Compare Salem, MA Car Insurance Rates (2021)

Car insurance in Salem, MA averages $302 a month. Salem, Massachusetts car insurance requirements are 20/40/5, 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, MA.

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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 is State Farm
  • Average car insurance rates in Salem, MA are $3,620/year
  • The cheapest car insurance company in Salem for teen drivers is State Farm

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

You’ll find Salem car insurance rates, the cheapest Salem, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Salem, Massachusetts car insurance rates to New Bedford car insurance rates, Cambridge car insurance rates, and Quincy car insurance rates.

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

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

How do age, gender, and marital status affect Salem, MA car insurance rates? Every Salem, Massachusetts 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, Massachusetts

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 $2,552 $2,552 $2,552 $2,552 $7,625 $7,625 $2,862 $2,862
GEICO $2,520 $2,520 $2,344 $2,344 $6,533 $6,533 $2,603 $2,603
Liberty Mutual $3,562 $3,562 $3,101 $3,101 $9,922 $9,922 $3,727 $3,727
Progressive $2,662 $2,662 $2,554 $2,554 $10,223 $10,223 $2,883 $2,883
State Farm $1,205 $1,205 $1,205 $1,205 $3,081 $3,081 $1,205 $1,205
Travelers $3,316 $3,316 $2,919 $2,919 $6,834 $6,834 $3,684 $3,684
USAA $1,775 $1,775 $1,748 $1,748 $4,199 $4,199 $1,964 $1,964

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Minimum Car Insurance in Salem, MA

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

Minimum Required Car Insurance Coverage in Salem, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Salem, MA 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, MA to rates for a clean record with top companies.

Annual Salem, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,999 $4,519 $5,074 $2,999
GEICO $2,789 $3,859 $4,401 $2,950
Liberty Mutual $3,973 $5,481 $6,591 $4,267
Progressive $3,839 $5,434 $4,299 $4,749
State Farm $1,319 $1,809 $2,151 $1,417
Travelers $3,248 $4,518 $4,845 $4,142
USAA $1,716 $2,237 $3,810 $1,922

Cheapest Salem, MA Car Insurance for Teen Drivers

Teen car insurance in Salem, MA 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, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,625 $7,625
GEICO $6,533 $6,533
Liberty Mutual $9,922 $9,922
Progressive $10,223 $10,223
State Farm $3,081 $3,081
Travelers $6,834 $6,834
USAA $4,199 $4,199

Cheapest Salem, MA Car Insurance for Seniors

Take a look at Salem, MA 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, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,552
GEICO $2,344 $2,344
Liberty Mutual $3,101 $3,101
Progressive $2,554 $2,554
State Farm $1,205 $1,205
Travelers $2,919 $2,919
USAA $1,748 $1,748

Cheapest Salem, MA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Salem, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,074
GEICO $4,401
Liberty Mutual $6,591
Progressive $4,299
State Farm $2,151
Travelers $4,845
USAA $3,810

Cheapest Salem, MA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Salem, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,770 $4,026
GEICO $3,432 $3,568
Liberty Mutual $4,880 $5,276
Progressive $4,580 $4,580
State Farm $1,635 $1,713
Travelers $3,987 $4,390
USAA $2,354 $2,489

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The Best Cheap Car Insurance Companies in Salem, MA

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

Average Annual Car Insurance Rates by Company in Salem, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,898
GEICO $3,500
Liberty Mutual $5,078
Progressive $4,580
State Farm $1,674
Travelers $4,188
USAA $2,421

Category Winners: Cheapest Car Insurance in Salem, Massachusetts

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

Best Annual Car Insurance Rates by Company in Salem, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Salem, MA 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, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Salem, Massachusetts

Insurance Company Low Medium High
Allstate $3,589 $3,961 $4,143
GEICO $3,215 $3,563 $3,721
Liberty Mutual $4,736 $5,146 $5,352
Progressive $4,193 $4,667 $4,882
State Farm $1,517 $1,704 $1,801
Travelers $3,769 $4,272 $4,523
USAA $2,243 $2,461 $2,560

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What affects car insurance rates in Salem, Massachusetts?

What factors can have an impact on Salem, MA 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, Massachusetts.

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, MA is 31.3 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, MA traffic data from INRIX ranks Salem as the 737th-most congested in the world.

Compare Car Insurance Quotes in Salem, MA

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

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