Compare Rates and Save on Auto Insurance

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The cheapest insurer for you will vary by your profile and needs. Salem drivers will find the cheapest minimum and full coverage rates through State Farm. This insurer is also the cheapest for drivers with offenses. USAA offers the best car insurance for military members. Families with teens should look at Nationwide. Capital Insurance Group is MoneyGeek’s top pick for best customer service.

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2023

Cheapest and Best Car Insurance in Salem, OR

Cheapest Minimum Liability Car Insurance in Salem

The most affordable car insurance companies for a minimum coverage policy in Salem:

  • State Farm: $461 per year
  • Country Financial: $488 per year

Dairyland is the most expensive minimum insurance policy in Salem, costing roughly $1,846 per year. While it’s the second-cheapest provider in Salem, Country Financial is the cheapest car insurance company in Oregon overall, with an annual average premium of $402 per year. Coverage costs can vary by region within a state, making where you live an important factor in finding the cheapest rates.

Company
Annual Premium
Monthly Premium

State Farm

$434

$36

State Farm

$461

$38

Country Financial

$488

$41

Country Financial

$491

$41

State Farm

$497

$41

GEICO

$522

$43

Progressive

$561

$47

Progressive

$565

$47

Capital Insurance Group

$580

$48

GEICO

$587

$49

Travelers

$589

$49

Travelers

$602

$50

Progressive

$616

$51

Capital Insurance Group

$630

$53

Nationwide

$631

$53

Country Financial

$638

$53

Travelers

$640

$53

Nationwide

$651

$54

GEICO

$665

$55

Kemper

$698

$58

American Family

$708

$59

American Family

$710

$59

Kemper

$729

$61

State Farm

$730

$61

Capital Insurance Group

$773

$64

State Farm

$781

$65

Farmers

$781

$65

Nationwide

$785

$65

American Family

$786

$66

Kemper

$787

$66

Country Financial

$808

$67

Nationwide

$829

$69

Country Financial

$830

$69

Farmers

$876

$73

Farmers

$879

$73

Nationwide

$883

$74

State Farm

$893

$74

GEICO

$921

$77

American Family

$950

$79

American Family

$981

$82

Allstate

$988

$82

Allstate

$991

$83

Travelers

$1,013

$84

Travelers

$1,019

$85

Progressive

$1,044

$87

Progressive

$1,073

$89

GEICO

$1,078

$90

Nationwide

$1,079

$90

Allstate

$1,080

$90

American Family

$1,081

$90

Country Financial

$1,088

$91

Capital Insurance Group

$1,129

$94

Travelers

$1,153

$96

GEICO

$1,229

$102

Progressive

$1,250

$104

Capital Insurance Group

$1,253

$104

Kemper

$1,264

$105

Farmers

$1,282

$107

Kemper

$1,319

$110

Kemper

$1,370

$114

Farmers

$1,372

$114

Farmers

$1,446

$121

Allstate

$1,484

$124

Allstate

$1,547

$129

Allstate

$1,595

$133

Capital Insurance Group

$1,728

$144

Dairyland

$1,793

$149

Dairyland

$1,846

$154

Dairyland

$2,021

$168

Dairyland

$2,850

$237

Dairyland

$2,938

$245

Dairyland

$3,242

$270

Minimum coverage policies must meet Oregon’s mandatory liability limits for bodily injury liability and property damage liability. Oregon’s minimum coverage limits include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $15,000 personal injury protection

After an at-fault accident, liability-only insurance covers injuries to others up to your coverage limits. For example, if you have $50,000 in bodily injury liability coverage per person and $100,000 per accident, your insurance provider covers medical costs for each individual up to $50,000, maxing out at $100,000. You’ll pay out of pocket for any costs above these limits.

Cheapest Full Coverage Car Insurance in Salem

The cheapest car insurance companies for a full coverage policy in Salem:

  • State Farm: $781 per year
  • Country Financial: $830 per year

Dairyland charges an annual premium of $2,938, making it the least affordable full coverage car insurance provider in Salem.

Country Financial offers the cheapest full coverage insurance in Oregon at $862 per year, a slight increase over rates in Salem. Where you live has an impact on your auto insurance rates. Insurance companies evaluate risk levels associated with your area, taking into account factors such as accident frequency, traffic congestion and crime rates.

Company
Annual Premium
Monthly Premium

State Farm

$434

$36

State Farm

$461

$38

Country Financial

$488

$41

Country Financial

$491

$41

State Farm

$497

$41

GEICO

$522

$43

Progressive

$561

$47

Progressive

$565

$47

Capital Insurance Group

$580

$48

GEICO

$587

$49

Travelers

$589

$49

Travelers

$602

$50

Progressive

$616

$51

Capital Insurance Group

$630

$53

Nationwide

$631

$53

Country Financial

$638

$53

Travelers

$640

$53

Nationwide

$651

$54

GEICO

$665

$55

Kemper

$698

$58

American Family

$708

$59

American Family

$710

$59

Kemper

$729

$61

State Farm

$730

$61

Capital Insurance Group

$773

$64

State Farm

$781

$65

Farmers

$781

$65

Nationwide

$785

$65

American Family

$786

$66

Kemper

$787

$66

Country Financial

$808

$67

Nationwide

$829

$69

Country Financial

$830

$69

Farmers

$876

$73

Farmers

$879

$73

Nationwide

$883

$74

State Farm

$893

$74

GEICO

$921

$77

American Family

$950

$79

American Family

$981

$82

Allstate

$988

$82

Allstate

$991

$83

Travelers

$1,013

$84

Travelers

$1,019

$85

Progressive

$1,044

$87

Progressive

$1,073

$89

GEICO

$1,078

$90

Nationwide

$1,079

$90

Allstate

$1,080

$90

American Family

$1,081

$90

Country Financial

$1,088

$91

Capital Insurance Group

$1,129

$94

Travelers

$1,153

$96

GEICO

$1,229

$102

Progressive

$1,250

$104

Capital Insurance Group

$1,253

$104

Kemper

$1,264

$105

Farmers

$1,282

$107

Kemper

$1,319

$110

Kemper

$1,370

$114

Farmers

$1,372

$114

Farmers

$1,446

$121

Allstate

$1,484

$124

Allstate

$1,547

$129

Allstate

$1,595

$133

Capital Insurance Group

$1,728

$144

Dairyland

$1,793

$149

Dairyland

$1,846

$154

Dairyland

$2,021

$168

Dairyland

$2,850

$237

Dairyland

$2,938

$245

Dairyland

$3,242

$270

Full coverage includes liability coverage as well as comprehensive and collision coverage.

  • Collision coverage covers damages to your vehicle resulting from an accident with another car or object.
  • Comprehensive coverage provides financial protection against theft, natural disasters, vandalism and other non-collision events that can damage your vehicle.

A full coverage policy may not be necessary for older vehicles. You could end up paying more per year in premiums for a car with a lower value.

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Cheapest Car Insurance in Salem After a Driving Offense

The cheapest insurance provider for a full coverage policy after driving violations in Salem are:

  • Speeding ticket: State Farm ($880 per year)
  • At-fault accident: State Farm ($1,034 per year)
  • DUI: State Farm ($880 per year)

After a DUI, speeding ticket or accident, the most expensive car insurance provider in Salem is Dairyland, with annual premiums of $3,255, $3,634 and $3,963, respectively. Car insurance companies factor driving records into your premiums. The most affordable insurer’s rates will be more expensive for drivers with offenses vs. drivers with no offenses.

Company
Annual Premium
Monthly Premium

State Farm

$493

$41

State Farm

$493

$41

State Farm

$524

$44

State Farm

$524

$44

State Farm

$567

$47

State Farm

$567

$47

State Farm

$586

$49

State Farm

$623

$52

Capital Insurance Group

$645

$54

Country Financial

$649

$54

Country Financial

$653

$54

Progressive

$659

$55

State Farm

$673

$56

Progressive

$697

$58

Capital Insurance Group

$707

$59

Capital Insurance Group

$709

$59

Progressive

$718

$60

Progressive

$725

$60

Country Financial

$742

$62

Country Financial

$765

$64

Country Financial

$768

$64

Progressive

$773

$64

Capital Insurance Group

$774

$65

Nationwide

$775

$65

Country Financial

$777

$65

GEICO

$781

$65

Progressive

$782

$65

Nationwide

$788

$66

Travelers

$792

$66

Nationwide

$801

$67

Travelers

$807

$67

Nationwide

$818

$68

State Farm

$822

$69

State Farm

$822

$69

Capital Insurance Group

$822

$69

Travelers

$833

$69

American Family

$847

$71

American Family

$847

$71

American Family

$848

$71

American Family

$848

$71

Travelers

$850

$71

Country Financial

$855

$71

Travelers

$858

$72

GEICO

$869

$72

American Family

$869

$72

American Family

$870

$73

Kemper

$873

$73

State Farm

$880

$73

State Farm

$880

$73

Capital Insurance Group

$884

$74

Kemper

$907

$76

GEICO

$907

$76

Travelers

$908

$76

Capital Insurance Group

$909

$76

Travelers

$939

$78

American Family

$945

$79

American Family

$945

$79

Nationwide

$946

$79

Farmers

$952

$79

Country Financial

$960

$80

Travelers

$960

$80

Progressive

$965

$80

State Farm

$966

$81

American Family

$967

$81

GEICO

$968

$81

Kemper

$977

$81

Kemper

$981

$82

Capital Insurance Group

$1,001

$83

Nationwide

$1,006

$84

State Farm

$1,008

$84

State Farm

$1,008

$84

Country Financial

$1,017

$85

Travelers

$1,022

$85

Kemper

$1,025

$85

Nationwide

$1,031

$86

State Farm

$1,034

$86

Progressive

$1,035

$86

Nationwide

$1,046

$87

Progressive

$1,046

$87

Farmers

$1,050

$87

Country Financial

$1,057

$88

Farmers

$1,074

$90

GEICO

$1,086

$90

Country Financial

$1,086

$91

Nationwide

$1,097

$91

Kemper

$1,114

$93

Farmers

$1,115

$93

Nationwide

$1,124

$94

Allstate

$1,128

$94

Allstate

$1,129

$94

American Family

$1,135

$95

American Family

$1,135

$95

Farmers

$1,137

$95

GEICO

$1,157

$96

Capital Insurance Group

$1,167

$97

American Family

$1,173

$98

American Family

$1,173

$98

Farmers

$1,174

$98

Nationwide

$1,181

$98

American Family

$1,183

$99

State Farm

$1,187

$99

Nationwide

$1,212

$101

Farmers

$1,217

$101

American Family

$1,222

$102

Country Financial

$1,228

$102

Country Financial

$1,234

$103

Allstate

$1,237

$103

Country Financial

$1,239

$103

Allstate

$1,241

$103

Allstate

$1,242

$103

Country Financial

$1,267

$106

Progressive

$1,269

$106

GEICO

$1,282

$107

Farmers

$1,288

$107

GEICO

$1,291

$108

American Family

$1,300

$108

American Family

$1,300

$108

Progressive

$1,307

$109

Nationwide

$1,309

$109

Farmers

$1,321

$110

Capital Insurance Group

$1,347

$112

American Family

$1,355

$113

Allstate

$1,371

$114

Travelers

$1,386

$116

Nationwide

$1,398

$116

Allstate

$1,399

$117

Nationwide

$1,400

$117

Allstate

$1,401

$117

Progressive

$1,432

$119

Country Financial

$1,439

$120

Travelers

$1,448

$121

Progressive

$1,458

$122

Travelers

$1,466

$122

Travelers

$1,468

$122

Capital Insurance Group

$1,483

$124

Progressive

$1,484

$124

GEICO

$1,487

$124

Capital Insurance Group

$1,497

$125

Travelers

$1,534

$128

Travelers

$1,536

$128

Allstate

$1,554

$129

Kemper

$1,577

$131

GEICO

$1,579

$132

Nationwide

$1,598

$133

Farmers

$1,599

$133

Country Financial

$1,607

$134

Kemper

$1,619

$135

Travelers

$1,622

$135

Progressive

$1,624

$135

Capital Insurance Group

$1,645

$137

GEICO

$1,648

$137

Kemper

$1,651

$138

Capital Insurance Group

$1,655

$138

Nationwide

$1,677

$140

Country Financial

$1,694

$141

Kemper

$1,696

$141

GEICO

$1,715

$143

Travelers

$1,716

$143

Kemper

$1,719

$143

Travelers

$1,722

$143

Allstate

$1,730

$144

Farmers

$1,757

$146

Kemper

$1,762

$147

Farmers

$1,764

$147

Farmers

$1,795

$150

Allstate

$1,813

$151

GEICO

$1,818

$152

Farmers

$1,822

$152

Kemper

$1,830

$153

Kemper

$1,843

$154

Capital Insurance Group

$1,843

$154

Allstate

$1,877

$156

Progressive

$1,887

$157

Farmers

$1,925

$160

Allstate

$1,925

$160

Kemper

$1,927

$161

Dairyland

$1,943

$162

Nationwide

$1,950

$163

Progressive

$1,986

$166

Farmers

$1,993

$166

Farmers

$1,994

$166

Dairyland

$2,002

$167

GEICO

$2,020

$168

Allstate

$2,023

$169

Farmers

$2,054

$171

Allstate

$2,100

$175

Progressive

$2,115

$176

Capital Insurance Group

$2,122

$177

GEICO

$2,129

$177

Allstate

$2,156

$180

Dairyland

$2,173

$181

Dairyland

$2,207

$184

Dairyland

$2,209

$184

Allstate

$2,256

$188

Dairyland

$2,266

$189

Dairyland

$2,271

$189

Allstate

$2,354

$196

GEICO

$2,369

$197

Capital Insurance Group

$2,377

$198

Dairyland

$2,396

$200

GEICO

$2,419

$202

Dairyland

$2,464

$205

Capital Insurance Group

$2,650

$221

GEICO

$2,860

$238

Kemper

$2,942

$245

Kemper

$3,055

$255

Dairyland

$3,156

$263

Kemper

$3,212

$268

Dairyland

$3,255

$271

Dairyland

$3,415

$285

Dairyland

$3,480

$290

Dairyland

$3,528

$294

Dairyland

$3,583

$299

Dairyland

$3,634

$303

Dairyland

$3,848

$321

Dairyland

$3,963

$330

Car insurance companies typically charge higher premiums to drivers with more severe violations added to their driving history, such as a DUI. In Salem, drivers with tickets will pay around $309 more annually, while drivers with DUIs could pay roughly $593 more. It’s important to compare rates to get the cheapest car insurance for a poor driving record,

Cheapest Car Insurance in Salem for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in Salem are:

  • Nationwide: $1,244 for female teens, $1,335 for male teens
  • State Farm: $1,326 per year for female teens, $1,680 for male teens

The most expensive car insurance for teens on a family policy is from Capital Insurance Group. Average annual premiums for male teens cost $2,945 and $3,088 for female teens.

As seen in the $92 price difference from Nationwide, car insurance providers may charge male teens higher premiums due to their perceived higher risk than female teens. This difference goes down in adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$691

$1,671

Nationwide

$764

$1,730

Nationwide

$769

$1,793

State Farm

$769

$1,857

Travelers

$777

$1,827

State Farm

$790

$1,865

Nationwide

$791

$2,403

State Farm

$809

$2,262

Nationwide

$811

$2,562

Travelers

$816

$1,866

State Farm

$839

$2,028

Nationwide

$856

$1,938

Kemper

$863

$2,369

State Farm

$872

$2,459

Nationwide

$875

$2,040

Nationwide

$878

$2,246

State Farm

$892

$2,108

Travelers

$893

$2,100

Travelers

$895

$2,324

Nationwide

$896

$2,380

Nationwide

$899

$2,036

Nationwide

$921

$2,149

Travelers

$921

$2,167

State Farm

$948

$2,651

Travelers

$959

$2,193

Travelers

$987

$2,605

State Farm

$988

$2,334

Kemper

$995

$2,528

State Farm

$1,002

$3,195

State Farm

$1,002

$2,827

Travelers

$1,005

$2,542

Travelers

$1,032

$2,360

Kemper

$1,055

$3,583

Kemper

$1,059

$4,199

State Farm

$1,066

$2,950

Nationwide

$1,109

$4,224

Allstate

$1,136

$2,524

Travelers

$1,136

$2,890

Nationwide

$1,146

$3,481

Farmers

$1,148

$2,519

State Farm

$1,152

$3,664

Allstate

$1,166

$3,372

Nationwide

$1,175

$4,785

Nationwide

$1,176

$4,936

Allstate

$1,177

$2,466

Travelers

$1,181

$2,988

Travelers

$1,184

$3,458

Nationwide

$1,197

$3,781

Farmers

$1,204

$2,721

Progressive

$1,206

$1,973

Allstate

$1,241

$3,598

Nationwide

$1,244

$5,471

State Farm

$1,253

$3,983

Nationwide

$1,253

$5,258

State Farm

$1,254

$3,472

Allstate

$1,255

$2,789

Nationwide

$1,261

$5,548

Progressive

$1,284

$3,088

Allstate

$1,305

$3,293

Kemper

$1,306

$3,583

Progressive

$1,308

$2,051

State Farm

$1,319

$4,194

State Farm

$1,326

$4,793

Allstate

$1,328

$7,854

Nationwide

$1,335

$6,155

Travelers

$1,339

$4,293

Nationwide

$1,344

$5,912

Allstate

$1,349

$2,826

Allstate

$1,350

$3,002

Kemper

$1,353

$5,960

GEICO

$1,355

$2,515

GEICO

$1,356

$2,081

Travelers

$1,364

$3,468

Kemper

$1,364

$4,199

Progressive

$1,368

$3,378

Travelers

$1,370

$4,090

GEICO

$1,377

$2,113

GEICO

$1,387

$3,372

GEICO

$1,388

$2,576

Allstate

$1,388

$3,281

GEICO

$1,401

$2,879

Kemper

$1,410

$3,583

Kemper

$1,410

$3,583

Allstate

$1,412

$4,792

Allstate

$1,412

$4,082

Progressive

$1,439

$2,354

GEICO

$1,442

$5,397

GEICO

$1,450

$2,692

GEICO

$1,453

$2,230

State Farm

$1,456

$4,575

Allstate

$1,458

$3,052

GEICO

$1,458

$3,043

GEICO

$1,471

$2,604

Progressive

$1,472

$2,308

Allstate

$1,489

$8,536

GEICO

$1,503

$5,112

Kemper

$1,508

$5,891

Progressive

$1,510

$2,962

Capital Insurance Group

$1,525

$2,558

Progressive

$1,528

$4,151

Allstate

$1,530

$5,034

Kemper

$1,531

$4,199

Kemper

$1,531

$4,199

Progressive

$1,551

$2,874

Progressive

$1,574

$3,785

Progressive

$1,585

$2,592

Capital Insurance Group

$1,592

$2,670

Progressive

$1,592

$2,495

Travelers

$1,599

$5,167

Capital Insurance Group

$1,600

$2,695

Kemper

$1,611

$7,485

Allstate

$1,614

$4,681

Allstate

$1,618

$10,989

Travelers

$1,656

$5,310

Progressive

$1,666

$4,674

Allstate

$1,667

$9,861

Capital Insurance Group

$1,671

$3,057

State Farm

$1,673

$5,254

Capital Insurance Group

$1,676

$2,822

State Farm

$1,680

$6,000

Kemper

$1,684

$7,551

GEICO

$1,690

$4,680

Allstate

$1,695

$9,952

Travelers

$1,731

$7,047

Kemper

$1,735

$5,891

Progressive

$1,735

$8,970

Progressive

$1,735

$4,283

GEICO

$1,736

$4,087

Capital Insurance Group

$1,747

$2,930

Farmers

$1,750

$2,249

Capital Insurance Group

$1,752

$3,205

GEICO

$1,760

$4,278

Farmers

$1,771

$2,276

Kemper

$1,787

$8,869

Farmers

$1,789

$2,299

Farmers

$1,795

$2,406

Farmers

$1,800

$2,342

GEICO

$1,819

$3,739

GEICO

$1,827

$6,214

Farmers

$1,827

$2,377

Capital Insurance Group

$1,830

$3,082

Farmers

$1,849

$2,406

Kemper

$1,855

$8,729

Allstate

$1,860

$10,664

Farmers

$1,868

$2,595

Farmers

$1,870

$5,082

Progressive

$1,876

$9,921

Kemper

$1,887

$7,485

Capital Insurance Group

$1,918

$3,216

Farmers

$1,920

$5,325

Kemper

$1,934

$8,669

GEICO

$1,949

$7,295

Farmers

$1,952

$10,730

Capital Insurance Group

$1,992

$3,339

Kemper

$1,995

$8,785

Capital Insurance Group

$2,010

$3,378

Travelers

$2,012

$6,503

Farmers

$2,032

$11,282

Progressive

$2,044

$10,569

Capital Insurance Group

$2,049

$3,747

Progressive

$2,069

$12,550

Capital Insurance Group

$2,087

$3,508

Travelers

$2,117

$8,857

Capital Insurance Group

$2,143

$3,920

Farmers

$2,147

$4,711

Farmers

$2,155

$11,846

Progressive

$2,174

$11,496

Farmers

$2,199

$4,968

Capital Insurance Group

$2,203

$4,072

Progressive

$2,206

$13,577

Farmers

$2,257

$12,530

Capital Insurance Group

$2,308

$4,271

Farmers

$2,329

$15,824

GEICO

$2,331

$13,479

Farmers

$2,432

$16,697

GEICO

$2,440

$13,581

Capital Insurance Group

$2,590

$4,787

Capital Insurance Group

$2,714

$5,022

Capital Insurance Group

$2,945

$7,476

Capital Insurance Group

$3,088

$7,848

If you're looking for car insurance for a teenage driver, it may be more cost-effective to include them in a family policy, which typically offer better pricing and discounts, especially for families with multiple cars. Additionally, drivers under the age of 18 can’t legally purchase insurance coverage without a parent or guardian co-signer. Teens in Salem could pay at least $3,327 more per year for their own policy vs. being on their parent’s insurance. When searching for affordable car insurance for teenage drivers, be sure to consider all available options.

Cheapest Car Insurance in Salem for Military Drivers

The cheapest car insurance for current or former military members in Salem are:

  • State Farm: $781 per year
  • Country Financial: $830 per year

USAA specializes in providing insurance for active or former military members and their families. The average rate for a USAA car insurance policy is $839 per year for full coverage.

State Farm and USAA are the most affordable insurance providers for minimum coverage for active military members, veterans and their families, with average annual premiums of $461 and $486, respectively.

Company
Annual Premium
Monthly Premium

State Farm

$434

$36

State Farm

$461

$38

USAA

$486

$40

Country Financial

$488

$41

Country Financial

$491

$41

State Farm

$497

$41

USAA

$514

$43

GEICO

$522

$43

Progressive

$561

$47

Progressive

$565

$47

USAA

$579

$48

Capital Insurance Group

$580

$48

GEICO

$587

$49

Travelers

$589

$49

Travelers

$602

$50

Progressive

$616

$51

Capital Insurance Group

$630

$53

Nationwide

$631

$53

Country Financial

$638

$53

Travelers

$640

$53

Nationwide

$651

$54

GEICO

$665

$55

Kemper

$698

$58

American Family

$708

$59

American Family

$710

$59

Kemper

$729

$61

State Farm

$730

$61

Capital Insurance Group

$773

$64

State Farm

$781

$65

Farmers

$781

$65

Nationwide

$785

$65

American Family

$786

$66

Kemper

$787

$66

Country Financial

$808

$67

Nationwide

$829

$69

Country Financial

$830

$69

USAA

$839

$70

USAA

$856

$71

Farmers

$876

$73

Farmers

$879

$73

Nationwide

$883

$74

State Farm

$893

$74

GEICO

$921

$77

American Family

$950

$79

American Family

$981

$82

Allstate

$988

$82

Allstate

$991

$83

USAA

$1,006

$84

Travelers

$1,013

$84

Travelers

$1,019

$85

Progressive

$1,044

$87

Progressive

$1,073

$89

GEICO

$1,078

$90

Nationwide

$1,079

$90

Allstate

$1,080

$90

American Family

$1,081

$90

Country Financial

$1,088

$91

Capital Insurance Group

$1,129

$94

Travelers

$1,153

$96

GEICO

$1,229

$102

Progressive

$1,250

$104

Capital Insurance Group

$1,253

$104

Kemper

$1,264

$105

Farmers

$1,282

$107

Kemper

$1,319

$110

Kemper

$1,370

$114

Farmers

$1,372

$114

Farmers

$1,446

$121

Allstate

$1,484

$124

Allstate

$1,547

$129

Allstate

$1,595

$133

Capital Insurance Group

$1,728

$144

Dairyland

$1,793

$149

Dairyland

$1,846

$154

Dairyland

$2,021

$168

Dairyland

$2,850

$237

Dairyland

$2,938

$245

Dairyland

$3,242

$270

How to Compare Cheap Salem Car Insurance Quotes Online

If you're seeking an online car insurance quote in Salem, the process can be extensive, requiring providing a considerable amount of personal information and taking 15 minutes (or longer) to get a quote from each provider.

To simplify this process, MoneyGeek offers estimated quotes in just a few minutes. You’ll only need essential info like your age, vehicle stats, driving record and coverage levels to get started.

Auto Insurance Calculator

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USAA

Best Car Insurance in Salem: Summary

When searching for car insurance, consider which factors like cost, available coverage options and customer service quality. The best car insurance providers in Salem are:

  • Best overall: Country Financial (MoneyGeek score of 80 out of 100)
  • Best for service: Capital Insurance Group (MoneyGeek score of 68 out of 100)
  • Best cheap: Country Financial (MoneyGeek score of 81 out of 100)

Scores vary based on how certain factors are weighted in each category.

Country Financial offers the best car insurance in Oregon.Your location can play a factor in your insurance premiums. Scoring 84 out of 100, USAA is worth considering if you are in the military.

Best Overall Car Insurance in Salem

The best overall car insurance companies in Salem, are:

  • Country Financial: MoneyGeek score of 80 out of 100 ($830 per year)
  • American Family: MoneyGeek score of 77 out of 100 ($981 per year)

Country Financial scored highly in affordability and customer satisfaction. These are two critical factors impacting an insurer’s ranking as the best overall option. USAA is worth considering if you are in the military — this provider scored 84 out of 100.

How was this MoneyGeek score calculated?

Country Financial

pros

Great score in affordability

High satisfaction score

Rental car/travel reimbursement, new car replacement and glass deductible modification

cons

Average claims and coverage rating

No accident forgiveness or gap insurance

COMPANY HIGHLIGHTS

Country Financial is the best overall car insurance company in Salem. With a focus on providing personalized service and affordable rates, Country Financial is an excellent provider. The company offers a range of coverage options like rental car/travel reimbursement, new car replacement and glass deductible modification.

Country Financial offers rental car/travel reimbursement coverage for up to $800 reimbursement for rental car expenses. It also reimburses travel, lodging and meals expenses if you have an accident over 100 miles from your home.

This insurer offers a new car replacement that provides car owners a brand-new car of the exact make and model if their vehicle is up to four model years old and meets specific guidelines.

Country Financial’s glass deductible modification is an insurance add-on that can cover repairing your windshield, car windows or headlight covers. With this coverage, you won't have to pay your Comprehensive coverage deductible.

Read MoneyGeek's Country Financial Auto Insurance Review

Best Car Insurance in Salem for Customer Service

Excluding cost, the best companies for customer service in Salem are:

  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,253 per year)
  • Country Financial: MoneyGeek score of 65 out of 100 ($830 per year)

Capital Insurance Group offers the best service for its policyholders and good claims experience. This provider does charge higher rates than other insurers, so you’ll pay more for excellent service.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Excellent customer satisfaction rating

Good claims score

Roadside assistance, custom parts coverage and full glass coverage

cons

Limited coverage options

No rental car and/or travel reimbursement coverage

Relatively expensive premiums

COMPANY HIGHLIGHTS

Capital Insurance Group has established itself as the best car insurance provider in Salem for customer service. With a focus on offering exceptional customer support, the company has gained a reputation for putting its policyholders first.

Its custom parts coverage allows policyholders to replace damaged parts with new ones without worrying about the depreciation value.

This insurer offers roadside assistance coverage as an optional add-on for both commercial and personal auto policyholders, providing peace of mind and support in the event of a roadside emergency like a flat tire or dead battery.

Its full glass coverage is an optional add-on that covers the cost of repairing or replacing your vehicle's glass components, such as the windshield and windows, in case of damage or breakage. This coverage typically has no deductible, making it a convenient and cost-effective option for drivers.

Best Cheap Car Insurance in Salem

Based on a review of affordability and service quality for policies meeting Oregon’s minimum coverage requirements, the best insurance companies in Salem are:

  • Country Financial: MoneyGeek score of 81 out of 100 ($488 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($461 per year)

While the cheapest minimum coverage policies in Salem offer the lowest rates, they also provide the least amount of protection against liability costs and no protection for damage to your vehicle in an accident. Weighing the potential savings against the coverage needed for your specific situation is essential.

How was this MoneyGeek score calculated?

Country Financial

pros

An affordable minimum coverage policy costs around $488 per year

High customer satisfaction score

Offers roadside assistance

Offers good student discount

cons

Low claims experience rating

Limited coverage and discount options

COMPANY HIGHLIGHTS

Capital Insurance Group has established itself as the best provider of cheap car insurance in Salem, offering a variety of coverage options to fit the specific needs and budget of every driver. It earned a good rating in customer satisfaction.

It offers optional roadside assistance coverage for both commercial and personal auto policyholders, which can provide support and peace of mind during a roadside emergency like a flat tire or dead battery.

Capital Insurance Group also offers a good student discount. Students can qualify if they maintain a cumulative "B" or better grade point average, earning a good student discount of up to 20%.

If you do need to file a claim, your results may vary since Capital Insurance Group scored low in our findings.

Read MoneyGeek's Country Financial Auto Insurance Review

Average Cost of Car Insurance in Salem

The average cost of auto insurance in Salem for full coverage is $1,116 per year as of October 2022. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The city’s average car insurance cost is around $35 less than the average full coverage cost in Oregon and roughly $149 less than the national average. Location is one factor that can impact your insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.