Best Salem, OR Auto Insurance in 2025(Review the Top 10 Companies Here)
State Farm, American Family, and Allstate offer the best Salem, OR car insurance, with full coverage starting at $83 per month. State Farm is the top choice, American Family offers the best rates for budget-conscious drivers, and Allstate is known for its flexible coverage options, ideal for various needs.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Jan 14, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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.
17,760 reviewsCompany Facts
Full Coverage in Salem OR
A.M. Best Rating
Complaint Level
17,760 reviews
2,180 reviewsCompany Facts
Full Coverage in Salem OR
A.M. Best Rating
Complaint Level
2,180 reviews
11,413 reviewsCompany Facts
Full Coverage in Salem OR
A.M. Best Rating
Complaint Level
11,413 reviewsState Farm, American Family, and Allstate offer the best Salem OR auto insurance, with rates starting at $83 per month.
State Farm is the top choice for its great value, American Family excels in affordability, and Allstate offers flexible coverage options. Review automobile liability coverage to ensure you have the protection you need.
Our Top 10 Company Picks: Best Salem, OR Auto Insurance
| Insurance Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Nationwide Accessibility | State Farm |
 | #2 | 25% | A | Rates w/Claims | American Family |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 25% | A++ | Online Convenience | Geico |
 | #5 | 10% | A+ | Policy Customization | Progressive |
 | #6 | 20% | A | Specialized Coverage | Farmers |
 | #7 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #8 | 25% | A | Flexible Policies | Liberty Mutual |
 | #9 | 13% | A++ | Innovative Discounts | Travelers |
 | #10 | 10% | A++ | Military Focus | USAA |
Enter your ZIP code into our free quote comparison tool above to discover potential savings on the best Salem OR auto insurance.
- State Farm offers the best Salem, OR auto insurance from $83/month
- American Family provides affordable coverage for Salem, OR, drivers
- Allstate delivers flexible options for the best Salem, OR auto insurance
#1 – State Farm: Top Pick Overall
Pros
- Nationwide Accessibility: State Farm provides one of the best auto insurance networks in Salem, OR, ensuring coverage is accessible anywhere in the country.
- Bundling Discount: State Farm’s auto insurance review is a must-read for Salem drivers looking to save.
- Local Presence: Salem has a large network of local agents who make it easy for residents to get personalized service.
Cons
- Lower A.M. Best Rating: With a “B” rating, State Farm’s financial strength may not be as robust as other best Salem OR auto insurance providers.
- Higher Average Rates: Premiums are slightly above average for the best Salem, OR auto insurance coverage.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – American Family: Best for Rates w/Claims
Pros
- High Bundling Discount: A 25% discount makes American Family one of the best Salem, OR auto insurance options for savings.
- Support for Claims: American Family auto insurance review is a must because the company offers favorable rates even after claims, which is one of the benefits in Salem.
- Strong Financial Rating: An A rating from A.M. Best ensures reliability in handling claims for Salem drivers.
Cons
- Limited Accessibility: American Family’s presence in Salem is not as widespread as that of other providers of the best Salem, OR auto insurance.
- Fewer Online Tools: Unlike competitors, digital policy management is less advanced for Salem customers.
#3 – Allstate: Best for Local Agents
Pros
- Local Agent Network: Allstate excels in offering local agents in Salem, pOR, who provide a hands-on approach to finding the best auto insurance in Salem
- Comprehensive Bundling Discount: Allstate offers up to 25% off, making bundling policies a great option. Read an Allstate auto insurance review to see how these savings apply.
- A+ Financial Rating: With an A+ from A.M. Best, Allstate ensures dependable claim settlements for Salem residents.
Cons
- Higher Premiums: Allstate rates on the best auto insurance in Salem, OR, might not be as competitive as those of other providers.
- Limited Discounts: Discount options are fewer, restricting cost-saving opportunities for Salem policyholders.
#4 – Geico: Best for Online Convenience
Pros
- Top Tier Financial Rating: With an A++ rating, Geico is one of the most reliable companies for providing the best Salem, OR auto insurance.
- Competitive price: Geico auto insurance review is the right choice for any budget-conscious driver in Salem with its affordable coverages and lower prices.
- Online Tools: Geico’s high-tech platform provides hassle-free policy management for the people of Salem.
Cons
- Limited Local Support: Geico’s lack of a physical agent presence in Salem might be a drawback for those seeking in-person assistance for the best Salem OR auto insurance.
- Selective Discounts: Bundling discounts are capped at 25%, slightly less than some competitors in Salem.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Progressive: Best for Policy Customization
Pros
- Policy Customization: Progressive is recognized for its flexible options and is a great choice for the best auto insurance in Salem, OR.
- Snapshot Program: It offers personalized rates based on driving habits. This is one of the unique features available in Salem.
- Strong Financial Support: With an A+ rating, Progressive guarantees claim reliability for the people of Salem.
Cons
- Lower Bundling Discounts: At 10%, Progressive’s bundling savings are less competitive among the best Salem, OR auto insurance providers.
- Prospective Rate Increases: Premium rates in Salem can rise significantly after an at-fault accident. A Progressive auto insurance review will help you understand how they adjust rates and what coverage options are available.
#6 – Farmers: Best for Specialized Coverage
Pros
- Specialized Coverage Options: Farmers offers specialized coverage types, such as rideshare insurance, which is perfect for Salem drivers who need special policies.
- Bundling Discount: Farmers carries a 20 percent discount with bundling, making it a close competitor for the best auto insurance in Salem, OR.
- Access to Customer Support: Local agents in Salem provide personalized assistance for complex insurance needs.
Cons
- Higher Premiums: Farmers’ rates are higher than the average for the best Salem, OR, auto insurance. Check the Farmers auto insurance review to see if their coverage fits your needs.
- Limited Online Features: The digital tools for policy management are less comprehensive than those of other top providers in Salem.
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide rewards safe driving, a key feature for the best Salem, OR auto insurance. Check out the Nationwide auto insurance review to learn more.
- Strong Financial Rating: An A+ rating from A.M. Best ensures dependable claims handling for Salem policyholders.
- Decent Bundling Discount: A 20% discount helps reduce costs for Salem residents insuring multiple assets.
Cons
- Inconsistent Discounts: Discount eligibility for the best auto insurance in Salem, OR, depends on individual policies and criteria.
- Fewer Local Agents: The company’s presence in Salem, OR, is not as broad as that of the other competitors, so face-to-face support is restricted.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Liberty Mutual: Best for Flexible Policies
Pros
- Flexible Policies: Liberty Mutual is one of the best in Salem, OR, because it provides coverage suited to various needs.
- Bundling Discount: A hefty 25% discount prompts savings for Salem drivers and bundles auto and home insurance.
- High Comprehensive Add-Ons: Accident forgiveness and new car replacements are very attractive to Salem residents.
Cons
- Higher Complaint Level: Liberty Mutual has a slightly higher complaint rate than other Best Salem OR auto insurance providers.
- Above-Average Rates: Liberty Mutual auto insurance review shows that premiums are often higher for their policies in Salem.
#9 – Travelers: Best for Innovative Discounts
Pros
- Innovative Discounts: Travelers offers exclusive discounts, like hybrid car discounts, that will appeal to environmentally conscious Salem drivers seeking the best Salem OR auto insurance.
- A++ Financial Rating: Travelers’ financial strength ensures that claims are reliable for Salem policyholders.
- Robust Digital Tools: The online platform simplifies policy management for Salem residents, making it a key reason to read the Travelers auto insurance review.
Cons
- Limited Local Presence: Travelers has fewer agents in Salem, which makes in-person support less accessible for some best Salem OR auto insurance customers.
- Complex Discount Qualification: The conditions under which discounts apply are usually not simple, confusing many Salem drivers.
#10 – USAA: Best for Military Focus
Pros
- Exclusive Military Focus: USAA specializes in serving military members and their families, offering tailored coverage for the best Salem, OR auto insurance.
- A++ Financial Rating: One of the strongest financial ratings ensures reliability for qualifying Salem drivers.
- Affordable Rates: Consistently among the cheapest providers of the best Salem, OR auto insurance.
Cons
- Eligibility Restrictions: USAA auto insurance review is crucial. It’s only available to military members, veterans, and their families, limiting access for many Salem residents.
- Limited Local Agents: USAA relies heavily on online and phone support, which may not suit Salem drivers seeking face-to-face service.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Best Salem, OR Auto Insurance Companies
This page shows the best insurance companies in Salem, OR, including their strengths, customer satisfaction, and overall value. Exploring Salem auto insurance options is key for those seeking affordable car insurance.
Salem, OR Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $101 | $201 |
| $93 | $193 |
| $110 | $210 |
| $101 | $201 |
| $130 | $230 |
| $120 | $220 |
| $103 | $203 |
| $83 | $174 |
| $140 | $240 |
| $88 | $188 |
Look at the auto-owners auto insurance review, which provides insight into one of the best insurance providers in Salem, OR.
Key Factors for Low-Cost Salem, OR Auto Insurance
When looking for cheap auto insurance near Salem, Oregon, consider your driving history, location, and coverage needs.
Auto Insurance Discounts From the Top Providers in Salem, OR
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Early Signing, Responsible Payer, Senior Citizen, Deductible Rewards, New Car, Utility Vehicle, Anti-Lock Brake, Vehicle Equipment Discounts. |
| Multi-Policy, Loyalty, Smart Home, Early Bird, Low Mileage, Safe Driver, Generational, Adaptive Headlights, Teen Safe Driver Program. |
| Bundling, Signal (Telematics Program), Professional Group, Affinity, Shared Family Car, Anti-Theft, Occupation-Based Discounts (teachers, doctors, etc.), Home Security Discounts. |
| Multi-Policy, Military, Federal Employee, Good Driver, New Vehicle, Seat Belt Use, Emergency Deployment, Anti-Theft System, Membership & Employee Discounts. |
| Multi-Policy, Hybrid Vehicle, Accident-Free, Violation-Free, New Car Replacement, Alternative Energy Vehicle, Student Away, Newly Married, Newly Retired. |
| Bundling, Vanishing Deductible, SmartRide Program, SmartMiles Program, Accident-Free, Family Plan, Anti-Lock Brakes, Passive Restraint System, New Graduate. |
| Multi-Car, Pay-in-Full, Automatic Payment, Homeowner, Continuous Insurance, Snapshot Program, E-sign, Paperless Statements, Custom Parts and Equipment Coverage. |
| Bundling, Safe Driver, Good Student, Accident-Free, Drive Safe & Save, Multiple Cars, Steer Clear Program, Homeowner, Defensive Driving Course. |
| Multi-Policy, IntelliDrive (Telematics), Homeownership, Continuous Coverage, Green Vehicle, Payment-Based Discounts (pay-in-full, EFT), Early Quote, Good Payer. |
| Multi-Vehicle, Storage (for military), Vehicle Garaging, Military Installation, Family Legacy, Annual Mileage, Advanced Safety Features, Deployment, New Vehicle Replacement. |
High-risk drivers may face higher premiums, so understanding these elements can help secure low-cost car insurance and the best auto coverage in Salem, Oregon.
How to Compare Salem OR Auto Insurance Quotes
Compare quotes and look at its various auto insurance coverage options for the best deal. This way, you can find affordable auto insurance that fits your needs and budget in Salem, MO.
Whether you’re looking to find car insurance in Salem, OR, or exploring the top car insurance providers in Salem, understanding your options will ensure you make the best choice for your coverage.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Discounts and Save on Best Salem, OR Auto Insurance
Salem OR drivers can reduce premiums by taking advantage of savings opportunities, such as a safe discount and bundling policies.
State Farm offers the best Salem, OR auto insurance with rates starting at just $83 per month, making it an excellent choice for those looking to save.
Scott W. Johnson Licensed Insurance Agent
Explore Salem, OR, auto insurance quotes to find the best rates, and check out insurance agencies in Salem, Oregon, for guidance. Working with reliable insurers in Salem, Oregon, is essential to ensure you get the best coverage for your needs.
Tailing Your Best Salem, OR Auto Insurance Policy
When shopping for auto insurance, exploring various insurance agencies in Salem, Oregon, to find the most reliable options is essential. Reliable insurers offer a range of policies, allowing you to compare Salem, Oregon, car insurance rates effectively.
To get the best auto insurance quotes in Oregon, consider comprehensive and collision coverage to ensure you have the protection you need at the best price.
Customize Your Salem OR Auto Insurance Policy
Understanding the types of coverage available in Salem, OR, is essential for customizing your auto insurance policy. Geico Auto Insurance Salem, OR, provides competitive rates, and exploring the insurance policies available in Salem, Oregon, will help you select the right coverage option.
State Farm provides the best auto insurance in Salem, OR, with customizing options at an affordable $83 per month, where you get the policy you need.
Start comparing premiums from top-rated insurers in your area by entering your ZIP code below for the best Salem, OR auto insurance.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What are the best options for auto insurance in Salem, Oregon?
Consider researching local insurance agencies for personalized quotes when looking for auto insurance in Salem, Oregon. Many reliable insurers offer a variety of coverage plans tailored to the needs of Salem, OR, drivers. For more clarity, see our list of the most expensive cars to insure.
How can I find affordable car insurance in Salem, Oregon?
To find affordable car insurance in Salem, Oregon, start by comparing Salem, Oregon, car insurance rates from different insurance agencies in Salem, Oregon. Many options, like cheap auto insurance near Salem, Oregon, offer discounts based on driving history and coverage choices. Enter your ZIP code to compare rates from the top providers near you.
What are the Salem auto insurance options for new drivers?
New drivers in Salem can explore several Salem auto insurance options. These often include policies that provide the necessary coverage for new drivers while ensuring the most affordable pricing, such as low-cost car insurance tailored to their needs.
Which are the best insurance providers in Salem, OR, for comprehensive coverage?
The best insurance providers in Salem, OR, for comprehensive coverage typically include large national insurers and local companies that offer extensive plans. Make sure to find car insurance in Salem, OR, that includes collision and liability protection for complete peace of mind.
How do I get cheap auto insurance near Salem, Oregon?
To get cheap auto insurance near Salem, Oregon, compare quotes from multiple insurers, focusing on policies with the right balance of auto coverage in Salem, Oregon, and cost. Discounts for bundling services or safe driving may help lower premiums. Get more details by checking our types of auto insurance coverage.
Can I find affordable auto insurance in Salem, MO, for young drivers?
Yes, young drivers can find affordable auto insurance in Salem, MO, by shopping for low-cost car insurance options. Many insurers offer special discounts for young drivers with good grades or who have completed a driver’s education course.
What is the process to find car insurance in Salem, OR, with good coverage and rates?
To find car insurance in Salem, OR with excellent coverage and competitive rates, it’s important to compare Salem, Oregon, car insurance rates from different providers. Check each policy for comprehensive coverage options that meet your needs and budget.
What are the top car insurance providers in Salem for custom plans?
The top car insurance providers in Salem are known for offering custom policies. Whether you’re seeking auto coverage in Salem, Oregon, for specific needs, or want to explore insurance policies available in Salem, Oregon, many insurers offer flexibility in their plans.
How can I get the best auto coverage rates in Oregon?
Compare quotes from different providers to get Oregon’s best auto coverage rates. Ensure you’re selecting a plan that offers the best auto coverage rates in Oregon while considering the coverage limits and available discounts. Gain deeper insights by reading our automobile liability coverage.
What are the benefits of choosing Geico Auto Insurance in Salem, OR?
One of the benefits of choosing Geico Auto Insurance Salem, OR, is its reputation for offering reliable, affordable options. Geico also provides easy online quote tools, making it easy to compare auto insurance quotes in Oregon City and select the right coverage. Enter your ZIP code to compare premiums from highly rated insurers in your area.