Car Insurance in Salem

Among the insurers MoneyGeek analyzed, GEICO provides the cheapest car insurance in Salem for adult drivers with clean records at $613 per year for minimum coverage. Young drivers face the highest costs in Salem, with Country Financial charging $945 per year, which represents a 54% increase over adult rates.

Drivers with at-fault accidents pay $799 per year through State Farm, representing a 30% increase over clean-record rates. Salem drivers with DUI violations pay $677 per year through State Farm.

The rate variations between driver categories remain moderate compared to larger metropolitan areas. Salem's insurance market rewards safe driving with competitive premiums for drivers who maintain violation-free records.

GEICO leads Salem's market with full coverage priced at $1,226 per year, which is 25% below the city average of $1,575. Progressive provides competitive rates at $1,188 per year for full coverage, offering another excellent option for Salem drivers.

For minimum coverage, GEICO charges $613 per year while Progressive offers $683 per year. Travelers rounds out the competitive options at $1,156 per year for full coverage, giving Salem drivers multiple affordable choices.

The concentration of well-rated insurers in Salem creates a buyer-friendly market where comparison shopping pays dividends. All three top carriers maintain strong financial ratings and responsive customer service operations.

Adult drivers in Salem secure the lowest insurance rates while young drivers pay substantially more across all carriers. GEICO offers adult drivers coverage at $613 per year, which is 27% below the city average for minimum coverage.

Senior drivers pay $681 per year through GEICO, representing an 11% increase over adult rates. Young drivers face premiums of $945 per year through Country Financial, which is 54% higher than adult driver rates.

The age-based premium differences in Salem remain moderate compared to major urban markets. Salem's young drivers can improve their rates by maintaining good grades and completing driver education programs that many insurers reward with discounts.

Among insurers serving Salem, GEICO charges drivers with clean records just $613 per year for minimum coverage, establishing the market baseline. Speeding tickets raise premiums to $677 per year through State Farm, representing a 10% increase over clean-record rates.

At-fault accidents push rates to $799 per year through State Farm, representing a 30% increase. DUI violations result in premiums of $677 per year through State Farm, though this remains relatively moderate compared to other major violations.

The impact of driving record violations on Salem insurance rates remains manageable for most drivers. Even with violations, Salem residents can find affordable coverage by shopping multiple carriers.

Progressive and Travelers both achieve exceptional MoneyGeek scores of 98 out of 100 in Salem. These companies excel in customer satisfaction, claims processing efficiency and overall service quality.

Progressive offers sophisticated digital tools and mobile app functionality that appeals to tech-savvy customers. Travelers provides comprehensive coverage options with flexible policy customization features.

Salem drivers benefit from choosing either insurer for reliable coverage, responsive customer service and fair claims handling. Both companies maintain excellent financial strength ratings and demonstrate long-term stability in the insurance marketplace.

Insurance costs in Salem average $819 annually for minimum coverage and $1,575 for full coverage. These rates align closely with Oregon's statewide averages, making Salem a moderately priced insurance market.

GEICO consistently provides below-average premiums for Salem residents, offering meaningful savings opportunities for drivers who compare multiple quotes. The city's moderate traffic patterns, lower theft rates and smaller population compared to Portland all contribute to relatively affordable insurance costs.

Oregon's insurance regulations also help maintain reasonable rate structures across the state. Despite being the state capital, Salem avoids the elevated insurance costs that often accompany larger metropolitan areas.

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.

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.

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.

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.

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.