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In the market for cheap auto insurance in Salem? With, you’ll find the best insurance premiums where you live. To find free car insurance estimates from the leading providers today, type in your postal code in the quote box here.

Salem is not just the third most populous city within the state of Oregon, it also happens to be the capital. While its early industries are rooted in agricultural products thanks to the surrounding fertile farmland (and Salem still maintains a lucrative wine industry to this day) it has now evolved into a transportation and processing hub. For residents, Salem offers scenic views and recreational mountain climbing.

  • Fun fact: calling all the single ladies! Take notice, because Salem is #69 on the list of “Top 100 cities with the largest percentage of males (pop. 50,000+)”. Find out more about Salem here.

Auto Insurance Coverage Requirements in Oregon

Driving legally in Salem requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 20,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Personal Injury Protection 15,000 15,000 with 0 deductible
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

The state minimum insurance required in Oregon is somewhat more comprehensive than in other states. For starters, the Liability limits are higher, which gives you extra financial protection in the event that you cause a wreck. You’ll also have some coverage against uninsured motorists.

For some people, these extra requirements make their insurance rates much more expensive. Most Oregon drivers are paying around $111 monthly for their coverage. However, Salem motorists can lower their rates down to $48/mo*! Let us show you how to get the best savings on Oregon auto insurance.

Average Monthly Auto Insurance Premiums Legend: Salem Grange Cal Casualty State Farm Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 $33 $41 $45 $60 $61


Grange and Cal Casualty are offering some of the lowest rates right now in your area. But remember that a low rate doesn’t necessarily accurately reflect a company’s customer service record. And it doesn’t mean they have an efficient claims processing department, either.

Auto insurance carriers evaluate numerous elements when calculating insurance prices, particularly driving experience, where you live, occupation, years of driving experience, and theft protection devices. Also, premiums differ from business to business. To make sure you are still paying the best cost, look at cheap Salem auto insurance costs on the web.

Major Car Insurance Factors in Salem

The moment your car insurance agency prepares to create your insurance policy, they take quite a few issues into account. Some, for instance your car’s make/model or perhaps your particular region, are improbable to change. Here are a few other examples:

  • Your Zip Code

Budget friendly car insurance is usually associated with urban centers which have a lesser population density. Since there are less cars on the highway, you will find a lesser number of opportunities to get involved in a serious crash with a different individual. The population of Salem is actually 160,614 and also the common family earnings are $43,436.

Auto Insurance by Zip Code Legend: Eugene Gresham Hillsboro Portland Salem Grange Cal Casualty State Farm Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $33 $38 $34 $45 $33 $32 $46 $41 $48 $41 $36 $48 $44 $54 $45 $57 $70 $64 $74 $60 $46 $62 $58 $59 $61


  • Automotive Accidents

As you can see from the chart, the rate of serious accidents in Salem is thankfully low. And because Salem is such a safe place to drive, that makes you much less likely to get into an accident. This means that insurance companies will automatically charge lower rates in your area.

Fatal Accidents in Salem, OR Legend: Salem Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 3 3 1 3 3 3


  • Auto Thefts in Salem

Sometimes in modest cities or rural towns, vehicle theft may still be a dilemma. To make it a smaller issue for you personally, consider putting in a passive anti-theft system within your own motor vehicle. Your car insurance provider could reward you with reduced premiums! Within Salem, they had 656 auto thefts in 2013. And, unfortunately, the only way you can make sure you’re 100% protected is with pricey Comprehensive insurance coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Grange Cal Casualty State Farm Nationwide Allstate 20 40 60 80 100 120 140 160 $33 $164 $41 $178 $45 $149 $60 $142 $61 $165


  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Grange Cal Casualty State Farm Nationwide Allstate 10 20 30 40 50 60 70 80 90 $29 $60 $32 $69 $36 $85 $53 $84 $53 $93


  • Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Grange Cal Casualty State Farm Nationwide Allstate 30 60 90 120 150 180 210 240 270 $33 $133 $41 $165 $45 $188 $60 $225 $61 $294


  • Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something only a few minor citations on your record, you can ask your provider about Accident Forgiveness discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Grange Cal Casualty State Farm Nationwide Allstate 15 30 45 60 75 90 105 120 $33 $33 $33 $33 $41 $45 Do Not Sell $50 $45 $49 $49 $58 $60 $73 $125 $91 $61 $72 $81 $15


  • Your Vehicle

As you can see from the chart above, it costs substantially more to insure a luxury vehicle than a typical fuel-efficient sedan. In addition to the higher price of the luxury vehicle (and therefore higher replacement costs if it gets damaged or stolen), most drivers tend to purchase more insurance coverage. And the more coverage your purchase, the higher your monthly rate will be.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Grange Cal Casualty State Farm Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 110 $33 $87 $41 $119 $45 $90 $60 $82 $61 $112


Minor Car Insurance Factors in Salem

The following factors might not have that much of an impact on your monthly premiums, but they will have some influence:

  • Your Marital Status

Married couples can get access to lower rates by bundling their policies together with the same company. You can get further discounts by bundling homeowner’s insurance, or renter’s insurance to your auto policies.

  • Your Gender

Believe it or not, most insurance companies don’t charge radically different rates for males or females. Some companies might charge 2-3% more based on gender. However, the growing trend is to charge adults the same monthly rate, regardless of gender. Check with your provider for more information.

  • Your Driving Distance to Work

Moderate commute times lasting between 13 and 22 minutes are the most common in Salem, but some durations of 10 to 15 minutes are almost equally likely. Nearly 72% of motorists will prefer to use their own automobile in order to get back and forth to work, while 9% will probably carpool.

Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.

  • Your Coverage and Deductibles

If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.

  • Education in Salem, OR

24% of Salem residents have finished all four years of their high school education and earned their diploma or an equivalent. An additional 19% have yet to complete their high school education. In order to save money on your auto insurance, you’ll need to have some form of education beyond that of a high school diploma. The further you go, the higher the discount you will be eligible for!

The largest four-year university in Salem is Willamette University, which is a private institution associated closely with the Methodist Church. Additionally, prospective students might be interested in the Chemeketa Community College which educates nearly 50,000 students annually who are pursuing associates degrees.

Figuring out your individual financial risk can be quite difficult or impossible for the common insurance consumer. Insurance companies have an advantage over consumers due to their data and experiential understanding. Find out what insurance agencies don’t wish for anyone to realize.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Oregon Insurance Division

Oregon Division of Finance and Corporate Securities

Department of Highway Safety and Motor Vehicles

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