Salem's average monthly full coverage car insurance costs $127. Rates range from $125 to $357, depending on driver profile. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Salem, OR, Car Insurance
Updated: January 17, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Salem: Key Takeaways
Kemper, State Farm and American Family are Salem's cheapest car insurance companies.
Kemper provides the most affordable car insurance, with rates starting at $45 per month for minimum coverage and $71 for full coverage.
On average, car insurance costs $79 per month for minimum coverage and $127 for full coverage.
Car Insurance Quotes in Salem, OR
| Young Drivers | $87 | $146 |
| Teens | No Data | $357 |
| Seniors | $79 | $125 |
| Drivers With an Accident | $108 | $180 |
| Drivers With a Speeding Ticket | $95 | $159 |
| Drivers With a DUI | $110 | $183 |
| Bad Credit | $125 | $204 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Salem vs. State Average
Oregon
State Average Full Coverage Rate
$1,513
Salem, OR
City Average Full Coverage Rate
$1,528Salem Car Insurance is Expensive:$15 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Salem?
In Salem, the average annual cost of full coverage car insurance is $1,528, while the minimum coverage costs about $949. These rates are higher than Oregon's averages of $1,513 and $909, respectively.
| State Average | $909 | $1,513 |
| Salem Average | $949 | $1,528 |
Cheapest Car Insurance Companies in Salem
Even though premiums are rising in Oregon, you can still find affordable car insurance in Salem. Kemper offers the cheapest minimum coverage at $45 per month and full coverage at $71.
Cheap Car Insurance in Salem
Kemper offers most Salem drivers the cheapest car insurance, but costs vary. The best way to find affordable options is to get quotes from different providers. The table below shows the lowest rates for different driver profiles.
| Kemper | Minimum Coverage | $45 |
| Kemper | Full Coverage | $71 |
| State Farm | Teens | $188 |
| Kemper | Young Adults | $55 |
| Kemper | Seniors | $61 |
| Kemper | Bad Credit | $96 |
| American Family | Drivers With a DUI | $88 |
| Kemper | Drivers With an Accident | $77 |
| Kemper | Drivers With a Speeding Ticket | $71 |
Car Insurance Rates in Salem by Company
To get the best car insurance rates in Salem, compare rates from different companies. Below, we detail the most affordable minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Salem
Kemper offers the cheapest minimum coverage auto insurance at $45 per month, followed by Travelers at $52. The table below breaks down the cheapest options.
| Kemper | $45 | $34 |
| Travelers | $52 | $27 |
| Progressive | $57 | $22 |
| State Farm | $58 | $21 |
| GEICO | $59 | $20 |
| American Family | $61 | $18 |
| CIG | $62 | $17 |
| Country Financial | $65 | $14 |
| Nationwide | $67 | $12 |
| Farmers | $75 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Salem
Kemper offers the most affordable full coverage car insurance in Salem at $71 per month. Below is a full list of providers and their rates.
| Kemper | $71 | $57 |
| American Family | $86 | $42 |
| Travelers | $86 | $42 |
| Progressive | $99 | $29 |
| Country Financial | $99 | $29 |
| Nationwide | $105 | $23 |
| State Farm | $107 | $20 |
| GEICO | $109 | $18 |
| CIG | $109 | $18 |
| Farmers | $123 | $5 |
Car Insurance Companies in Salem
Kemper offers the lowest annual premium in Salem at $693. CIG is the best cheap provider, with a MoneyGeek score of 89 out of 100. Check the table below for more options.
| CIG | 89 | $1,030 |
| American Family | 83 | $882 |
| State Farm | 73 | $994 |
| Country Financial | 68 | $982 |
| Nationwide | 67 | $1,031 |
| Travelers | 67 | $826 |
| Progressive | 63 | $933 |
| GEICO | 63 | $1,012 |
| Farmers | 62 | $1,185 |
| Kemper | 57 | $693 |
| Allstate | 53 | $1,907 |
| Dairyland | No Data | $3,385 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Salem by Age
Drivers in their early 20s pay the lowest car insurance rates, averaging $1,218 annually for 21-year-olds and $1,293 for 24-year-olds. The table below compares average costs for Salem drivers aged 16 to 65.
| 16 | $2,013 | $-320 |
| 17 | $1,912 | $-220 |
| 18 | $1,605 | $88 |
| 19 | $1,542 | $150 |
| 20 | $1,617 | $76 |
| 21 | $1,218 | $475 |
| 22 | $1,325 | $367 |
| 23 | $1,368 | $324 |
| 24 | $1,293 | $399 |
| 25 | $1,752 | $-182 |
| 40 | $1,528 | $42 |
| 65 | $1,496 | $74 |
Cheapest Car Insurance for Teens in Salem
Nationwide offers the cheapest overall car insurance for teens in Salem at $103 monthly, saving $44 compared to the state average. The table below highlights other affordable providers for this age group.
| Nationwide | $103 | $44 | $270 |
| State Farm | $113 | $34 | $188 |
| Allstate | $131 | $16 | $437 |
| Travelers | $135 | $12 | $291 |
| Kemper | $143 | $4 | $347 |
| GEICO | $155 | $-8 | $333 |
| Progressive | $159 | $-12 | $491 |
| Farmers | $177 | $-29 | $570 |
| CIG | $209 | $-61 | $282 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Salem
Kemper offers the lowest monthly rates for young drivers in Salem: $41 for minimum coverage and $70 for full coverage. The table below highlights the cheapest options for various driver profiles.
| Kemper | Minimum Coverage | $41 |
| Kemper | Full Coverage | $70 |
| Kemper | Bad Credit | $90 |
| American Family | Drivers With a DUI | $98 |
| Kemper | Drivers With an Accident | $74 |
| Kemper | Drivers With a Speeding Ticket | $68 |
Cheapest Car Insurance Companies for Young Drivers in Salem
Kemper offers the most affordable auto insurance for young drivers in Salem at $55 monthly. Travelers and American Family also have competitive rates. The table below shows other budget-friendly options.
| Kemper | $55 | $61 |
| Travelers | $78 | $38 |
| American Family | $81 | $35 |
| Progressive | $86 | $30 |
| State Farm | $93 | $23 |
| GEICO | $102 | $15 |
| Country Financial | $103 | $14 |
| Nationwide | $107 | $10 |
| CIG | $111 | $5 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Salem
Kemper and American Family offer the cheapest car insurance for seniors in Salem, but your rate depends on factors like driving history and credit score. The table below shows the cheapest providers for different driver and coverage profiles.
| Kemper | Minimum Coverage | $47 |
| Kemper | Full Coverage | $74 |
| Kemper | Bad Credit | $99 |
| American Family | Drivers With a DUI | $86 |
| Kemper | Drivers With an Accident | $82 |
| Kemper | Drivers With a Speeding Ticket | $74 |
Cheapest Car Insurance for Seniors in Salem
Kemper offers the cheapest monthly premium for seniors in Salem at $61 for minimum and full coverage policies. Travelers follows at $71. The table below shows more top car insurance providers for senior drivers.
| Kemper | $61 | $41 |
| Travelers | $71 | $31 |
| American Family | $72 | $30 |
| Progressive | $75 | $27 |
| Country Financial | $78 | $24 |
| State Farm | $78 | $24 |
| GEICO | $78 | $24 |
| CIG | $78 | $23 |
| Nationwide | $83 | $18 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Car Insurance Cost for High-Risk Drivers in Salem
In Salem, high-risk drivers generally pay more for car insurance than the state average. Minimum coverage costs about $1,255 annually, while full coverage averages $2,090. Those with bad credit and DUIs face the highest costs. Accidents and speeding tickets have a smaller impact on premiums.
| State Average | $1,205 | $2,055 |
| Salem Average | $1,255 | $2,090 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for around three to five years in Salem. For serious offenses, such as a DUI, insurers may take them into account for up to 10 years. These offenses often mean you must file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Salem
Progressive offers the cheapest minimum coverage for drivers with a DUI in Salem at $762 annually. American Family is the most affordable for full coverage at $1,231. Check out the table below for more low-cost coverage options.
| Progressive | $63 | $115 |
| State Farm | $66 | $120 |
| American Family | $74 | $103 |
| Country Financial | $79 | $150 |
| Travelers | $85 | $140 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Salem
Kemper, Travelers , CIG and American Family offer the cheapest auto insurance after an at-fault accident in Salem. The table below lists affordable options for drivers with an at-fault accident.
| Kemper | $60 | $94 |
| Travelers | $75 | $124 |
| CIG | $75 | $142 |
| American Family | $75 | $107 |
| Country Financial | $76 | $146 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Salem
Kemper is the cheapest car insurance provider for drivers with a speeding ticket in Salem, offering minimum coverage at $55 per month and full coverage at $86. The table below shows how much other providers charge drivers with speeding tickets.
| Kemper | $55 | $86 |
| State Farm | $66 | $120 |
| CIG | $69 | $129 |
| Country Financial | $66 | $129 |
| Progressive | $70 | $130 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Salem
Kemper offers the cheapest rates for drivers with bad credit in Salem: $75 monthly for minimum coverage and $116 for full coverage. Check the table below for more options.
| Kemper | $75 | $116 |
| Travelers | $95 | $146 |
| Progressive | $77 | $151 |
| CIG | $92 | $156 |
| GEICO | $91 | $174 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Salem, OR
Oregon mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
Minimum coverage protects you by covering expenses up to the policy limits, reducing out-of-pocket costs after an accident.
Cheap Car Insurance in Salem: Bottom Line
Kemper offers Salem’s cheapest car insurance at $45 monthly for minimum coverage and $70 for full coverage. Affordable options are available regardless of age or credit. Ensure your policy meets Oregon’s requirements, including bodily injury and property damage coverages. Compare providers to find a budget-friendly, compliant plan.
Salem Auto Insurance: FAQ
We answer common questions about finding affordable and quality car insurance options in Salem.
What is the cheapest car insurance company in Salem, OR?
Kemper offers Salem, Oregon's most affordable car insurance, with rates starting at just $45 for minimum coverage.
What is the best car insurance company in Salem, OR?
CIG is the best car insurance provider in Salem, Oregon, with a MoneyGeek score of 89 out of 100. The annual premium for minimum coverage is $1,030.
How much does car insurance cost on average in Salem, OR?
Salem's minimum coverage car insurance typically varies between $79 and $125 per month.
Best Cheap Car Insurance in Salem: Our Methodology
MoneyGeek analyzed Salem auto insurance prices using the Oregon Division of Financial Regulation and Quadrant Information Services data.
Salem Driver Profile
To assess the best and most affordable auto insurance options for Salem residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Salem
In assessing the car insurance quotes for Salem, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Oregon's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Salem providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Salem
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Salem for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our analysis, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.