Cheapest and Best Car Insurance Companies in Salem, OR

Based on the latest quotes collected for 2023, MoneyGeek found State Farm offers the cheapest minimum coverage in Salem, Oregon, while Country Financial has the best overall blend of customer satisfaction and affordability.

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 + BestCar InsuranceSalem

2023

Cheapest and Best Car Insurance in Salem, OR

Cheapest Overall - State Farm

Cheapest Full Coverage - State Farm

Cheapest After Driving Offense - State Farm

Cheapest for Teens - Nationwide

Cheapest for Military - State Farm

Best Overall - Country Financial

Best for Customer Service - Capital Insurance Group

Best Cheap - Country Financial

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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

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

State

Oregon

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$514

2.Country Financial

$748

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.

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?

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.

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 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.

Compare Rates and Save on Auto Insurance

Cheapest and Best Car Insurance Companies in Salem, OR

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in Salem

Cheapest Full Coverage Car Insurance in Salem

Cheapest Car Insurance in Salem After a Driving Offense

Cheapest Car Insurance in Salem for Teens and Their Families

Cheapest Car Insurance in Salem for Military Drivers

How to Compare Cheap Salem Car Insurance Quotes Online

Best Car Insurance in Salem: Summary

Best Overall Car Insurance in Salem

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Salem for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Salem

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Salem