Best Cheap Auto Insurance in Salem, OR (2021)

Salem, OR auto insurance rates average $312 per month and $3,744 per year. You can find the cheapest Salem, OR car insurance from USAA and State Farm. External factors like Salem, OR weather, traffic, and crime can all affect your insurance rates in Salem, OR. Personal factors like your age, gender, and driving record have a more significant effect on your Salem, Oregon auto insurance rates.

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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: Aug 4, 2021

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Things to Remember

  • The cheapest Salem, OR auto insurance can be purchased from USAA and State Farm
  • Drivers in Salem are required to meet Oregan minimum auto insurance requirements to drive legally in the state
  • Average Salem, OR auto insurance rates are $312 per month and $3,744 per year

If you live in Salem, OR, you’re probably wondering what kind of auto insurance coverage you need, where you can find the best auto insurance rates, the best Salem, OR auto insurance company, and more.

When you’re looking to save on Salem, Oregon auto insurance, you should start by shopping around to compare rates and asking about discounts.

Read this article for tips on getting cheap auto insurance in Salem, regardless of your age, driving record, credit history, marital status, gender, or other factors.

Monthly Salem, OR Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Salem, Oregon auto insurance rates by ZIP Code below:

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Salem, OR Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Salem, Oregon stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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If you want to start shopping for affordable Salem, OR auto insurance, all you need to do is enter your ZIP code in the free tool on this page to get your first quote.

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

You can buy the cheapest Salem, OR auto insurance rates from USAA and State Farm.

Which Salem, OR car insurance company has the best rates? And how do those rates compare against the average Oregon car insurance company rates? We’ve got the answers below.

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But for a more complete list of some of the best car insurance companies in Salem, take a look at this list, which we’ve ranked from cheapest to the 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 – $3,97.24
  • Farmers – $4,177.86
  • Liberty Mutual – $4,852.92
  • Allstate – $5,375.16

Keep in mind these averages are just a baseline, and the rates you’ll pay will vary based on several factors, including your ZIP code, coverage amount, driving record, and more.

Salem, OR car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Salem car insurance rates. Find the cheapest Salem, OR car insurance rates by coverage level below:

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Your credit score will play a significant role in your Salem car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Salem, OR car insurance rates by credit score below.

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Your driving record will play a major role in your Salem car insurance rates. For example, other factors aside, a Salem, OR DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Salem, OR car insurance rates by driving record.

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Factors affecting car insurance rates in Salem, OR may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Salem, Oregon car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. OR does use gender, so check out the average monthly car insurance rates by age and gender in Salem, OR.

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What auto insurance coverage is required in Salem, OR?

If you want to legally drive in Oregon, regardless of what city you live in, you’ll need to meet the minimum car insurance requirements set by the state.

Oregon requires the following coverage:

  • $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

Oregon follows a no-fault insurance structure, which is why PIP coverage is required.

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

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What affects auto insurance rates in Salem, OR?

Factors like Salem, OR weather, crime, and traffic can all affect your insurance rates. We’ve pulled some Salem, OR driving facts to help you make informed car insurance decisions.

Salem, OR is the 737th most congested city in the U.S. according to INRIX; in comparison to larger and more populated cities, Salem has much less traffic.

The average commute time in Salem is 23.1 minutes, as reported by City-Data.

The FBI reports that the rate of auto theft in Salem is about 365 cars stolen per 100,000 population.

Salem, OR Auto Insurance: The Bottom Line

Whether you live in Portland, Salem, Eugene, OR, or anywhere else in the state, your best bet for saving on car insurance rates is to start by comparing quotes from at least three companies.

Before you leave, use your ZIP code in our free tool to start comparing Salem, OR auto insurance quotes so you can buy Salem, OR auto insurance when you’re ready.

Free Auto Insurance Comparison

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

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Monthly Salem, OR Auto Insurance Rates by ZIP Code
Salem, OR Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Salem, OR Auto Insurance Rates by Company vs. City Average
Salem, OR Auto Insurance Rates by Company and Age
The Cheapest Salem, OR Auto Insurance Rates by Coverage Level
The Cheapest Salem, OR Auto Insurance Rates by Credit Score
The Cheapest Salem, OR Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Salem, OR
Average Monthly Auto Insurance Rates by Age & Gender in Salem, OR
Monthly Salem, OR Auto Insurance Rates by ZIP Code
Salem, OR Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Salem, OR Auto Insurance Rates by Company vs. City Average
Salem, OR Auto Insurance Rates by Company and Age
The Cheapest Salem, OR Auto Insurance Rates by Coverage Level
The Cheapest Salem, OR Auto Insurance Rates by Credit Score
The Cheapest Salem, OR Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Salem, OR
Average Monthly Auto Insurance Rates by Age & Gender in Salem, OR