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.
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.
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.
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.
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.
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.
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.
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.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
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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?

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.
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?

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?

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.
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
