Salem, OR Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Salem.
How much does car insurance cost in Salem?
The average car insurance rate in Salem is $775 for six months. That's more than the statewide average in Oregon ($731) and pricier than the national average of $880. Our guide to Salem car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Salem vs. Oregon | Average 6 Mo. Premium |
|---|---|
| Salem average | $775 |
| Oregon average | $731 |
The Zebra's key takeaways about car insurance in Salem:
- The average cost of a car insurance policy in Salem is $775 per six-month policy — $129 per month.
- The cheapest company in Salem is Country ($484).
- 39% of Zebra customers in Salem stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Salem car insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Salem, Country provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Salem — but don't forget to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Country | $484 |
| GEICO | $532 |
| USAA | $564 |
| State Farm | $599 |
| Progressive | $766 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Salem.
Salem auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 28% of Salem drivers. Salem drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $691 per six-month policy, on average. Those in their 60s don't pay significantly more ($708).
Teenage drivers pay Salem's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Salem is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Salem is $3,867, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,945 |
| 20s | $1,012 |
| 30s | $766 |
| 40s | $725 |
| 50s | $691 |
| 60s | $708 |
| 70s | $881 |
Salem car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. Salem drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 59% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Salem, improving your credit to "Fair" corresponds with a $632 decrease in six-month car insurance rates. Our data tells us 36% of drivers in Salem have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,562 |
| Fair | $930 |
| Good | $775 |
| Very Good | $704 |
| Exceptional | $636 |
Salem car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Salem drivers found guilty of reckless driving face insurance rate increases of $769 per year, compared to the citywide average. A DUI violation may lead to a $606 increase, while a citation for speeding leads to a $359 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,078 |
| Reckless Driving | $1,159 |
| At-fault Accident (damages less than $1,000) | $1,105 |
| At-fault Accident (damages > $2,000) | $1,173 |
| Speeding Ticket (16-20 mph over speed limit) | $954 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.