Best Cheap Auto Insurance in Salem, MI (2021)

The average Salem, MI auto insurance rates are $873 per month. The minimum auto insurance in Salem is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Salem, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Salem for teen drivers is Allstate
  • Average auto insurance rates in Salem, MI for senior drivers are $6,973 per year
  • The minimum auto insurance required in Salem, Michigan is 20/40/10

Salem, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Salem can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Salem, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Salem to other Michigan cities, including Flint auto insurance rates, Sterling Heights auto insurance rates, and Lansing auto insurance rates to see how Salem, Michigan auto insurance rates stack up.

Before you buy Salem, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Salem, Michigan auto insurance quotes.

Minimum Auto Insurance in Salem, Michigan

Salem, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Salem, Michigan.

Minimum Required Auto Insurance Coverage in Salem, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Salem, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Salem, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Salem, Michigan

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 $20,514 $20,514 $19,168 $19,168 $49,358 $49,358 $21,574 $21,574
Farmers $5,156 $5,156 $4,775 $4,775 $11,266 $11,266 $5,828 $5,828
GEICO $4,169 $4,169 $4,274 $4,274 $12,043 $12,043 $3,990 $3,990
Liberty Mutual $14,345 $14,345 $14,206 $14,206 $33,321 $33,321 $14,345 $14,345
Nationwide $4,519 $4,519 $4,018 $4,018 $12,073 $12,073 $4,964 $4,964
Progressive $3,542 $3,264 $3,124 $3,516 $13,131 $13,929 $4,125 $3,762
State Farm $6,541 $6,541 $6,059 $6,059 $22,956 $22,956 $7,687 $7,687
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,418 $2,297 $2,274 $2,151 $5,941 $5,670 $2,951 $2,841

Cheap Salem, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Salem, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Salem, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Salem, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $49,358 $49,358
Farmers $11,266 $11,266
GEICO $12,043 $12,043
Liberty Mutual $33,321 $33,321
Nationwide $12,073 $12,073
Progressive $13,131 $13,929
State Farm $22,956 $22,956
Travelers $16,536 $16,536
USAA $5,941 $5,670

Cheap Salem, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Salem, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Salem, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $19,168 $19,168
Farmers $4,775 $4,775
GEICO $4,274 $4,274
Liberty Mutual $14,206 $14,206
Nationwide $4,018 $4,018
Progressive $3,124 $3,516
State Farm $6,059 $6,059
Travelers $4,728 $4,728
USAA $2,274 $2,151

Cheap Salem, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Salem, Michigan compared to the annual auto insurance rates with a clean record in Salem, Michigan.

Annual Salem, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $13,228 $17,812 $60,882 $18,692
Farmers $5,640 $7,271 $7,145 $6,969
GEICO $2,112 $4,551 $13,857 $3,957
Liberty Mutual $13,026 $15,959 $30,358 $16,873
Nationwide $5,466 $7,316 $6,635 $6,157
Progressive $5,102 $6,757 $6,060 $6,277
State Farm $6,857 $8,232 $17,858 $10,295
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,673 $3,329 $4,357 $2,912

Cheap Salem, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Salem, Michigan is not easy. Compare the annual rates for DUI auto insurance in Salem, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Salem, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $60,882
Farmers $7,145
GEICO $13,857
Liberty Mutual $30,358
Nationwide $6,635
Progressive $6,060
State Farm $17,858
Travelers $12,766
USAA $4,357

Cheap Salem, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Salem, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Salem, Michigan

Insurance Company Poor Fair Good
Allstate $42,309 $23,263 $17,388
Farmers $9,802 $5,432 $5,035
GEICO $7,871 $5,783 $4,703
Liberty Mutual $30,138 $17,407 $9,617
Nationwide $8,011 $6,039 $5,130
Progressive $6,995 $5,876 $5,277
State Farm $17,525 $8,875 $6,032
Travelers $8,386 $8,133 $8,031
USAA $4,952 $2,833 $2,168

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Cheap Salem, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Salem, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Salem, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Salem, Michigan

ZIP Code Average Annual Rates
48175 $7,333

Cheap Salem, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Salem, Michigan auto insurance. Find the cheapest annual Salem, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Salem, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $27,653 $27,653
Farmers $6,756 $6,756
GEICO $5,982 $6,257
Liberty Mutual $18,409 $19,699
Nationwide $6,393 $6,393
Progressive $6,049 $6,049
State Farm $10,527 $11,094
Travelers $8,137 $8,230
USAA $3,280 $3,355

Cheap Salem, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Salem, Michigan? Check out the comparison of annual Salem, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Salem, Michigan

Insurance Company Low Medium High
Allstate $27,154 $27,698 $28,108
Farmers $6,549 $6,737 $6,983
GEICO $5,734 $6,067 $6,557
Liberty Mutual $18,530 $19,002 $19,630
Nationwide $6,662 $6,293 $6,226
Progressive $5,856 $6,057 $6,235
State Farm $10,307 $10,873 $11,252
Travelers $8,098 $8,192 $8,260
USAA $3,222 $3,325 $3,406

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Best By Category: Cheapest Auto Insurance in Salem, Michigan

Compare the cheapest auto insurance companies in Salem, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Salem, Michigan

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

The Cheapest Salem, Michigan Auto Insurance Companies

What auto insurance companies in Salem, Michigan are the cheapest? Compare the top Salem, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Salem, Michigan

Insurance Company Average Annual Rates
Allstate $27,653
Farmers $6,756
GEICO $6,119
Liberty Mutual $19,054
Nationwide $6,393
Progressive $6,049
State Farm $10,811
Travelers $8,183
USAA $3,318

What affects auto insurance rates in Salem, Michigan?

There are a lot of reasons why auto insurance rates in Salem, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Salem, Michigan. Many local factors may affect your Salem auto insurance rates.

Salem Traffic

How does Salem, Michigan rank for traffic? According to Inrix Salem, Michigan is the 737th most congested worldwide.

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Compare Salem, Michigan Auto Insurance Quotes

Before you buy Salem, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Salem, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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