 $4,642 $1,545 $1,756
Travelers $2,584 $2,638 $2,506 $2,513 $11,387 $18,122 $2,687 $3,187
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

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Minimum Car Insurance in Salem, IA

Every driver must carry the minimum car insurance in Salem, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Salem, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Salem, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Salem, IA. Compare credit history car insurance rates in Salem from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Salem, Iowa

Insurance Company Poor Fair Good
Allstate $3,364 $2,677 $2,403
American Family $3,947 $2,900 $2,434
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $3,290 $2,569 $2,252
Progressive $2,792 $2,250 $2,035
State Farm $2,983 $1,846 $1,456
Travelers $6,418 $5,476 $5,216
USAA $2,399 $1,648 $1,427

Cheapest Salem, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Salem, IA to rates for a clean record with top companies.

Annual Salem, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,414 $2,900 $3,264 $2,680
American Family $2,233 $3,268 $4,246 $2,627
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,949 $2,812 $3,845 $2,209
Progressive $1,899 $3,101 $2,059 $2,377
State Farm $1,944 $2,246 $2,095 $2,095
Travelers $4,159 $5,541 $7,417 $5,695
USAA $1,395 $1,870 $2,432 $1,602

Cheapest Salem, IA Car Insurance for Teen Drivers

Teen car insurance in Salem, IA can be expensive. Take a look at rates from the top car insurance companies in Salem for teenagers.

Annual Car Insurance Rates for Teen Drivers in Salem, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,260 $5,887
American Family $5,297 $7,457
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $4,309 $5,592
Progressive $4,040 $4,562
State Farm $3,655 $4,642
Travelers $11,387 $18,122
USAA $3,285 $3,490

Cheapest Salem, IA Car Insurance for Seniors

Take a look at Salem, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Salem, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,679 $1,711
American Family $1,788 $1,788
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,674 $1,791
Progressive $1,378 $1,429
State Farm $1,204 $1,204
Travelers $2,506 $2,513
USAA $1,123 $1,146

Cheapest Salem, IA Car Insurance Rates After a DUI

A DUI in Salem, IA increases car insurance rates. Compare Salem, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Salem, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,264
American Family $4,246
Farmers $2,637
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,845
Progressive $2,059
State Farm $2,095
Travelers $7,417
USAA $2,432

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Cheapest Salem, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Salem, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Salem, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,748 $2,881
American Family $3,057 $3,130
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,704 $2,704
Progressive $2,359 $2,359
State Farm $2,045 $2,145
Travelers $5,703 $5,703
USAA $1,758 $1,891

The Best Cheap Car Insurance Companies in Salem, IA

Take a look at a side-by-side comparison of the top car insurance companies in Salem, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Salem, Iowa

Insurance Company Average Annual Rates
Allstate $2,815
American Family $3,093
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,704
Progressive $2,359
State Farm $2,095
Travelers $5,703
USAA $1,825

Category Winners: Cheapest Car Insurance in Salem, Iowa

Find the cheapest car insurance companies in Salem, IA for each category right here.

Best Annual Car Insurance Rates by Company in Salem, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Salem, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Salem car insurance rates. Find the cheapest Salem, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Salem, Iowa

Insurance Company Low Medium High
Allstate $2,718 $2,817 $2,908
American Family $3,115 $3,265 $2,900
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,827 $2,688 $2,597
Progressive $2,225 $2,366 $2,485
State Farm $1,997 $2,106 $2,181
Travelers $5,378 $5,789 $5,943
USAA $1,732 $1,830 $1,911

What affects car insurance rates in Salem, Iowa?

What factors can have an impact on Salem, IA car insurance? There are several reasons why Salem car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Salem, Iowa.

Commute Time in Salem

The more time you spend in your car the higher the risk of an accident. The average commute length in Salem, IA is 18.9 minutes according to City-Data.

Traffic in Salem

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Salem, IA traffic data from INRIX ranks Salem as the 737th-most congested in the world.

Compare Car Insurance Quotes in Salem, IA

Ready to find affordable Salem, Iowa car insurance today? Enter your ZIP code for fast, free Salem, IA car insurance quotes.

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