Best Salem, OR Auto Insurance in 2024(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.
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Heidi Mertlich
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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 ...
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UPDATED: Dec 9, 2024
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17,760 reviewsCompany Facts
Full Coverage in Salem OR
A.M. Best Rating
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17,760 reviews
2,180 reviewsCompany Facts
Full Coverage in Salem OR
A.M. Best Rating
Complaint Level
2,180 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 |
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- 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 Salem, OR auto insurance networks, 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. Bundling multiple policies offers a 17% discount, making it an excellent option for those seeking savings.
- 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.
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#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 essential as the company offers favorable rates even after claims, a key benefit 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, providing a hands-on approach for the best Salem, OR auto insurance.
- Comprehensive Bundling Discount: Allstate offers up to 25% off, making bundling auto and home 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’s rates for the best Salem, OR auto insurance may not be as competitive as others.
- Limited Discounts: Discount options are fewer, restricting cost-saving opportunities for Salem policyholders.
#4 – Geico: Best for Online Convenience
Pros
- Top-Tier Financial Rating: An A++ rating makes Geico one of the most reliable providers of the best Salem, OR auto insurance.
- Affordable Rates: Geico auto insurance review is key for budget-conscious Salem drivers due to its competitive pricing and affordable coverage options.
- Online Tools: Geico’s advanced platform ensures seamless policy management for Salem residents.
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.
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#5 – Progressive: Best for Policy Customization
Pros
- Policy Customization: Progressive is recognized for its flexible options and a great choice for the best Salem, OR, auto insurance.
- 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 Salem, OR auto insurance varies based on individual policies and criteria.
- Fewer Local Agents: Nationwide’s physical presence in Salem may not be as extensive as competitors, limiting face-to-face support.
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#8 – Liberty Mutual: Best for Flexible Policies
Pros
- Flexible Policies: Liberty Mutual offers customized coverage, catering to diverse needs in Salem, OR, making it one of the best auto insurance options in the city.
- 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, making in-person support less accessible for some best Salem, OR auto insurance customers.
- Complex Discount Qualifications: Discounts often require meeting multiple conditions, which may confuse 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 as 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.
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Best Salem, OR Auto Insurance Providers
This page highlights the best insurance providers in Salem, OR, showcasing their strengths, customer satisfaction, and overall value. Exploring Salem auto insurance options is key for those seeking affordable car insurance in Salem, Oregon.
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 |
Be sure to check out the auto-owners auto insurance review, which offers insights 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
To secure the best deal, comparing quotes and considering its various auto insurance coverage options is essential. By doing so, you can find affordable auto insurance in Salem, MO, that suits your needs and budget.
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.
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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.
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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 secure the best auto coverage rates in Oregon, consider factors like comprehensive and collision coverage, ensuring you have the protection you need at the best price.
Customizing Your Salem, OR Auto Insurance Policy
Customizing your Salem, OR, auto insurance policy requires understanding the available types of coverage. Geico Auto Insurance Salem, OR, offers competitive rates, and exploring the insurance policies available in Salem, Oregon, helps you select the right car coverage option.
State Farm offers the best Salem, OR auto insurance with customizable policies starting at just $83 per month, ensuring you get the coverage that fits your needs
Start comparing premiums from top-rated insurers in your area by entering your ZIP code below for the best Salem, OR auto insurance.