Cheapest Auto Insurance in Salem, Oregon (2024)

Drivers in Salem can expect to pay an average of $184 per month for full-coverage car insurance and $118 for liability-only coverage. The city’s rates are higher than Oregon’s average of $131 and slightly higher than the national average of $153 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.

Best insurer for affordability: Safeco

affordability

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User Reviews	4.5 427 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.	8.3 /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.	$107/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.	$162/mo

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Driver Reviews

4.5

Best choiceBased on 765 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (427)

William

December 16, 2024

Verified Review

Fair

The policy rate increased at the beginning of the coverage.

Scott

December 15, 2024

Verified Review

Retired senior facing affordability issues

My rate has increased by 60% in 2 years despite having no accidents. Just like with Netflix, I'm considering leaving due to this.

Elliot

December 9, 2024

Verified Review

Current Insurance

Even though our vehicles are aging and we haven't had any claims, our insurance costs keep rising.

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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.

825

NAIC Index

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

1.08

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	4.1 32 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.	7.5 /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.	$68/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.	$83/mo

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Driver Reviews

4.1

Best choiceBased on 61 verified guest reviews and ratings

Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.

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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.

NR

NAIC Index

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

NR

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	3.6 1,585 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.	7.7 /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.	$143/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.	$218/mo

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Driver Reviews

3.6

A solid optionBased on 2,714 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,585)

Searle

December 19, 2024

Verified Review

Fair

They don't give you any discounts.

Kenneth

December 19, 2024

Verified Review

Steer Clear of This Greedy Insurer

Steer clear of this company. They continue to raise rates regardless of how safe a driver you are.

Jerry

December 18, 2024

Verified Review

Good but Costly

Be prepared for your policy payments to jump to almost a car payment!

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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.

819

NAIC Index

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

3.95

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 $68 per month for liability coverage

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Based on 3,806+ reviews

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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: Mile Auto

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 Mile Auto, with an average cost of $68 per month.

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

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 $83 per month.

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

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]

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 $84 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 $172 per month for liability coverage and $268 for full-coverage auto insurance. 

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

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

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 $222 per month for car insurance.

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

Cheapest car insurance for drivers with a DUI: Mile Auto

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 $197 for liability-only insurance and $307 for full coverage.

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

Cheapest car insurance for seniors: Mile Auto

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 $138 for a full-coverage policy each month and $89 per month for liability-only coverage.

Here are the average monthly rates for seniors in Salem.

Cheapest car insurance for teens: Mile Auto

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 $296 per month for car insurance.

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

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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 $151 for car insurance. This is higher than the state average of $131 and the national average of $153.

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.

Salem car insurance FAQs