Compare Salem, OR Car Insurance Rates (2021)

Car insurance in Salem, OR averages $312 a month. Salem, Oregon car insurance requirements are 25/50/20, 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, OR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Salem, OR are $3,744/year
  • The cheapest ZIP code in Salem is 97303
  • The cheapest car insurance company in Salem for teen drivers is USAA

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

You’ll find Salem car insurance rates, the cheapest Salem, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Salem, Oregon car insurance rates to Eugene car insurance rates, Corvallis car insurance rates, and Hillsboro car insurance rates.

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

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

How do age, gender, and marital status affect Salem, OR car insurance rates? Every Salem, Oregon 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, Oregon

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 $3,456 $3,207 $3,174 $3,214 $10,809 $11,975 $3,589 $3,578
American Family $2,488 $2,488 $2,217 $2,217 $6,177 $9,704 $2,488 $2,599
Farmers $2,248 $2,211 $1,981 $2,114 $9,746 $10,032 $2,518 $2,574
GEICO $2,348 $2,273 $2,225 $2,271 $6,164 $5,588 $2,495 $2,130
Liberty Mutual $3,090 $3,254 $2,685 $2,992 $10,067 $10,852 $2,940 $2,944
Nationwide $2,384 $2,364 $2,126 $2,217 $5,542 $6,911 $2,790 $2,932
Progressive $1,993 $1,796 $1,740 $1,791 $8,709 $9,576 $2,371 $2,222
State Farm $1,806 $1,806 $1,664 $1,664 $5,857 $7,360 $2,052 $2,343
Travelers $1,985 $2,003 $1,806 $1,881 $5,771 $7,076 $2,069 $2,105
USAA $1,681 $1,626 $1,676 $1,609 $5,180 $5,537 $2,165 $2,237

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Minimum Car Insurance in Salem, OR

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

Minimum Required Car Insurance Coverage in Salem, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Salem, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Salem, OR. 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, Oregon

Insurance Company Poor Fair Good
Allstate $7,070 $4,965 $4,090
American Family $4,825 $3,563 $3,004
Farmers $4,798 $3,970 $3,765
GEICO $3,844 $3,187 $2,529
Liberty Mutual $7,129 $4,197 $3,232
Nationwide $4,118 $3,271 $2,836
Progressive $4,230 $3,671 $3,423
State Farm $4,288 $2,733 $2,185
Travelers $3,840 $3,034 $2,387
USAA $4,051 $2,275 $1,816

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

Annual Salem, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,292 $5,852 $6,072 $5,285
American Family $2,644 $4,036 $5,118 $3,390
Farmers $3,526 $4,551 $4,448 $4,187
GEICO $2,083 $3,353 $4,446 $2,865
Liberty Mutual $4,298 $4,815 $5,520 $4,779
Nationwide $2,890 $3,095 $4,380 $3,269
Progressive $2,838 $5,215 $3,663 $3,384
State Farm $2,713 $3,567 $2,998 $2,998
Travelers $2,498 $3,201 $3,604 $3,046
USAA $1,963 $2,753 $3,839 $2,301

Cheapest Salem, OR Car Insurance for Teen Drivers

Teen car insurance in Salem, OR 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, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,809 $11,975
American Family $6,177 $9,704
Farmers $9,746 $10,032
GEICO $6,164 $5,588
Liberty Mutual $10,067 $10,852
Nationwide $5,542 $6,911
Progressive $8,709 $9,576
State Farm $5,857 $7,360
Travelers $5,771 $7,076
USAA $5,180 $5,537

Cheapest Salem, OR Car Insurance for Seniors

Take a look at Salem, OR 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, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,174 $3,214
American Family $2,217 $2,217
Farmers $1,981 $2,114
GEICO $2,225 $2,271
Liberty Mutual $2,685 $2,992
Nationwide $2,126 $2,217
Progressive $1,740 $1,791
State Farm $1,664 $1,664
Travelers $1,806 $1,881
USAA $1,676 $1,609

Cheapest Salem, OR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Salem, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,072
American Family $5,118
Farmers $4,448
GEICO $4,446
Liberty Mutual $5,520
Nationwide $4,380
Progressive $3,663
State Farm $2,998
Travelers $3,604
USAA $3,839

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Cheapest Salem, OR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Salem, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,375 $5,375
American Family $3,738 $3,857
Farmers $4,178 $4,178
GEICO $3,134 $3,239
Liberty Mutual $4,853 $4,853
Nationwide $3,408 $3,408
Progressive $3,775 $3,775
State Farm $2,987 $3,151
Travelers $2,963 $3,211
USAA $2,636 $2,792

Cheapest Salem, OR Car Insurance Rates by ZIP Code

Salem car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Salem, OR.

Annual Car Insurance Rates by ZIP Code in Salem, Oregon

ZIP Code Average Annual Rates
97302 $3,541
97303 $3,508
97304 $3,517
97305 $3,582
97306 $3,510
97317 $3,579

The Best Cheap Car Insurance Companies in Salem, OR

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

Average Annual Car Insurance Rates by Company in Salem, Oregon

Insurance Company Average Annual Rates
Allstate $5,375
American Family $3,797
Farmers $4,178
GEICO $3,187
Liberty Mutual $4,853
Nationwide $3,408
Progressive $3,775
State Farm $3,069
Travelers $3,087
USAA $2,714

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Category Winners: Cheapest Car Insurance in Salem, Oregon

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

Best Annual Car Insurance Rates by Company in Salem, Oregon

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

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

Annual Car Insurance Rates by Coverage Level in Salem, Oregon

Insurance Company Low Medium High
Allstate $5,092 $5,362 $5,671
American Family $3,767 $4,018 $3,606
Farmers $3,876 $4,115 $4,542
GEICO $2,864 $3,206 $3,490
Liberty Mutual $4,520 $4,839 $5,200
Nationwide $3,225 $3,502 $3,497
Progressive $3,621 $3,755 $3,949
State Farm $2,880 $3,075 $3,251
Travelers $2,878 $3,069 $3,315
USAA $2,584 $2,717 $2,841

What affects car insurance rates in Salem, Oregon?

What factors can have an impact on Salem, OR 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, Oregon.

Car Theft in Salem

High levels of vehicle theft can make car insurance more expensive. Salem, OR car theft statistics from the FBI indicate 898 vehicle thefts a year.

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, OR is 22.9 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, OR traffic data from INRIX ranks Salem as the 737th-most congested in the world.

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Compare Car Insurance Quotes in Salem, OR

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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