Salem, OR Car Insurance

Drivers in Salem pay around $89 a month for their car insurance. To find out more check out our guide below.
What can Salem residents expect to pay for their car insurance? How does Salem stack up to the rest of the area, or even Oregon as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Salem?

Area Average Monthly Car Insurance Premium
Salem$89
OR$83
United States$81

As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in Salem than it is in the rest of Oregon.

Similarly, Salem residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $8 more for your policy in Salem.

While these are the average car insurance rates for Salem, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've broken down average rates for Salem to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$156
25-34$92
35-44$82
45-54$69
55-64$60
65+$63

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $93 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Salem.

Average Car Insurance Rates by Gender

Gender Average
Male$90
Female$88

In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your car in Salem, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$160
1 Ticket$97
Multiple Tickets$113

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Salem with a single accident on their record is about $99 a month. In addition, drivers with one ticket can expect to pay around $97 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$74
2-3 Years$95
4-5 Years$98
6-7 Years$111
8-10 Years$93
11-14 Years$92
15 Years or Older$85

If you look at the first table above, the cheapest vehicles to insure in Salem are by and large trucks and vans, at $70 per month.

Car owners can expect to pay an average of around $96 a month for their policy, while SUVs usually cost around $82 a month to insure.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Salem, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$93
Married$83
Divorced$70
Widowed$70

Generally, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Salem can be as much as $10 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$84
Rent$87
Live with parents$141

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Salem. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Salem, OR

Recent trends in car insurance for Salem drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Salem had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $73 a month.

How does Salem compare to neighboring areas?

Why are car insurance rates in Salem different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Area regulations
  • Access to off-street parking
  • Crime levels
  • Total drivers
  • Rate of car accidents

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Salem?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Salem.

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Salem Insurance FAQs

What factors affect car insurance quotes in Salem?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Salem different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Salem?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Salem?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Salem or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes