GEICO offers Salem's most affordable car insurance with annual rates of $613 for minimum coverage and $1,224 for full coverage. Other budget-friendly insurers in the city include Travelers, Progressive and COUNTRY Financial.
Car Insurance in Salem
Updated: August 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
Salem's cheapest car insurance companies are GEICO, Travelers and Progressive, with savings up to 26% compared to the city average.
Monthly car insurance costs in Salem average $131 for full coverage and $68 for minimum coverage.
You'll find the best cheap auto insurance in Salem by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Salem?
| GEICO | $51 | $102 | -25% |
| Progressive | $57 | $99 | -24% |
| Travelers | $60 | $96 | -24% |
| COUNTRY Financial | $56 | $104 | -22% |
| State Farm | $53 | $112 | -20% |
Cheapest Salem Car Insurance by Category
COUNTRY Financial offers the cheapest rates in four Salem driver categories, including young drivers and those with bad credit. State Farm wins for high-risk drivers, while GEICO leads for adult and senior drivers.
| Young Drivers | COUNTRY Financial | $79 |
| Adult Drivers | GEICO | $51 |
| Senior Drivers | GEICO | $57 |
| Drivers With an Accident | State Farm | $67 |
| Drivers With a DUI | State Farm | $56 |
| Drivers With a Speeding Ticket | State Farm | $56 |
| Drivers With Bad Credit | COUNTRY Financial | $70 |
| Drivers With Newer Cars | COUNTRY Financial | $53 |
| Drivers With Old Cars | COUNTRY Financial | $34 |
Compare the Cheapest Salem Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find insurers offering the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $60 | $715 | -15% |
| Geico | $51 | $613 | -27% |
| State Farm | $53 | $631 | -25% |
| Country Financial | $56 | $673 | -20% |
| Progressive | $57 | $683 | -19% |
Best Car Insurance Companies in Salem
In Salem, the leading car insurance companies are Progressive, Travelers, GEICO and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 98 | 3 | 2 | 2 |
| Travelers | 98 | 2 | 1 | 4 |
| GEICO | 93 | 1 | 4 | 6 |
| State Farm | 93 | 5 | 3 | 6 |
| Allstate | 90 | 7 | 6 | 3 |
Progressive: Best Overall Value
pros
Strong customer service ratings
Excellent coverage options
Competitive local rates
cons
Slightly higher minimum coverage rates
COMPANY HIGHLIGHTS
Progressive ranks first in Salem for its well-rounded insurance offerings. The company provides full coverage at $99 monthly and minimum coverage at $57 monthly. Progressive stands out with high scores across affordability, customer experience, and coverage options. Customers benefit from responsive claims service and a wide selection of policy add-ons.
Travelers: Best Customer Service
pros
Top-rated customer experience
Competitive full coverage rates
Strong affordability scores
cons
Limited coverage options
COMPANY HIGHLIGHTS
Travelers earns second place in Salem thanks to outstanding customer service. The company offers full coverage at $96 monthly and minimum coverage at $60 monthly. Travelers received perfect customer experience ratings, showing their commitment to policyholder satisfaction. While coverage options are more limited, their competitive rates and excellent service make them a strong choice for Salem drivers.
How Much Is Car Insurance in Salem?
In Salem, minimum coverage costs about $68 per month or $819 per year, ranking 367th out of all Oregon cities for affordability. Full coverage averages $131 monthly or $1,575 annually, ranking 360th among Oregon cities.
| Full Coverage | $131 | $1,575 |
| Minimum Coverage | $68 | $819 |
Salem Car Insurance Cost by Category
In Salem, monthly car insurance rates range from $68 to $298 based on your driver profile. Check the table below for your category's rates.
| Young Drivers | $158 | $298 |
| Adult Drivers | $68 | $131 |
| Senior Drivers | $90 | $162 |
| Drivers With an Accident | $101 | $195 |
| Drivers With a DUI | $133 | $256 |
| Drivers With a Speeding Ticket | $89 | $171 |
| Drivers With Bad Credit | $129 | $289 |
| Drivers With Newer Cars | $87 | $168 |
| Drivers With Old Cars | $73 | $140 |
Salem Car Insurance Costs by ZIP Code
In Salem, car insurance rates by ZIP code range from $57 to $153 per month. ZIP code 97305 is the most expensive, while 97302 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:Results filtered by:
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ZIP Code:97305
| 97305 | $90 | $153 |
Compare Personalized Salem Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use the table below to find average Salem car insurance rates based on your age and driving record combination.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $76 | $911 | 31% |
How to Get the Best Cheap Salem Car Insurance
Finding affordable car insurance in Salem can be challenging with Oregon's higher-than-average rates and complex coverage requirements. Our step-by-step guide shows you how to lower your costs while getting the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation in Salem. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation. This creates a solid foundation for comparing policies and ensures you don't overpay for unnecessary coverage.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? A non-owner policy could be your best bet. These alternatives often provide significant savings while maintaining necessary protection.
- 3
Know the average costs
Understanding average vehicle insurance costs in Salem helps you spot good deals. Compare rates across different companies and coverage levels. This knowledge gives you bargaining power and helps you recognize when quotes are too high or surprisingly low.
- 4
Stack up available discounts
Maximize your savings by combining multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses, and good student discounts can also reduce your premium significantly.
- 5
Research company reputations
Look beyond just price when choosing an insurer in Salem. Check customer reviews, claims satisfaction ratings, and financial strength scores. A company's reputation for fair claims handling and good customer service can be worth paying slightly more for coverage.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers to compare rates. Use a mix of local Salem agents, online quote tools, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance coverage and rates. Life changes like improving credit, getting married, or moving within Salem can affect your premiums. Shopping around annually ensures you continue getting the best rates as your situation changes.
Cheapest Car Insurance in Salem: Bottom Line
Car insurance rates in Salem depend on your age, driving record and vehicle type. While GEICO and Travelers offer the lowest average premiums in the area, your personal rate will vary. Compare quotes from multiple providers to find your best deal.
Cheap Salem Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Salem. Our research helps you understand coverage options and save money while getting the protection you need.
What is the cheapest car insurance company in Salem, Oregon?
GEICO offers the lowest minimum coverage at $613 in Salem, while Travelers leads for full coverage at $1,156. Compare quotes as rates vary based on individual factors.
Who offers the best car insurance in Salem?
Progressive leads Salem's car insurance providers with a MoneyGeek score of 98 out of 100, narrowly outperforming Travelers by 0.1 points. Progressive delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Salem?
Salem drivers pay $1,575 for full coverage and $819 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Salem expensive?
Car insurance in Salem is more expensive than average, ranking 367th for minimum coverage and 360th for full coverage affordability compared to other Oregon cities.
How We Chose the Best and Cheapest Car Insurance in Salem, OR
To help Salem drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Oregon Division of Financial Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Oregon to tailor options as closely as possible to you.
Salem Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Salem
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oregon are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.