Salem, OR Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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.
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.
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:
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.
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.
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.
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.
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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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.
Frequently Asked Questions
What factors can affect my auto insurance premiums in Salem, OR?
Several factors can impact your auto insurance premiums in Salem, OR, including your driving record, age, gender, marital status, the type of vehicle you drive, your credit history, the coverage limits you choose, and the deductible amounts. Insurance companies also consider the local crime rates and the frequency of accidents in your area.
How can I save money on auto insurance in Salem, OR?
Here are some tips to help you save money on auto insurance in Salem, OR:
- Compare quotes from multiple insurance companies to find the best rate.
- Maintain a clean driving record and avoid traffic violations.
- Consider raising your deductibles, but make sure you can afford them if you need to file a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to qualify for discounts.
- Ask your insurance company about available discounts, such as those for good students, safe driving courses, or installing anti-theft devices in your vehicle.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist (UM/UIM) coverage is designed to protect you if you are involved in an accident with a driver who either has no insurance or does not have enough insurance to cover your damages. It can help pay for medical expenses, lost wages, and property damage resulting from such accidents.
What is comprehensive coverage?
Comprehensive coverage is another optional insurance component that provides coverage for damage to your vehicle caused by non-collision events, such as theft, vandalism, fire, falling objects, or natural disasters. It also covers the cost of replacing your vehicle if it is stolen. Like collision coverage, comprehensive coverage is subject to a deductible.
Can I use my auto insurance policy to cover rental cars in Salem, OR?
It depends on your policy. Some auto insurance policies provide coverage for rental cars, but the extent of coverage may vary. Review your policy or contact your insurance provider to understand the rental car coverage options available to you.
Do I need additional coverage if I use my personal vehicle for ridesharing services in Salem, OR?
Yes, you typically need additional coverage if you use your personal vehicle for ridesharing services like Uber or Lyft in Salem, OR. Most personal auto insurance policies do not cover accidents or incidents that occur while using your vehicle for commercial purposes. Rideshare companies usually offer their own insurance coverage during specific periods, but it’s essential to understand the details and consider additional coverage options to ensure adequate protection.
What is an insurance deductible?
An insurance deductible is the amount you are responsible for paying out of pocket before your insurance coverage starts to pay for a claim. For example, if you have a $500 deductible and file a claim for $2,000 in damages, you would pay the first $500, and your insurance would cover the remaining $1,500 (subject to policy limits).
Can I transfer my out-of-state auto insurance to Salem, OR?
If you are moving to Salem, OR, you will generally need to obtain auto insurance that meets the state’s minimum requirements. While some insurance companies may allow policy transfers from out-of-state, it’s advisable to contact your insurance provider to discuss your specific situation and ensure you have the appropriate coverage for Oregon.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
