Salem, OR Car Insurance

Explore average insurance costs in Salem and how to save on your next policy.

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How much does auto insurance cost in Salem?

 

The average car insurance rate in Salem, Oregon, is $1,550 per year. That's more than the statewide average in Oregon ($1,463) and pricier than the national average of $1,548. Our guide to Salem car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
AUTO INSURANCE COSTS: SALEM VS. STATE AND US AVERAGES
Salem Average (annual)Oregon AverageNational Average
$1,550$1,463$1,548
 
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Salem car insurance rates by insurer

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Salem, Country provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Salem — but don't forget to get personalized car insurance quotes to match your driving profile.

 
SALEM CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Country$968
GEICO$1,065
USAA$1,129
State Farm$1,199
Progressive$1,533
 

Consult our expert guide to finding the best cheap car insurance.

 

Salem car insurance costs by age

Salem drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,383 per year, on average. Those in their 60s don't pay significantly more ($1,417).

Teenage drivers pay Salem's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Salem is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Salem is $3,867, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN SALEM
Age groupAverage Annual Rate
Teenagers$5,891
20s$2,024
30s$1,533
40s$1,451
50s$1,383
60s$1,417
70s$1,762
 

Learn more about how age influences auto insurance rates.

 

Salem auto insurance costs by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Salem, married drivers pay $82 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Salem, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Salem, female drivers pay $87 per year more than do male drivers for car insurance.

 
SALEM CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,637
Male$1,550
Single$1,468
Married$1,468
Divorced$1,555
Widowed$1,549
 

Learn more about how gender and marital status have on insurance rates.

 

Salem car insurance rates by incident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Salem drivers found guilty of reckless driving face insurance rate increases of $769 per year, compared to the citywide average. A DUI violation may lead to a $606 increase, while a citation for speeding leads to a $359 rate hike.

 
SALEM CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Annual Rate
DWI/DUI$2,156
Reckless Driving$2,319
At-fault Accident (damages less than $1,000)$2,210
At-fault Accident (damages > $2,000)$2,347
Speeding Ticket (16-20 mph over speed limit)$1,909
 

Learn more about how citations can raise your auto insurance rates.

 

Salem car insurance premiums by credit tier

 

Credit score is often closely correlated with car insurance costs. In fact, Salem drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 59% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Salem, improving your credit to "Fair" corresponds with a $1,264 decrease in annual car insurance rates.

 
SALEM CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,125
Fair$1,861
Good$1,550
Very Good$1,409
Exceptional$1,272
 

Learn more about the relationship between poor credit and car insurance.

 

Compare quotes and find an affordable policy in Oregon!

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.