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Cheap Auto Insurance Quotes in Salem, OR (January 2022)

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Last Updated: January 2022

Car Insurance in Salem, OR

The average cost of Oregon car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Salem, OR to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Salem, OR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Salem, OR Driving Facts


Minimum Car Insurance Requirements in OR

All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.

  • $20,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance. 

  • $15,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.

Find local Salem agents

AOL Services Inc 
P O Box 12339, Salem, OR 97309-0339
R Bauer Ins Inc 
2735 Liberty St NE, Salem, OR 97301
BH Insurance, LLC 
PO Box 270, Salem, OR 97301
Salem Insurance Agency, Inc. 
P.O. Box 888, Salem, OR 97308
Cammack-Renaud Ins Service, Inc. 
1730 Misty Place NW, Salem, OR 97302
A.G. Sadowski Company 
1605 Liberty St S E, Salem, OR 97302-4347
Maps Insurance Services, LLC 
P.O. Box 12398, Salem, OR 97309
LeDoux Insurance Agency, Inc.
1202 Hawthorne Ave NE, Salem, OR 97301
Freeway Insurance
3405 Commercial St SE Ste 160, Salem, OR 97302
Huggins Insurance Services Inc
235 Front St SE #100, Salem, OR 97301

Insurify Insights: How Salem Drivers Measure Up

Honda Civic
Most Popular Car in
Salem, OR
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Salem drivers measure up to their fellow Oregon motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Salem

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Salem drivers rank 4 in the number of car accidents per driver across all cities in Oregon.

  • Rank within state: #4
  • Percent of drivers in Salem with an accident: 13.01%
  • Drivers in Salem, OR with an accident in their driving history paid on average 36.9% more than drivers with a clean record

Speeding in Salem

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oregon, Salem drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Salem with a speeding ticket: 12.51%
  • Drivers in Salem, OR with a speeding ticket in their driving history paid on average 36.9% more than drivers with a clean record

DUI/DWIs in Salem

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Salem drivers rank 10 in the number of DUI’s per driver across all cities in Oregon.

  • Rank within state: #10
  • Percent of drivers in Salem with a DUI: 2.23%
  • Drivers in Salem, OR with a DUI in their driving history paid on average 13.1% more than drivers with a clean record

Most Popular Vehicle in Salem

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Salem is the Honda Civic.

Rude Drivers in Salem

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oregon, Salem drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Salem with a reckless driving violation: 4.78%
  • Drivers in Salem, OR with a reckless driving violation in their driving history paid on average 42.86% more than drivers with a clean record.

Safest Drivers in Salem

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Salem drivers rank 9 in clean driving records across all cities in Oregon.

  • Rank within state: #9
  • Percent of drivers in Salem with clean record: 74.89%

Failure to Yield the Right of Way in Salem

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Salem drivers rank 2 in failure to yield violations per driver across all cities in Oregon.

  • Rank within state: #2
  • Percent of drivers in Salem with a failure to yield violation: 0.68%
  • Drivers in Salem, OR with a failure to yield violation in their driving history paid on average 1300% more than drivers with a clean record

Reckless Drivers in Salem

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oregon, Salem drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Salem with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership in Salem

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Salem drivers rank 16 in hybrid and electric vehicle ownership across all cities in Oregon.

  • Rank within state: #16
  • Percent of drivers in Salem with a hybrid/electric vehicle: 0.45%
Most Patriotic City

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Grants Pass won Insurify's Most Patriotic Cities Award for the state of Oregon. Interestingly, the city was named for General Ulysses S. Grant’s 1863 victory at Vicksburg, Mississippi, during the Civil War.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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