Cheapest Auto Insurance in Salem, Oregon (2026)

Drivers in Salem can expect to pay an average of $182 per month for full-coverage car insurance and $108 for liability-only coverage. The city’s rates are higher than Oregon’s average of $125 and slightly higher than the national average of $142 per month.

The capital of Oregon, Salem is the state’s second-largest city, with a population of around 177,000.^[1] It also has a comparatively high crime rate, which could contribute to its higher-than-average car insurance rates.^[2] However, rates vary based on your driving record, age, ZIP code, and other factors, so it’s important to compare car insurance quotes from multiple insurers before buying.

Cheapest car insurance companies in Salem

The cheapest car insurance for one driver may not necessarily be the cheapest option for you — insurance companies weigh driving factors differently. That’s why it’s important to get quotes from a few companies to make sure they’re not just the cheapest overall but the cheapest for your specific needs.

Here’s a breakdown of some of the best car insurance companies in Salem, Oregon.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Safeco	9.3	$112	$81	Affordability
Mile Auto	8.8	$74	$60	Infrequent drivers
Liberty Mutual	8.4	$168	$126	Flexible coverage options

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Safeco

affordability

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User Reviews	4.3 1,050 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$94/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$130/mo

Details

Driver Reviews

4.3

Best choice in Salem, ORBased on 1,050 verified driver reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Cash back for being claims free

Optional coverages

Diminishing deductible

Showing recent national reviews - See all 539 Safeco reviews

Donald

Verified Review

Bring your prices down

Reviewed in Oklahoma on April 24, 2026

They charge too much money for the old stuff that I have, nothing higher than a 2006 or 2013 for my Jeep. They told me what a good customer I was. I made a mistake on the dates and paid it all in full on the 22nd when I thought that's when it was due, but I paid it on the 21st. I didn't think I was late, but they charged me a late fee. It was due on the 15th, and I missed that email. They did not care, well neither do I. So, just as soon as I find something cheaper, I'm going. I already dropped it down to just the bare minimum. Y'all lost a good customer.

Bryan

Verified Review

Not Happy

Reviewed in Utah on April 19, 2026

Premiums started low, but it seems like with every renewal they increase again and again. I would think that the longer I am a customer, they would go in the other direction.

Alysia

Verified Review

Older Car, More Expensive

Reviewed in Alabama on March 23, 2026

My car got older, and the insurance increased over the last 3 years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco offers some of the cheapest car insurance rates in Eugene and scored above average in customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. It offers numerous coverage options, including collision, comprehensive, and medical payments. Safeco also provides multiple discounts, including good driving and vehicle safety discounts.

Pros

• Affordable premiums

• Various discounts for young adults

Cons

• Discounts and coverage options not available in every state

• Gap insurance not available

Best insurer for infrequent drivers: Mile Auto

Infrequent Drivers

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User Reviews	4.5 200 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$86/mo

Details

Driver Reviews

4.5

Best choice in Salem, ORBased on 200 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 67 Mile Auto reviews

Maureen

Verified Purchase

Low mileage savings made easy

Reviewed in Georgia on April 16, 2026

This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

With a pay-per-mile structure, Mile Auto can help people who drive fewer than 10,000 miles a year save on insurance. Auto Mile’s website states it can help low-mileage drivers save 30% to 40% off their current rates.

Pros

• Cheap rates for low-mileage drivers

• No telematics-based tracking device required

Cons

• Available in only 11 states

• Limited coverage options

Best insurer for flexible coverage options: Liberty Mutual

flexible coverage

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User Reviews	3.4 3,882 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$146/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$195/mo

Details

Driver Reviews

3.4

A solid option in Salem, ORBased on 3,882 verified driver reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

Based on analysis of verified reviews collected by Insurify

Best in Salem for

Numerous discounts

New and financed vehicles

Accident forgiveness

Showing recent national reviews - See all 1,923 Liberty Mutual reviews

William

Verified Review

Upcharge

Reviewed in Missouri on April 27, 2026

They tried to charge me over $400 for a truck. I switched to a company that is covering the same truck for $120.

Eunice

Verified Review

Liberty Mutual is too expensive. I've been looking around for another insurance and saw a lot of cheaper ones. I will be choosing another insurance that is cheaper.

Reviewed in Georgia on April 27, 2026

Liberty Mutual is too expensive. I've been looking around for another insurance and saw a lot of cheaper ones. I will be choosing another insurance that is cheaper.

Kenneth

Verified Review

Ok but not great

Reviewed in Oklahoma on April 27, 2026

Service was fine, but I prefer to talk to a person, not a system. The policy premium may not be as competitive as others.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

612

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.

Pros

• Wide range of available discounts

• Accident forgiveness available

• Available in all 50 states and D.C.

Cons

• Many negative reviews and customer complaints

• Premiums are relatively high compared to industry average

• Low customer satisfaction scores from J.D. Power

Find Cheap Car Insurance in Salem, Oregon

Rates start at $63 per month for liability coverage

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How to get the cheapest car insurance in Salem

Car insurance companies consider a variety of factors when determining your premiums, like your age, driving record, vehicle type, ZIP code, and even your credit score. Each company weighs these factors differently, so you’ll get varying rates across the board.

Here are some tips to help you find cheap car insurance rates in Salem:

• Shop around. You may be surprised how much rates can vary between insurers. It’s a good idea to shop around and get quotes from multiple insurers so you know you’re getting the best deal for your needs.

• Increase your deductible. A deductible is an amount you must pay before your insurer starts paying a covered claim. Raising your deductible may lower your insurance bill but increase your out-of-pocket costs in the event of an accident.

• Improve your credit score. Insurers in Oregon can consider your credit score when setting rates and may perceive people with lower credit scores as riskier and adjust rates accordingly. Improving your credit score may lower your insurance costs.

• Ask about discounts. Insurance companies usually offer several discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

• Bundle your home and auto insurance. Many insurers offer discounts if you bundle your auto insurance with homeowners, renters, or even life insurance.

Cheapest liability-only car insurance in Salem: State Farm

Liability-only car insurance helps cover the expenses of the other driver if you cause an accident, such as medical expenses and the cost to repair or replace their vehicle. However, it won’t cover your own vehicle damages and medical bills.

The cheapest insurer for liability-only car insurance in Salem is State Farm, with an average cost of $63 per month.

Here are some of the average rates for liability-only car insurance from top insurers in Salem:

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$63
Mile Auto	$71
Sun Coast	$74
USAA	$74
GEICO	$79
National General	$81
Progressive	$88
Bristol West	$92
Country Financial	$94
The General	$94
Safeco	$94
Dairyland	$100
American Family	$107
Nationwide	$110
Direct Auto	$110
Root	$114
Allstate	$123
Farmers	$145
Liberty Mutual	$146
Travelers	$179
GAINSCO	$183

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Salem: Mile Auto

While liability insurance covers injuries and damage to other people, full-coverage auto insurance protects you and your property. Full coverage is worth considering if you want to avoid paying medical bills and repair costs out of pocket.

The cheapest insurer for full-coverage car insurance in Salem is Mile Auto, with an average cost of $86 per month.

Below are the average rates for full-coverage car insurance policies in Salem.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$86
State Farm	$109
USAA	$129
Safeco	$130
GEICO	$138
National General	$150
Country Financial	$162
Progressive	$162
Root	$164
Bristol West	$168
Sun Coast	$177
American Family	$186
Nationwide	$193
Liberty Mutual	$195
Direct Auto	$196
Dairyland	$213
Allstate	$213
The General	$218
Farmers	$253
GAINSCO	$310
Travelers	$311

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Oregon

Like in most states, Oregon drivers must carry liability insurance. Keep in mind these are only minimums, and you should consider more coverage to minimize the possibility of out-of-pocket expenses after an accident.

Below are the minimum insurance coverage requirements in Oregon.^[3]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$20,000 per accident
Personal injury protection	$15,000 per person
Uninsured motorist coverage	$25,000 per person / $50,000 per accident

In addition to the state’s minimum coverage, consider the following optional coverage options for broader protection on the road:

• 

  Collision coverage

  Collision insurance helps cover your repair bills if you’re involved in an accident with another vehicle or object, such as a pole or fence.

• 

  Comprehensive coverage

  Comprehensive coverage helps pay for non-accident-related damage, such as weather, theft, and vandalism.

• 

  Gap coverage

  Cars start depreciating in value as soon as you drive them off the lot. Gap insurance helps cover the gap between the depreciated value of your vehicle and the amount left on your loan or lease if your car is stolen or totaled.

• 

  Rental car reimbursement coverage

  Rental car reimbursement helps pay for alternative transportation, such as rental cars or train and bus tickets, while your car is in the shop.

Cheapest car insurance for drivers with an incident

Incidents occur on the road all the time. Incidents almost always increase your insurance premium, whether it’s an at-fault accident, speeding ticket, DUI, or other moving violation. Insurance companies consider your driving record when determining your rates, and while multiple violations can affect your rates, you can still find affordable insurance.

Below, we’ll cover what you can expect to pay for insurance after different types of incidents.

Shop for Car Insurance in Salem, OR

Rates start at $78 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurers see speeding as unsafe driving behavior, which is why drivers with speeding tickets on their records often pay more for insurance. The effect on your premium will vary by insurer and the severity of the ticket.

In addition to an insurance hike, you’ll likely also pay fines. Oregon speeding ticket costs depend on where you’re driving and how many miles above the speed limit you’re going. Speeding in school zones or work zones may result in higher fees.

On average, Salem drivers with speeding tickets pay $147 per month for liability coverage and $248 for full-coverage auto insurance. 

Here are some of the average monthly rates for drivers with a speeding ticket in Salem.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$63	$83
Mile Auto	$71	$90
Sun Coast	$74	$101
USAA	$74	$100
GEICO	$79	$108
National General	$81	$105
Progressive	$88	$120
Bristol West	$92	$121
Country Financial	$94	$133
The General	$94	$131
Safeco	$94	$129
Dairyland	$100	$130
American Family	$107	$145
Nationwide	$110	$149
Direct Auto	$110	$144
Root	$114	$158
Allstate	$123	$167
Farmers	$145	$194
Liberty Mutual	$146	$194
Travelers	$179	$242
GAINSCO	$183	$229

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Having an at-fault accident on your record will often result in your insurer increasing your insurance rates since insurers consider drivers who have caused an accident to be at higher risk than drivers with clean records. However, the effects on your rate should diminish with time by practicing safe driving habits.

Salem drivers with at-fault accidents on their motor vehicle records pay an overall average of $196 per month for car insurance.

Here are the average car insurance rates for Salem drivers with an at-fault accident on their record.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$63	$84
Mile Auto	$71	$97
Sun Coast	$74	$100
USAA	$74	$100
GEICO	$79	$105
National General	$81	$109
Progressive	$88	$119
Bristol West	$92	$123
Country Financial	$94	$130
The General	$94	$131
Safeco	$94	$132
Dairyland	$100	$134
American Family	$107	$145
Nationwide	$110	$150
Direct Auto	$110	$152
Root	$114	$155
Allstate	$123	$167
Farmers	$145	$196
Liberty Mutual	$146	$196
Travelers	$179	$244
GAINSCO	$183	$237

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Like anywhere else, driving under the influence in Oregon is a serious offense and can result in fees, license suspension, and even jail time. Aside from that, you’ll likely also see a bump in your insurance costs after a DUI, as insurers perceive you as a riskier investment and adjust rates accordingly.

In Salem, the average rates for drivers with DUIs are $137 for liability-only insurance and $230 for full coverage.

Here are the average car insurance rates for Salem drivers with a DUI on their record.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$63	$85
Mile Auto	$71	$96
Sun Coast	$74	$94
USAA	$74	$100
GEICO	$79	$106
National General	$81	$109
Progressive	$88	$111
Bristol West	$92	$124
Country Financial	$94	$124
The General	$94	$123
Safeco	$94	$135
Dairyland	$100	$135
American Family	$107	$145
Nationwide	$110	$149
Direct Auto	$110	$149
Root	$114	$156
Allstate	$123	$166
Farmers	$145	$196
Liberty Mutual	$146	$197
Travelers	$179	$242
GAINSCO	$183	$247

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Age is one of the factors insurers consider when setting rates. The youngest and oldest drivers tend to pay the most for insurance. Rates decrease around age 35 but increase at around age 70. This could be due to an increased risk of injury from an accident, which can lead to higher claims.

On average, senior drivers in Salem pay $155 for a full-coverage policy each month and $92 per month for liability-only coverage.

Here are the average monthly rates for seniors in Salem.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$49	$85
Mile Auto	$56	$67
USAA	$60	$104
GEICO	$62	$109
National General	$63	$117
Sun Coast	$63	$151
Country Financial	$74	$128
Progressive	$75	$138
Bristol West	$76	$139
The General	$80	$185
Safeco	$82	$113
Dairyland	$84	$180
Nationwide	$84	$147
American Family	$85	$148
Direct Auto	$89	$159
Root	$95	$136
Allstate	$99	$172
Farmers	$114	$199
Liberty Mutual	$121	$161
Travelers	$142	$247
GAINSCO	$156	$263

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Due to their lack of driving experience and high accident rates, teen drivers can expect to pay higher than average premiums. However, teens have ways to lower costs, such as good student discounts, driving a safe vehicle, and staying on a parent’s insurance policy.

Teen drivers in Salem pay an overall average of $279 per month for car insurance.

Here are some of the average monthly auto insurance rates for teen drivers in Salem.

The below rates in Salem, OR, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$126	$218
USAA	$141	$246
Sun Coast	$142	$340
GEICO	$147	$257
Mile Auto	$150	$182
Country Financial	$157	$270
National General	$166	$308
Bristol West	$168	$307
Progressive	$169	$311
The General	$174	$403
Dairyland	$179	$382
Safeco	$196	$271
Root	$204	$294
American Family	$209	$363
Direct Auto	$220	$391
Nationwide	$221	$387
Allstate	$250	$433
Liberty Mutual	$264	$352
Farmers	$298	$520
GAINSCO	$338	$572
Travelers	$383	$665

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

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Salem car insurance quotes by credit tier

Oregon allows car insurance companies to consider credit scores when setting rates.^[4] Generally, drivers with good credit scores can expect to pay less for car insurance, while people with bad credit scores may pay higher premiums.

Here are the average monthly quotes for each of the following credit tiers:

Is car insurance more expensive in Salem?

Yes. Auto insurance is generally more expensive for Salem drivers than in many other parts of the U.S.

On average, Salem drivers pay $145 for car insurance. This is higher than the state average of $125 and the national average of $142.

More cities in Oregon

Car insurance rates vary by city and even ZIP code. Insurers consider factors like population density, crime rate, and weather when determining your premiums.

Here’s how other Oregon cities compare to Salem in terms of car insurance prices.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Beaverton	$115	$177
Corvallis	$75	$119
Eugene	$82	$147
Grants Pass	$69	$136
McMinnville	$96	$162
Medford	$73	$135
Portland	$124	$204
Redmond	$76	$138
Springfield	$78	$141

Disclaimer: Table data sourced from real-time Salem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Salem may vary based on the policy buyer's unique driver profile.

Salem car insurance FAQs