Compare Salem, OR Car Insurance Rates (2021)

The cheapest Salem, OR car insurance is offered by State Farm, but rates will vary by driver. Auto insurance in Salem, OR must meet the state minimum requirements of 25/50/20 in liability coverages, $15,000 in personal injury protection, and 25/50 in uninsured/underinsured motorist coverage. Compare quotes below to find the best Salem, OR car insurance rates near you.

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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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Founder & CFP®

UPDATED: Mar 22, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance in Salem, OR
  • Salem, OR auto insurance is higher than the state and national averages
  • Salem has a low volume of traffic and short commute times

Salem, OR car insurance is more expensive than the state and national averages. However, Oregon car insurance is less expensive than the national average.

Before you buy Salem, OR car insurance, shop around and compare quotes from many different companies to find the best deal.

Enter your ZIP code now to compare Salem, OR car insurance quotes from multiple companies.

What is the cheapest car insurance company in Salem, OR?

State Farm is the cheapest auto insurance company in Salem that offers coverage to all drivers. Although USAA is actually cheaper, it only offers coverage to the military, veterans, and their families.

These are the top-rated Salem, OR car insurance companies listed from least to most expensive:

  • USAA – $2,713.93
  • State Farm – $3,068.91
  • Travelers – $3,087.09
  • GEICO – $3,186.81
  • Nationwide – $3,408.31
  • Progressive – $3,774.82
  • American Family – $3,797.24
  • Farmers – $4,177.86
  • Liberty Mutual – $4,852.92
  • Allstate – $5,375.16

The numbers above are averages. Car insurance costs for each driver will be different.

There are many factors affecting car insurance rates. Auto insurance companies use factors such as your age, gender, marital status, ZIP code, driving record, and credit history to calculate your rates.

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What car insurance coverage is required in Salem, OR?

Most states, including Oregon, require at least a minimum amount of auto insurance coverage. In order to drive in Salem, OR, you need to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $15,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Considering these limits are quite low, drivers may want to increase these limits. If you take into account the high cost of health care and automobile prices, you will exhaust these low limits quickly.

What affects car insurance rates in Salem, OR

Traffic can also affect your auto insurance rates. More traffic equals a higher chance of being in an accident.

INRIX ranks Salem, OR as the 163rd most congested city in the U.S. This is great news for drivers.

In fact, City-Data reports that Salem drivers only spend around 20 minutes commuting. Although most drivers prefer to commute alone, around 10 percent carpool.

Auto theft can also increase your car insurance rates. According to the FBI, there were 861 motor vehicle thefts in one year in Salem, OR. That’s about one theft for every 200 people.

Salem, OR Car Insurance: The Bottom Line

Car insurance rates in Salem are above average. Although, you can still find affordable Salem, OR car insurance if you shop around and compare quotes.

Enter your ZIP code now to compare Salem, OR car insurance rates today.

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