Cheapest Auto Insurance in Salem, Oregon (2026)

Salem drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $63 per month.

Secure. Free. Easy-to-use.
4.7 / 514K reviews
Progressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General LogoBristol West Logo120+ more

Cheapest recent rates near Salem, Oregon

Drivers in and around Salem, Oregon have found policies from National General, Direct Auto, Liberty Mutual, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Daria Kelly Uhlig
Written byDaria Kelly Uhlig
Daria Kelly Uhlig
Daria Kelly UhligHome Insurance Writer, Realtor

  • Licensed Realtor with 10+ years in personal finance content

  • Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

Featured in

media logomedia logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny SmithInsurance Writer

  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
John Leach
Reviewed byJohn Leach
Photo of an Insurify author
John LeachLicensed P&C Agent, Chief Copy Editor

  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

Featured in

media logo

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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.

Quick Facts

  • State Farm, Mile Auto, and Sun Coast are the cheapest car insurance companies for Salem drivers.

  • Oregon is an at-fault state, so the driver who caused the accident is liable for damages.

  • Insurers in Oregon can use a credit-based insurance score when determining your car insurance rate.

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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
Safeco9.3$114$82Affordability
Mile Auto8.8$76$61Infrequent drivers
Liberty Mutual8.4$171$127Flexible 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.

  • 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

Safeco logoaffordability
User Reviews
4.3
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
4.3
Best choiceBased on 1,057 verified driver reviews and ratings
Safeco's score
Industry average
Coverage options4.13.2
Customer service4.13.6
Discounts4.02.9
Policy transparency4.13.1
Value3.82.9
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 For
Cash back for being claims free
Optional coverages
Diminishing deductible
Showing recent national reviewsSee 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.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607
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

Mile Auto logoInfrequent Drivers
User Reviews
4.5
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
4.5
Best choiceBased on 202 verified driver reviews and ratings
Mile Auto's score
Industry average
Coverage options4.13.2
Customer service3.43.6
Discounts4.02.9
Policy transparency4.03.1
Value4.12.9
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 For
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing 3 Oregon reviews for Salem driversSee all 68 Mile Auto reviews
Martin
Verified Purchase
Excellent
Reviewed in Oregon on November 9, 2025
So far, so good. I’ve only been with the company for less than three months.
Sandra
Verified Review
Mile Auto is great, but they need to inform you of the upfront fee, that is every six months.
Reviewed in Oregon on October 11, 2025
Good experience in the beginning. However, when the new policy for the next 6 months started, they didn't inform me that there would be a $129.00 upfront fee, in addition to my monthly payment. I initially thought my policy fee had increased.
Betty
Verified Purchase
Loving it with bumps...
Reviewed in Oregon on June 11, 2025
I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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

Liberty Mutual logoflexible coverage
User Reviews
3.4
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
3.4
A solid optionBased on 3,955 verified driver reviews and ratings
Liberty Mutual's score
Industry average
Coverage options3.63.2
Customer service3.53.6
Discounts3.32.9
Policy transparency3.43.1
Value3.02.9
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 For
Numerous discounts
New and financed vehicles
Accident forgiveness
Showing recent national reviewsSee all 1,929 Liberty Mutual reviews
Jacqueline
Verified Review
Well worth the money
Reviewed in Virginia on May 14, 2026
Very reasonable.
Peter
Verified Review
Changing payment method took 20 mins to figure out
Reviewed in New Jersey on May 13, 2026
The app and web page could use some work. Options included date and amount only.
Roy
Verified Review
Car insurance is fine, but the formula they use to determine the individual cost is bad. I am 82 with no tickets, accidents, or violations of any kind since I started driving at the age of 15. This can be verified. The insurance since 2020 has increased each year, with the current renewal cost of $2,100 and some change for 12 months of full coverage on a 2025 Toyota Tacoma SR 2WD. Obviously, I secured a new insurance company. Thank you for the opportunity to submit this information.
Reviewed in Mississippi on May 11, 2026
Car insurance is fine, but the formula they use to determine the individual cost is bad. I am 82 with no tickets, accidents, or violations of any kind since I started driving at the age of 15. This can be verified. The insurance since 2020 has increased each year, with the current renewal cost of $2,100 and some change for 12 months of full coverage on a 2025 Toyota Tacoma SR 2WD. Obviously, I secured a new insurance company. Thank you for the opportunity to submit this information.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
571
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

Find Cheap Car Insurance in Salem, Oregon

Rates start at $63 per month for liability coverage

Excellent
4.7 out of 5 based on 14,432 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$63
Mile Auto$71
Sun Coast$74
USAA$74
GEICO$79
National General$81
Progressive$88
Bristol West$92
Country Financial$94
Safeco$94
The General$94
Dairyland$100
American Family$107
Direct Auto$110
Nationwide$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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
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
Allstate$213
Dairyland$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.

Recent Insurify quotes for Salem, Oregon drivers

Recent Salem, Oregon car insurance prices for Honda, Toyota, Chevrolet, and more.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 18, 2026. Actual quotes 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

    illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

    illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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

Excellent
4.7 out of 5 based on 14,432 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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 $146 per month for liability coverage and $246 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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$63$83
Mile Auto$71$90
USAA$74$99
Sun Coast$74$100
National General$81$105
GEICO$79$107
Progressive$88$119
Bristol West$92$121
Safeco$94$128
Dairyland$100$130
The General$94$131
Country Financial$94$132
Direct Auto$110$144
American Family$107$144
Nationwide$110$148
Root$114$158
Allstate$123$166
Farmers$145$193
Liberty Mutual$146$193
GAINSCO$183$228
Travelers$179$241
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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$63$85
Mile Auto$71$97
Sun Coast$74$100
USAA$74$101
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$146
Nationwide$110$150
Direct Auto$110$152
Root$114$155
Allstate$123$167
Farmers$145$196
Liberty Mutual$146$196
GAINSCO$183$238
Travelers$179$245
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 $139 for liability-only insurance and $234 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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$63$86
Sun Coast$74$95
Mile Auto$71$97
USAA$74$101
GEICO$79$107
National General$81$110
Progressive$88$113
The General$94$124
Country Financial$94$125
Bristol West$92$125
Safeco$94$136
Dairyland$100$136
American Family$107$139
Direct Auto$110$150
Nationwide$110$150
Root$114$157
Allstate$123$168
Farmers$145$198
Liberty Mutual$146$199
Travelers$179$244
GAINSCO$183$250
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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$49$85
Mile Auto$55$67
USAA$60$104
GEICO$62$109
Sun Coast$63$151
National General$63$117
Country Financial$74$127
Progressive$75$138
Bristol West$76$139
The General$80$185
Safeco$82$113
Nationwide$84$147
Dairyland$84$180
American Family$85$148
Direct Auto$90$160
Root$95$136
Allstate$99$172
Farmers$114$199
Liberty Mutual$121$161
Travelers$142$247
GAINSCO$155$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 $277 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: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$125$217
USAA$140$245
Sun Coast$141$338
GEICO$146$256
Mile Auto$150$181
Country Financial$156$269
National General$166$307
Bristol West$168$306
Progressive$168$309
The General$173$402
Dairyland$179$381
Safeco$195$270
Root$203$293
American Family$208$361
Direct Auto$219$390
Nationwide$220$386
Allstate$249$432
Liberty Mutual$263$351
Farmers$297$518
GAINSCO$335$568
Travelers$382$663
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.

Compare Car Insurance Rates in Salem

Insurify partners with 120+ top insurers to show the most real-time quotes

Excellent
4.7 out of 5 based on 14,432 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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:

Rates by Credit Tier

Category
Price
Excellent$161
Good$190
Fair$209
Poor$324

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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
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

Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Salem.

  • How much is car insurance in Salem?

    On average, car insurance in Salem costs $182 per month for full coverage and $108 for liability-only insurance. Your unique premium will depend on factors like your location, driving record, age, gender, and credit score.

  • Which company has the cheapest car insurance in Salem?

    State Farm offers the cheapest car insurance rates in Salem, starting at $63 for liability-only coverage. Salem drivers can also find cheap rates from Mile Auto and Sun Coast, which have liability rates as low as $71 and $74, respectively.

  • What are the best car insurance companies in Salem?

    Many reliable insurers offer coverage in Salem, but State Farm, Mile Auto, and USAA are the best car insurance companies. State Farm and USAA have Insurify Quality Scores above 4.0 (out of 5.0) and strong ratings from AM Best and J.D. Power. Mile Auto is the best option for infrequent drivers in Salem, offering pay-per-mile insurance.

  • How much is car insurance per month in Oregon?

    Car insurance in Oregon costs an average of $91 per month for car insurance. Drivers can expect to pay $64 for liability coverage and $117 for full coverage.

  • Is car insurance higher in Oregon?

    Car insurance in Oregon is slightly higher than the national average, but it’s not the most expensive state for car insurance. Part of the reason Oregon’s insurance rates are expensive is because of its extensive minimum car insurance requirements.

Sources

  1. Oregon Secretary of State. "Salem: Oregon's Capital."
  2. Neighborhood Scout. "Salem, OR."
  3. Oregon Department of Transportation. "Minimum Insurance Requirements."
  4. OregonLaws. "ORS 746.661 Use of credit history or insurance score."

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Car Insurance for High-Risk Drivers in Oregon (2026)

Car Insurance for High-Risk Drivers in Oregon

High-risk drivers in Oregon pay more for car insurance than people with clean driving records, but you can take steps to lower your insurance rates.
Best Car Insurance in Oregon (2026)

Best Car Insurance in Oregon

Root, Dairyland, and Liberty Mutual are three of the best car insurance companies in Oregon.
Temporary Car Insurance in Oregon: What You Need to Know (2026)

Temporary Car Insurance in Oregon: What You Need to Know

A normal car insurance policy in Oregon lasts for six months. State Farm provides the cheapest six-month policies in Oregon.
Car Insurance Requirements in Oregon (2026)

Car Insurance Requirements in Oregon

Oregon state law requires drivers to maintain minimum-coverage limits for bodily injury liability, property damage liability, uninsured motorist, and personal injury protection (PIP) coverage.
Average Cost of Car Insurance in Oregon (2026)

Average Cost of Car Insurance in Oregon

Drivers in Oregon pay an average monthly rate of $125 for car insurance.
Cheap SR-22 Insurance in Oregon from $67

Cheap SR-22 Insurance in Oregon from $67

State Farm offers the cheapest rates for SR-22 holders in Oregon, at $67 per month.
Cheapest Car Insurance Quotes in Oregon

Cheapest Car Insurance Quotes in Oregon

State Farm offers the cheapest liability rates in Oregon, at $55 per month. Shop real-time quotes for Oregon and buy your policy all in one place with Insurify.
The 10 Largest Auto Insurance Companies in the U.S.

The 10 Largest Auto Insurance Companies in the U.S.

Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
Cheapest Auto Insurance in Eugene, Oregon (2026)

Cheapest Auto Insurance in Eugene, Oregon

State Farm offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $50 per month.
Cheapest Auto Insurance in Corvallis, Oregon (2026)

Cheapest Auto Insurance in Corvallis, Oregon

State Farm has the cheapest liability-only rates in Corvallis, with a rate of $42 per month.
Best Cheap Auto Insurance in Springfield, Oregon (2026)

Best Cheap Auto Insurance in Springfield, Oregon

State Farm, Mile Auto, and Sun Coast offer the cheapest car insurance rates in Springfield.
Cheapest Auto Insurance in Grants Pass, Oregon (2026)

Cheapest Auto Insurance in Grants Pass, Oregon

State Farm is the cheapest car insurance company in Grants Pass, with monthly liability-only rates of $44.
Cheapest Auto Insurance in Medford, Oregon (2026)

Cheapest Auto Insurance in Medford, Oregon

State Farm offers the cheapest car insurance in Medford, starting at $45 per month.
Cheapest Auto Insurance in Beaverton, Oregon (2026)

Cheapest Auto Insurance in Beaverton, Oregon

Drivers in Beaverton can find the cheapest insurance from State Farm, with liability-only rates starting at $63 per month.
Cheapest Car Insurance Quotes in The Dalles, Oregon (May 2026)

Cheapest Car Insurance Quotes in The Dalles, Oregon (May 2026)

State Farm offers the lowest average minimum-coverage insurance rates in The Dalles, at $53 per month. Drivers in The Dalles share I-84 with freight traffic moving through the Columbia River Gorge, where high winds and changing weather can affect insurance rates.
Cheap Car Insurance Quotes in Portland (May 2026)

Cheap Car Insurance Quotes in Portland (May 2026)

State Farm has the cheapest liability insurance in Portland, Oregon, averaging $71 per month. The city’s vehicle theft rate and high population density affect car insurance rates.
Daria Kelly Uhlig
Written byDaria Kelly UhligHome Insurance Writer, Realtor
Daria Kelly Uhlig
Daria Kelly UhligHome Insurance Writer, Realtor

  • Licensed Realtor with 10+ years in personal finance content

  • Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

Featured in

media logomedia logomedia logomedia logo

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

linkedin
Danny Smith
Edited byDanny SmithInsurance Writer
Photo of an Insurify author
Danny SmithInsurance Writer

  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
John Leach
Reviewed byJohn LeachLicensed P&C Agent, Chief Copy Editor
Photo of an Insurify author
John LeachLicensed P&C Agent, Chief Copy Editor

  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

Featured in

media logo

Compare Car Insurance Quotes Instantly

Excellent
4.7 out of 5 based on 14,432 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate