Best Salem, OR Auto Insurance in 2024
Salem, OR auto insurance rates are $294.96/mo or $3,539.52 annually. The cheapest auto insurance in Salem, Oregon is found with USAA and Geico. Comparing car insurance companies in Salem, OR can save you a lot of money.
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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 ...
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UPDATED: Nov 13, 2024
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- On average, Salem residents pay $294.96 per month for auto insurance.
- Women aged sixty receive the cheapest auto insurance rates in Salem.
- Insurance companies take your age, gender, credit history, driving record, and more into consideration when determining rates.
Looking for cheap car insurance? Salem, OR auto insurance rates on average are $294.96 per month and $3,539.52 annually. The state capital may be laid back, but it is also the third-largest city in the state, making auto insurance premiums slightly higher due to metropolitan driving risks.
Keep reading, this comprehensive guide will help you get cheap insurance in Salem, Oregon in spite of the rush hour traffic and vehicle operating costs that may be boosting your rates.
Ready to start comparing cheap auto insurance rates in Salem, Oregon? Enter your ZIP code into our FREE tool above to start shopping.
Auto Insurance Rates in Salem
Are you ready to secure the best auto insurance rates in Salem? To do that, you have to understand what factors insurance companies use to establish your quotes. One factor is Oregon auto insurance laws, which determine the amount of coverage you have to carry.
Companies determine your auto insurance by age and gender, but they don’t stop there. Companies also determine your auto insurance by ZIP code, your credit history, your driving record, and even your commute length.
Keep in mind, some companies charge more based on your gender, others charge more based on your credit history. Therefore, comparison shopping will also help you score better rates than the average auto insurance cost in Salem.
Does gender & age affect my auto insurance in Salem?
For those who aren’t in the know, yes, companies will determine your auto insurance rates by gender and age. However, age impacts your overall costs more than gender.
The median age in Salem is 35 years old. Do you fall into this age bracket? Take a look at the average auto insurance rates real people in Salem are paying by age group in the table below.
Salem, OR Average Annual Auto Insurance Rates by Age
| Driver Age | Average Annual Auto Insurance Rate |
|---|---|
| 60-years old | $2,163.16 |
| 35-years old | $2,325.40 |
| 25-years old | $2,557.04 |
| 17-years old | $7,931.62 |
Sixty-year-olds receive cheap insurance in Salem, Oregon. 35-year-olds are not far behind, paying only $13.52 a month more on average than sixty-year-olds.
Take a look at the following graph, which compares monthly rates for auto insurance Salem, Oregon residents pay by age.
Teenagers by far pay the most for their auto insurance, primarily because companies believe their lack of driving experience makes them high-risk drivers.
Now let’s explore how your gender can impact your Salem auto insurance rates. Take a look at the following table.
Salem, OR Average Annual Auto Insurance Rates by Gender
| Driver Gender | Average Annual Auto Insurance Rate |
|---|---|
| Female | $3,606.83 |
| Male | $3,744.30 |
Unlike the $447.88 per month difference 17-year-olds pay over 25-year-olds, the cost disparity between men and women is far less severe. Men are only paying $11.46 per month more than women in Salem.
However, the best average auto insurance rates by gender and age monthly are women aged 60 or older. Take a look at the table below, which combines age and gender.
Salem, OR Average Annual Auto Insurance Rates by Age and Gender
| Driver Demographics | Average Annual Auto Insurance Rate |
|---|---|
| Married 60-year old female | $2,129.51 |
| Married 60-year old male | $2,196.81 |
| Married 35-year old male | $2,302.87 |
| Married 35-year old female | $2,347.93 |
| Single 25-year old female | $2,547.73 |
| Single 25-year old male | $2,566.36 |
| Single 17-year old female | $7,402.15 |
| Single 17-year old male | $8,461.09 |
| Average | $3,744.30 |
Sixty-year-old men aren’t far behind when it comes to the cheapest auto insurance rates. They only pay $5.60 more per month than their female counterparts.
The older you get, the less you’ll pay for auto insurance. But remember, age and gender are not the only things auto insurance companies care about when determining your rates.
How is your driving record? What about your credit history? Keep reading to find out even more questions auto insurance companies will ask you about.
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What ZIP codes have the cheapest auto insurance rates in Salem?
Your ZIP code matters to auto insurance companies. How do companies determine your rates for insurance by ZIP codes? Reviews of crime rates and statistics.
The lowest insurance ZIP codes often have the lowest crime rates in the city. Areas with more crime tend to also have the highest auto insurance rates by ZIP codes.
Are you paying more or less than your neighbors? Take a look at the following table to see average auto insurance by ZIP code in Salem.
Salem, OR Average Annual Auto Insurance Rates by ZIP Code
| Salem, OR ZIP Code | Average Annual Auto Insurance Rate |
|---|---|
| 97303 | $3,507.55 |
| 97306 | $3,509.72 |
| 97304 | $3,517.48 |
| 97302 | $3,540.97 |
| 97317 | $3,579.36 |
| 97305 | $3,582.02 |
If you live in 97303, you’re likely paying the lowest rates in the city. Residents of 97305 pay the most. However, the difference is minimal. Those living in 97305 pay only $2.66 more per month than the lowest paying ZIP code.
Budget-friendly auto insurance is usually associated with urban areas that have a low population density. Fewer cars on the highway mean fewer opportunities to get involved in an accident.
The following graph compares Salem to its neighboring cities for their average monthly auto insurance rates.
Fortunately, if you live in Salem, the lower density of the city means you get cheaper auto insurance rates than more compact cities like Portland.
Which companies have the best auto insurance rates in Salem?
While best is a relative term, some companies will always provide you with higher auto insurance quotes than others simply because that company may not be very active in the city where you live.
While most of the major commercial auto insurance companies are active in Salem, not all of them offer lower auto insurance rates.
Keep reading to learn how to avoid paying the highest auto insurance rates by Salem standards.
Cheapest Auto Insurance Rates by Company
Price is often a driving factor. Those looking for cheap insurance companies in Salem, Oregon, are hardly alone. The following table shows what people in Salem pay on average through the leading commercial auto insurance companies.
Salem, OR Average Annual Auto Insurance Rates by Age and Gender
| Companies | Average Annual Rates for a Married 60-Year-Old Female | Average Annual Rates for a Married 60-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female | Average Annual Rates for a Married 35-Year-Old Male | Average Annual Rates for a Single 25-Year-Old Female | Average Annual Rates for a Single 25-Year-Old Male | Average Annual Rates for a Single 17-Year-Old Female | Average Annual Rates for a Single 17-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female |
|---|---|---|---|---|---|---|---|---|---|
| State Farm | $1,663.70 | $1,663.70 | $1,805.73 | $1,805.73 | $2,052.34 | $2,343.29 | $5,856.56 | $7,360.24 | $3,068.91 |
| USAA | $1,675.91 | $1,608.94 | $1,681.47 | $1,626.24 | $2,165.01 | $2,236.86 | $5,180.14 | $5,536.84 | $2,713.93 |
| Progressive | $1,740.26 | $1,790.87 | $1,993.23 | $1,796.44 | $2,370.66 | $2,222.20 | $8,708.85 | $9,576.08 | $3,774.82 |
| Travelers | $1,806.43 | $1,880.65 | $1,985.12 | $2,003.42 | $2,069.17 | $2,104.89 | $5,770.89 | $7,076.13 | $3,087.09 |
| Farmers | $1,981.03 | $2,113.55 | $2,247.96 | $2,210.82 | $2,518.07 | $2,573.61 | $9,746.21 | $10,031.63 | $4,177.86 |
| Nationwide | $2,126.02 | $2,216.69 | $2,383.91 | $2,364.39 | $2,790.39 | $2,932.03 | $5,542.01 | $6,911.05 | $3,408.31 |
| American Family | $2,217.36 | $2,217.36 | $2,487.89 | $2,487.89 | $2,487.89 | $2,598.69 | $6,176.71 | $9,704.13 | $3,797.24 |
| Geico | $2,225.06 | $2,270.87 | $2,348.44 | $2,272.67 | $2,495.09 | $2,130.15 | $6,164.35 | $5,587.81 | $3,186.81 |
| Liberty Mutual | $2,685.19 | $2,991.93 | $3,090.00 | $3,254.38 | $2,939.60 | $2,944.13 | $10,066.53 | $10,851.60 | $4,852.92 |
| Allstate | $3,174.09 | $3,213.55 | $3,455.51 | $3,206.75 | $3,589.06 | $3,577.70 | $10,809.23 | $11,975.39 | $5,375.16 |
No matter who you are, you’ll want to avoid using Allstate and Liberty Mutual. Their rates just cannot compare to other companies.
USAA offers the lowest rates only if you’re 35 and older. USAA is a military insurance company, so not everyone is eligible to use their services. If you are not an active or retired military personnel, you must look elsewhere.
Fortunately, State Farm and Travelers offer competitive rates for all age brackets.
If you’re a 25-year-old male, add Geico to your list. Their average rates are lower for you than both State Farm and USAA.
Teenagers will also benefit from comparison shopping.
Nationwide provides 17-year-old women with very competitive rates. 17-year-old men should look into Geico. Both companies offer rates that are comparable to USAA.
The following graph looks at the monthly rates from a few more auto insurance companies in Salem.
Grange and Cal Casualty offer some low monthly rates for Salem residents. Consider adding them to your list of companies to look into while comparison shopping.
Best Auto Insurance for Commute Rates
While it may seem strange, auto insurance companies do factor in the length of your commute when determining your auto insurance rates.
The more you drive, the more likely you are to get into an accident. An extra-long commute can, therefore, make you a more risky driver for insurance companies to insure.
Residents of Oregon drive an average of 12,425 miles every year. That is lower than the national average of 14,132 miles.
According to DataUSA, the average commute length in Salem is 20.6 minutes, five minutes less than the national average.
While Salem commuters drive less than the national average, 1.71 percent of residents are known as super commuters, which means they drive 90 minutes or more to and from work.
Take a look at the following table to see how your commute length in Salem may impact your insurance rates.
Salem, OR Average Annual Auto Insurance Rates by Commute
| Companines | Average Annual Rates for 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12,000 Annual Mileage | Average Annual Rates |
|---|---|---|---|
| USAA | $2,636.17 | $2,791.68 | $2,713.93 |
| Travelers | $2,963.26 | $3,210.91 | $3,087.09 |
| State Farm | $2,987.18 | $3,150.64 | $3,068.91 |
| Geico | $3,134.42 | $3,239.19 | $3,186.81 |
| Nationwide | $3,408.31 | $3,408.31 | $3,408.31 |
| American Family | $3,737.57 | $3,856.91 | $3,797.24 |
| Progressive | $3,774.82 | $3,774.82 | $3,774.82 |
| Farmers | $4,177.86 | $4,177.86 | $4,177.86 |
| Liberty Mutual | $4,852.92 | $4,852.92 | $4,852.92 |
| Allstate | $5,375.16 | $5,375.16 | $5,375.16 |
Unfortunately, if your commute is longer than the state average, all of the cheaper insurance companies in Salem will charge you slightly more.
Nationwide, Progressive and some more expensive companies do not charge different rates for longer commutes.
Best Auto Insurance for Coverage Level Rates
While the weather in Salem tends to be mild year-round, residents of this northwest city are no strangers to rain. The city gets around 45 inches of rain per year, far more than the national average of 38 inches.
Rain mixes with oil on the asphalt, making road conditions especially dangerous and slippery.
You may want to consider purchasing an auto insurance policy with higher coverage levels. Take a look at what companies charge on average based on the coverage level you choose in the table below.
Salem, OR Average Annual Auto Insurance Rates by Coverage Level
| Companies | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average Annual Rates for High Coverage | Average Annual Rates |
|---|---|---|---|---|
| USAA | $2,583.91 | $2,717.28 | $2,840.59 | $2,713.93 |
| Geico | $2,863.84 | $3,206.41 | $3,490.17 | $3,186.81 |
| Travelers | $2,877.75 | $3,068.93 | $3,314.58 | $3,087.09 |
| State Farm | $2,880.30 | $3,075.33 | $3,251.11 | $3,068.91 |
| Nationwide | $3,225.22 | $3,502.23 | $3,497.48 | $3,408.31 |
| Progressive | $3,620.82 | $3,754.56 | $3,949.10 | $3,774.83 |
| American Family | $3,767.29 | $4,018.44 | $3,605.99 | $3,797.24 |
| Farmers | $3,876.45 | $4,115.03 | $4,542.10 | $4,177.86 |
| Liberty Mutual | $4,520.11 | $4,839.06 | $5,199.59 | $4,852.92 |
| Allstate | $5,092.19 | $5,362.04 | $5,671.25 | $5,375.16 |
Most companies in Salem charge around t$200 more annually for mid to high auto coverage. The following graph compares monthly basic and comprehensive coverage from a few more auto insurance providers in the Salem area.
As you can see, the difference between basic and comprehensive coverage can sometimes be quite high.
However, If it fits your budget, investing upfront could save you thousands should an accident occur by hydroplaning and losing control of your vehicle, especially if you have a newer vehicle or are leasing or financing your car.
Best Auto Insurance for Credit History Rates
Have you checked your credit score recently? Because insurance companies will. If you have poor or fair credit history, it may negatively impact your auto insurance rates. See what we mean in the table below.
Salem, OR Average Annual Auto Insurance Rates by Credit History
| Companies | Average Annual Rates with Good Credit | Average Annual Rates with Fair Credit | Average Annual Rates with Poor Credit | Average Annual Rates |
|---|---|---|---|---|
| USAA | $1,815.93 | $2,275.01 | $4,050.84 | $2,713.93 |
| State Farm | $2,185.27 | $2,733.11 | $4,288.36 | $3,068.91 |
| Travelers | $2,386.56 | $3,034.21 | $3,840.49 | $3,087.09 |
| Geico | $2,529.12 | $3,186.82 | $3,844.48 | $3,186.81 |
| Nationwide | $2,836.06 | $3,271.01 | $4,117.87 | $3,408.31 |
| American Family | $3,003.62 | $3,562.86 | $4,825.24 | $3,797.24 |
| Liberty Mutual | $3,232.17 | $4,197.11 | $7,129.47 | $4,852.92 |
| Progressive | $3,423.46 | $3,670.65 | $4,230.36 | $3,774.82 |
| Farmers | $3,765.34 | $3,969.88 | $4,798.36 | $4,177.86 |
| Allstate | $4,090.37 | $4,965.23 | $7,069.88 | $5,375.16 |
As you can see, in Salem poor credit history can result in paying thousands more for auto insurance than those with good credit.
The following graph breaks down Salem’s average rates by credit history on a monthly basis. Check it out.
To insurance companies, being responsible with your money means you’re a more responsible driver. Therefore, you get lower rates.
Best Auto Insurance for Driving Record Rates
Arguably, your driving record has the biggest impact on your auto insurance rates. Take a look at the table below to get a better idea of how even one driving incident can increase your rates.
Salem, OR Average Annual Auto Insurance Rates by Driving Record
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation | Average Annual Rates |
|---|---|---|---|---|---|
| USAA | $1,962.58 | $2,752.56 | $3,839.47 | $2,301.09 | $2,851.54 |
| Geico | $2,083.04 | $3,352.95 | $4,446.23 | $2,865.00 | $3,294.07 |
| Travelers | $2,497.72 | $3,201.22 | $3,603.87 | $3,045.54 | $3,100.94 |
| American Family | $2,644.31 | $4,036.39 | $5,118.03 | $3,390.22 | $3,932.91 |
| State Farm | $2,712.81 | $3,567.46 | $2,997.69 | $2,997.69 | $3,092.65 |
| Progressive | $2,837.67 | $5,214.77 | $3,663.08 | $3,383.78 | $3,905.17 |
| Nationwide | $2,889.94 | $3,095.21 | $4,379.55 | $3,268.54 | $3,454.90 |
| Farmers | $3,525.60 | $4,550.84 | $4,448.30 | $4,186.70 | $4,174.91 |
| Allstate | $4,292.22 | $5,852.10 | $6,071.69 | $5,284.63 | $5,405.34 |
| Liberty Mutual | $4,298.30 | $4,814.63 | $5,519.62 | $4,779.13 | $4,877.52 |
Drivers with a clean driving record have proven themselves to be low-risk for insurance companies. Not only do you get the best rates, but you also could qualify for safe-driver car insurance discounts depending on what company you use.
See the following graph, which breaks down auto insurance rates by driving record into monthly rates.
Save yourself money, time, and stress by always practicing safe driving techniques. If you already have driving violations on your record, look into safe driver courses offered by insurance companies that can help lower your rates.
What affects auto insurance rates in Salem?
We’ve now discussed the different factors that affect auto insurance in Salem, including everything from your age to your driving record.
Believe it or not, there is still more to cover before we’ve fully answered the question of how are car insurance premiums calculated?
Auto insurance rating tiers have become more popular with major commercial insurance companies. Proving your a lower risk driver who is unlikely to get into an accident puts you into a better rating tier with lower auto insurance rates.
You can also qualify for safe driver discounts, which will help you save money.
To secure cheap auto insurance in Salem, Oregon, you also have to pay attention to what driving is like in the city.
For example, your auto insurance quotes in Salem may be lower because of better quality roads. However, crime rates and even traffic congestion may mitigate those savings.
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Road Conditions in Salem
As mentioned above, Salem’s road conditions are relatively high quality compared to much of the country. Take a look at the following table.
Salem, OR Road Conditions
| Road Condition | Total Percent of Salem Roads |
|---|---|
| Poor share | 8% |
| Mediocre share | 17% |
| Fair share | 12% |
| Good Share | 62% |
The majority of Salem roads are in good condition, and the vehicle operating cost in the city is only around $257, which is low for a metropolitan area. These numbers are definitely helping you save on insurance rates.
Let’s take a look at the number of fatal accidents that have occurred in Salem. See the following graph.
Fortunately, the numbers are relatively low, especially for a city. You can drive easier knowing you’re surrounded by many other safe-minded cars on the road. Fewer accidents definitely mean lower auto insurance rates.
Vehicle Theft in Salem
We’ve briefly talked about how crime rates in your area can raise your auto insurance rates. Take a look at the rates of crime in Salem from 2017. This data comes from the FBI.
Salem, OR Crime Statistics
| Crime Type | Total Offenses |
|---|---|
| Property crime | 7,195 |
| Larceny- theft | 5,437 |
| Burglary | 897 |
| Motor vehicle theft | 861 |
| Violent crime | 641 |
| Aggravated assault | 424 |
| Robbery | 167 |
| Rape | 44 |
| Arson | 34 |
| Murder and nonnegligent manslaughter | 6 |
Keep in mind that Salem has a population of 169,798 residents. Eight hundred car thefts in a single year are actually not that bad. However, Salem has slightly higher crime rates than the state average, which does mean higher auto insurance rates.
According to Neighborhood Scout, you have a one in a 236 chance of becoming a victim of violent crime in the city. That is higher than the Oregon state average, which is one in 350.
Traffic Congestion in Oregon
Fortunately, traffic in Salem is not bad for a city of its size. Inrix reports that drivers lost 10 hours of time due to traffic congestion in 2019. By comparison, Portland drivers lost 89 hours.
However, insurance companies assume that if you live in Salem, you will likely be driving through busier cities like Portland. That backed-up traffic can, therefore, raise your auto insurance rates.
In 2017, local news station KOIN6 criticized the state of Oregon for being unwilling to address the increasing traffic congestion concerns in the state. Check out their video below.
More cars on the road lead to more opportunities for accidents. While there are plenty of road safety tips drivers can follow in busy cities, insurance companies still believe the extra congestion means riskier driving.
We used data from Numbeo to compare traffic inefficiencies between Salem and other major cities in the state. See how the city compares in the table below.
Oregon Major City Traffic Index
| City | Traffic Index | Time Index | Inefficiency Index |
|---|---|---|---|
| Salem | 97.22 | 18.46 | 88.05 |
| Eugene | 108.56 | 23.75 | 128.00 |
| Portland | 148.85 | 33.29 | 162.55 |
The traffic index is a composite score of all driving inefficiencies within a city. The time index measures how long an average one-way trip is in a city.
The traffic inefficiency scores how much congestion there is in the area. For the traffic index and time index, a lower score is better.
While Salem’s scores are okay, Portland and Eugene both prove how busy Oregon streets really get. To insurance companies, that added risk means higher auto insurance rates.
Allstate America’s Best Drivers Report
Just like it sounds, the Allstate America’s Best Driver Report ranks the largest 200 cities in the country based on how safe drivers are in the city.
In 2019, Salem was the 102nd-safest city. The city increased its position by an impressive 26 places.
Drivers in Salem usually go about nine years between claims. They experience around 19.6 hard breaking moments for every 1,000 miles driven.
How is traffic in Salem?
We’ve already discussed how most of the traffic problems in Salem are a result of congested driving. The worst effects of traffic congestion in the state can really be felt in Portland and Eugene.
What are the major causes of traffic jams? Rush hour traffic. DataUSA reports that in Salem, 73.7 percent of commuters drive alone to work and another 13.2 percent carpool.
Fortunately, in 2019 the Oregon Department of Transportation teamed up with the community of Portland to plan construction to the I-5 Rose Quarter portion of the highway to clear up congestion and promote safer driving.
Check out their video below.
While this project could save Oregon drivers 2.5 million hours of travel time per year, it’s still years away from completion.
Other than construction, the only way to decrease the causes of traffic congestion in Salem is to have fewer cars on the road during peak morning and evening driving times.
In the meantime, individual drivers in the city wondering how to reduce traffic should consider using public transportation or biking.
Your Vehicle
As you can see from the chart below, in Salem it costs substantially more to insure a luxury vehicle than a typical fuel-efficient sedan.
In addition to the higher price of the luxury vehicle, most drivers tend to purchase more insurance coverage. The more coverage your purchase, the higher your monthly rate will be.
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Frequently Asked Questions: Cheap Auto Insurance in Salem, OR
You are now ready to get the cheapest auto insurance rates in Salem, Oregon. Use this guide while you comparison shop for great rates. Have more questions? Check out our frequently asked questions below.
#1 – Who has the cheapest auto insurance in Oregon?
If you’re looking for cheap insurance places in Salem, Oregon, USAA provides the cheapest auto insurance rates for those 35 or older. Who offers the cheapest auto insurance for teenage girls? Try Nationwide insurance in Salem, Oregon.
Make sure you don’t confuse State Farm Salem, Indiana rates with Oregon rates.
#2 – How much does car insurance cost in Oregon?
On average, Salem residents pay $294.96 per month or $3,539.52 annually for auto insurance.
#3 – Why is auto insurance so expensive in Oregon
Dense city populations, poor road conditions, high rates of road accidents, crime, and even traffic congestion can all lead to higher auto insurance rates.
#4 – What is the minimum auto insurance coverage in Oregon?
The minimum bodily injury and property damage liability amount is $25,000 per person, $50,000 per crash, and $20,000 for property damage. You must also have $15,000 for personal injury protection.
Oregon also requires uninsured motorist coverage. The minimum is $25,000 per person and $50,000 per crash for bodily injury.
#5 – Is Oregon a fault or no-fault state?
Oregon follows an at-fault system for car accidents.
#6 – What happens if you get caught driving without insurance in Oregon?
You could lose your license for up to one year and you may have to pay a hefty fine.
Start shopping for cheap car insurance in Salem, OR right away by entering your ZIP code into our FREE tool below.