Cheapest Car Insurance In Salem, OR 2025
With an average monthly cost of $47, Kemper is the cheapest choice for minimum coverage car insurance in Salem.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Salem, OR, can fluctuate a lot when looking for the cheapest option.
Kemper provides the lowest-cost liability-only insurance, while American Family stands out for full coverage affordability. General Casualty, on the other hand, offers the best rates for young drivers.
Cheapest Car Insurance Companies In Salem, OR 2025
Cheapest Liability-only Car Insurance In Salem: Kemper
With a monthly average of $47, Kemper stands out as the most budget-friendly option for minimum coverage car insurance in Salem.
The table below shows a side-by-side comparison of insurance rates from different providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $47 | $564 |
| State Farm | $60 | $720 |
| Travelers | $54 | $648 |
| GEICO | $61 | $732 |
| Country Financial | $67 | $804 |
Cheapest Full Coverage Insurance Rates In Salem: American Family
With an average monthly cost of $87, American Family stands out as the cheapest option for full coverage car insurance in Salem.
Check out the table below for a comparison of affordable car insurance quotes in Salem.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $87 | $1,044 |
| Travelers | $89 | $1,068 |
| Nationwide | $106 | $1,272 |
| State Farm | $109 | $1,308 |
| Farmers | $125 | $1,500 |
Cheapest Car Insurance Rates For Seniors: USAA
With an average monthly cost of $73, USAA provides the lowest car insurance rates for seniors in Salem.
The following table highlights average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $73 | $876 |
| Country Financial | $85 | $1,020 |
| State Farm | $76 | $912 |
| Metropolitan | $113 | $1,356 |
| Nationwide | $98 | $1,176 |
Cheapest Rates In Salem For Teenagers: USAA
Teenagers in Salem can secure the most affordable insurance from USAA, where premiums average $156 per month.
The following table highlights the companies with the cheapest car insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $156 | $1,872 |
| State Farm | $199 | $2,388 |
| Country Financial | $192 | $2,304 |
| National General | $430 | $5,160 |
| Travelers | $306 | $3,672 |
Cheapest Auto Insurance For Young Adults in Salem: General Casualty
Young adults in Salem can secure the cheapest car insurance from General Casualty, where rates average $74 per month.
Use the chart below to see which insurers offer the cheapest auto insurance rates for young adults in Salem.
| Provider | Average Monthly Cost | Average Annual Cost |
| General Casualty | $74 | $888 |
| USAA | $113 | $1,356 |
| Grange | $77 | $924 |
| Country Financial | $131 | $1,572 |
| State Farm | $122 | $1,464 |
Cheapest Car Insurance In Salem For Good Drivers: Kemper
Good drivers in Salem will find the cheapest auto insurance from Kemper, costing about $47 per month.
Use the table below to find the most affordable car insurance quotes available for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $47 | $564 |
| State Farm | $60 | $720 |
| Travelers | $54 | $648 |
| GEICO | $61 | $732 |
| Country Financial | $67 | $804 |
Find affordable Salem rates
Cheapest Car Insurance In Salem After A Speeding Ticket: National General
National General stands out as a budget-friendly choice in Salem, with monthly premiums averaging $152 for those with a speeding ticket.
Use the chart below to compare average insurance costs for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $152 | $1,824 |
| Root | $173 | $2,076 |
| Direct Auto | $191 | $2,292 |
| Dairyland | $176 | $2,112 |
| Liberty Mutual | $236 | $2,832 |
Cheapest For Drivers With After At-Fault Accident: National General
Drivers with an at-fault accident can find the cheapest car insurance with National General, which averages $155 per month.
Here’s a list of the cheapest car insurance providers for drivers with an at-fault accident history.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $155 | $1,860 |
| Dairyland | $181 | $2,172 |
| Safeco | $167 | $2,004 |
| Liberty Mutual | $240 | $2,880 |
| Root | $178 | $2,136 |
Cheapest Rates In Salem For Drivers After A DUI: National General
National General provides the most affordable car insurance for drivers with a DUI, charging around $187 per month in Salem.
Salem drivers with a DUI can compare the cheapest insurance options in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $187 | $2,244 |
| Safeco | $190 | $2,280 |
| Liberty Mutual | $272 | $3,264 |
| Direct Auto | $235 | $2,820 |
| Dairyland | $220 | $2,640 |
Best Car Insurance Companies In Salem
If you’re in Salem, Kemper provides the most affordable car insurance at $47 a month, but Travelers ($54) and State Farm ($60) are also worth considering.
Here are the top 10 car insurance companies in Salem, OR, sorted by the average cost of their monthly rates.
| Company | Monthly Premium |
| Kemper | $47 |
| State Farm | $60 |
| Travelers | $54 |
| GEICO | $61 |
| Country Financial | $67 |
| American Family | $63 |
| Nationwide | $69 |
| CIG | $64 |
| Progressive | $60 |
| Farmers | $76 |
Average Auto Insurance Rates In Salem – By Age
Insurance companies consider age a key factor in setting rates. Since younger drivers have less experience and a higher risk of accidents, they often pay more. Teenagers, for example, face an average yearly cost of $3,252 for car insurance.
Insurance rates tend to go down when drivers reach 25, assuming they have no accidents or violations.
Insurance companies tend to offer the most affordable rates to drivers in their 50s and early 60s because they use age to assess driving risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $3,252 |
| 20s | $2,017 |
| 30s | $1,288 |
| 40s | $1,246 |
| 50s | $1,252 |
| 60s | $1,266 |
| 70s | $1,592 |
Average Rates In Salem – By Vehicle
Insurance companies base your rates partly on your car’s type, including its make, model, and age. Newer luxury vehicles with expensive technology and repair costs usually have higher premiums.
Use the table below to compare insurance costs for different vehicles in Salem.
| Vehicle | Average Monthly Rate |
| Volkswagen Passat | $141 |
| Jeep Grand Cherokee | $181 |
| Chevrolet Avalanche | $436 |
| Nissan Juke | $289 |
| Honda Civic | $150 |
How Much Is Car Insurance In Other Cities in Oregon?
The cost of your car insurance is heavily influenced by where you live. Insurers look at factors like accident frequency, crime rates, and vandalism, which are often worse in cities, leading to higher premiums.
If you live in Portland, expect to pay around $161 per month for car insurance, compared to $97 for drivers in Grants Pass.
| City | Average Monthly Rate |
| Lake Oswego | $130 |
| Portland | $161 |
| Klamath Falls | $103 |
| Beaverton | $151 |
| Hillsboro | $138 |
| Bend | $122 |
| Gresham | $160 |
| Corvallis | $113 |
| Grants Pass | $97 |
| Eugene | $109 |
Average Cost Of Auto Insurance In Salem – By Zip Code
Insurance companies analyze crime rates by zip code, leading to different car insurance premiums for each area.
Use the table below to compare insurance rates across various zip codes in Salem.
| City | Average Monthly Rate |
| 97304 | $102 |
| 97301 | $130 |
| 97305 | $129 |
| 97302 | $121 |
| 97303 | $128 |
Find affordable Salem rates
Our Methodology
Taking into account customer service, pricing, coverage options, and online reviews, I’ve developed an in-depth analysis of car insurance providers in Salem, OR.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Salem?
Salem drivers can find the cheapest minimum coverage with Kemper, while American Family offers the lowest rates for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Salem?
Salem drivers pay an average of $130 per month for car insurance, but individual rates depend on zip code, vehicle type, and driving history.
