Cheapest Auto Insurance in Salem, Oregon (2024)

Salem drivers can find the cheapest car insurance rates from Mile Auto. The insurer’s liability rates start at just $67 per month.

Daria Kelly Uhlig
Daria Kelly Uhlig
  • Licensed Realtor with 10+ years in personal finance content

  • Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

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Danny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated October 30, 2024

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Cheapest recent rates near Salem, Oregon

Recent Salem, Oregon car insurance prices for Ford, Chevrolet, Dodge , and more.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Salem can expect to pay an average of $209 per month for full-coverage car insurance and $118 for liability-only coverage. The city’s rates are higher than Oregon’s average of $137 and slightly higher than the national average of $158 per month.

The capital of Oregon, Salem is the state’s second-largest city, with a population of around 177,000.[1] It also has a comparatively high crime rate, which could contribute to its higher-than-average car insurance rates.[2] However, rates vary based on your driving record, age, ZIP code, and other factors, so it’s important to compare car insurance quotes from multiple insurers before buying.

Quick Facts
  • Mile Auto, Safeco, and National General are the cheapest car insurance companies for Salem drivers.

  • Oregon is an at-fault state, so the driver who caused the accident is liable for damages.

  • Insurers in Oregon can use a credit-based insurance score when determining your car insurance rate.

Cheapest car insurance companies in Salem

The cheapest car insurance for one driver may not necessarily be the cheapest option for you — insurance companies weigh driving factors differently. That’s why it’s important to get quotes from a few companies to make sure they’re not just the cheapest overall but the cheapest for your specific needs.

Here’s a breakdown of some of the best car insurance companies in Salem, Oregon.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Safeco9.3$137$90Affordability
Mile Auto7.5$72$59Infrequent drivers
Liberty Mutual7.7$183$115Flexible coverage options
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Safeco

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User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$142/mo

Safeco offers some of the cheapest car insurance rates in Eugene and scored above average in customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. It offers numerous coverage options, including collision, comprehensive, and medical payments. Safeco also provides multiple discounts, including good driving and vehicle safety discounts.

Pros
  • Affordable premiums

  • Various discounts for young adults

Cons
  • Discounts and coverage options not available in every state

  • Gap insurance not available

Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified

Insurance Keeps Going Up

Please stop raising prices.

Carlotta - October 24, 2024
Verified

Excellent

They handled everything very smoothly.

Shirley - October 22, 2024
Verified

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

Best insurer for infrequent drivers: Mile Auto

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User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo

With a pay-per-mile structure, Mile Auto can help people who drive fewer than 10,000 miles a year save on insurance. Auto Mile’s website states it can help low-mileage drivers save 30% to 40% off their current rates.

Pros
  • Cheap rates for low-mileage drivers

  • No telematics-based tracking device required

Cons
  • Available in only 11 states

  • Limited coverage options

Read more driver reviews of Mile Auto
Cookie - October 15, 2024
Verified

Excellent

Low mileage rate.

Tasha - October 10, 2024
Verified

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas - October 8, 2024
Verified

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.

Best insurer for flexible coverage options: Liberty Mutual

Compare personalized, real-time quotes
User Reviews
2.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$120/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$204/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Frank - October 29, 2024
Verified

Been with them for 27 years, but I'm unsure

They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.

Gary - October 29, 2024
Verified

Price Gouging!

They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.

Donald - October 29, 2024
Verified

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Find Cheap Car Insurance in Salem, Oregon

Rates start at $67 per month for liability coverage

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How to get the cheapest car insurance in Salem

Car insurance companies consider a variety of factors when determining your premiums, like your age, driving record, vehicle type, ZIP code, and even your credit score. Each company weighs these factors differently, so you’ll get varying rates across the board.

Here are some tips to help you find cheap car insurance rates in Salem:

  • Shop around. You may be surprised how much rates can vary between insurers. It’s a good idea to shop around and get quotes from multiple insurers so you know you’re getting the best deal for your needs.

  • Increase your deductible. A deductible is an amount you must pay before your insurer starts paying a covered claim. Raising your deductible may lower your insurance bill but increase your out-of-pocket costs in the event of an accident.

  • Improve your credit score. Insurers in Oregon can consider your credit score when setting rates and may perceive people with lower credit scores as riskier and adjust rates accordingly. Improving your credit score may lower your insurance costs.

  • Ask about discounts. Insurance companies usually offer several discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance. Many insurers offer discounts if you bundle your auto insurance with homeowners, renters, or even life insurance.

Cheapest liability-only car insurance in Salem: Mile Auto

Liability-only car insurance helps cover the expenses of the other driver if you cause an accident, such as medical expenses and the cost to repair or replace their vehicle. However, it won’t cover your own vehicle damages and medical bills.

The cheapest insurer for liability-only car insurance in Salem is Mile Auto, with an average cost of $67 per month.

Here are some of the average rates for liability-only car insurance from top insurers in Salem:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$67
Safeco$97
National General$116
Liberty Mutual$120
GAINSCO$123
Midvale Home & Auto$128
Direct Auto$137
Dairyland$145
Bristol West$162
The General$176
Root$187
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Salem: Mile Auto

While liability insurance covers injuries and damage to other people, full-coverage auto insurance protects you and your property. Full coverage is worth considering if you want to avoid paying medical bills and repair costs out of pocket.

The cheapest insurer for full-coverage car insurance in Salem is Mile Auto, with an average cost of $84 per month.

Below are the average rates for full-coverage car insurance policies in Salem.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$84
Safeco$142
Liberty Mutual$204
Midvale Home & Auto$208
GAINSCO$223
National General$233
Direct Auto$268
Root$300
The General$315
Bristol West$320
Dairyland$347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Salem, Oregon

Recent Salem, Oregon car insurance prices for Ford, Chevrolet, Toyota , and more.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Salem, Oregon within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Oregon

Like in most states, Oregon drivers must carry liability insurance. Keep in mind these are only minimums, and you should consider more coverage to minimize the possibility of out-of-pocket expenses after an accident.

Below are the minimum insurance coverage requirements in Oregon.[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Personal injury protection$15,000 per person
Uninsured motorist coverage$25,000 per person / $50,000 per accident

In addition to the state’s minimum coverage, consider the following optional coverage options for broader protection on the road:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps cover your repair bills if you’re involved in an accident with another vehicle or object, such as a pole or fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage helps pay for non-accident-related damage, such as weather, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Cars start depreciating in value as soon as you drive them off the lot. Gap insurance helps cover the gap between the depreciated value of your vehicle and the amount left on your loan or lease if your car is stolen or totaled.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    Rental car reimbursement helps pay for alternative transportation, such as rental cars or train and bus tickets, while your car is in the shop.

Cheapest car insurance for drivers with an incident

Incidents occur on the road all the time. Incidents almost always increase your insurance premium, whether it’s an at-fault accident, speeding ticket, DUI, or other moving violation. Insurance companies consider your driving record when determining your rates, and while multiple violations can affect your rates, you can still find affordable insurance.

Below, we’ll cover what you can expect to pay for insurance after different types of incidents.

Shop for Car Insurance in Salem, OR

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Insurers see speeding as unsafe driving behavior, which is why drivers with speeding tickets on their records often pay more for insurance. The effect on your premium will vary by insurer and the severity of the ticket.

In addition to an insurance hike, you’ll likely also pay fines. Oregon speeding ticket costs depend on where you’re driving and how many miles above the speed limit you’re going. Speeding in school zones or work zones may result in higher fees.

On average, Salem drivers with speeding tickets pay $179 per month for liability coverage and $316 for full-coverage auto insurance. 

Here are some of the average monthly rates for drivers with a speeding ticket in Salem.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$67$93
Safeco$97$133
National General$116$157
Liberty Mutual$120$175
GAINSCO$123$179
Direct Auto$137$184
Dairyland$145$196
Bristol West$162$219
The General$176$240
Root$187$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Having an at-fault accident on your record will often result in your insurer increasing your insurance rates since insurers consider drivers who have caused an accident to be at higher risk than drivers with clean records. However, the effects on your rate should diminish with time by practicing safe driving habits.

Salem drivers with at-fault accidents on their motor vehicle records pay an overall average of $248 per month for car insurance.

Here are the average car insurance rates for Salem drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Mile Auto$67$98
Safeco$97$132
National General$116$162
Liberty Mutual$120$178
GAINSCO$123$164
Direct Auto$137$194
Dairyland$145$200
Bristol West$162$224
The General$176$248
Root$187$277
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Like anywhere else, driving under the influence in Oregon is a serious offense and can result in fees, license suspension, and even jail time. Aside from that, you’ll likely also see a bump in your insurance costs after a DUI, as insurers perceive you as a riskier investment and adjust rates accordingly.

In Salem, the average rates for drivers with DUIs are $203 for liability-only insurance and $359 for full coverage.

Here are the average car insurance rates for Salem drivers with a DUI on their record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Mile Auto$67$113
Safeco$97$163
National General$116$195
Liberty Mutual$120$202
GAINSCO$123$207
Direct Auto$137$231
Dairyland$145$244
Bristol West$162$273
The General$176$297
Root$187$315
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Age is one of the factors insurers consider when setting rates. The youngest and oldest drivers tend to pay the most for insurance. Rates decrease around age 35 but increase at around age 70. This could be due to an increased risk of injury from an accident, which can lead to higher claims.

On average, senior drivers in Salem pay $151 for a full-coverage policy each month and $85 per month for liability-only coverage.

Here are the average monthly rates for seniors in Salem.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$47$59
Safeco$77$112
National General$83$167
Liberty Mutual$94$160
GAINSCO$97$175
Direct Auto$100$195
Dairyland$108$259
Bristol West$121$240
The General$134$240
Root$146$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Due to their lack of driving experience and high accident rates, teen drivers can expect to pay higher than average premiums. However, teens have ways to lower costs, such as good student discounts, driving a safe vehicle, and staying on a parent’s insurance policy.

Teen drivers in Salem pay an overall average of $317 per month for car insurance.

Here are some of the average monthly auto insurance rates for teen drivers in Salem.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$137$171
Safeco$203$298
Liberty Mutual$224$381
GAINSCO$227$411
National General$240$482
Dairyland$252$604
Direct Auto$263$514
Bristol West$290$573
The General$298$533
Root$301$482
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Car Insurance Rates in Salem

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Salem car insurance quotes by credit tier

Oregon allows car insurance companies to consider credit scores when setting rates.[4] Generally, drivers with good credit scores can expect to pay less for car insurance, while people with bad credit scores may pay higher premiums.

Here are the average monthly quotes for each of the following credit tiers:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Salem?

Yes. Auto insurance is generally more expensive for Salem drivers than in many other parts of the U.S.

On average, Salem drivers pay $163 for car insurance. This is higher than the state average of $137 and the national average of $158.

More cities in Oregon

Car insurance rates vary by city and even ZIP code. Insurers consider factors like population density, crime rate, and weather when determining your premiums.

Here’s how other Oregon cities compare to Salem in terms of car insurance prices.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Beaverton$132$214
Corvallis$92$154
Eugene$92$160
Grants Pass$91$137
McMinnville$107$172
Medford$94$165
Portland$134$217
Redmond$82$164
Springfield$94$153
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Salem car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Salem.

  • How much is car insurance in Salem?

    On average, car insurance in Salem costs $209 per month for full coverage and $118 for liability-only insurance. Your unique premium will depend on factors like your location, driving record, age, gender, and credit score.

  • Which company has the cheapest car insurance in Salem?

    Mile Auto offers the cheapest car insurance rates in Salem, starting at $67 for liability-only coverage. Salem drivers can also find cheap rates from Safeco and National General, which have liability rates as low as $97 and $116, respectively.

  • What are the best car insurance companies in Salem?

    Many reliable insurers offer coverage in Salem, but State Farm, Mile Auto, and USAA are the best car insurance companies. State Farm and USAA have Insurify Quality Scores above 4.0 (out of 5.0) and strong ratings from AM Best and J.D. Power. Mile Auto is the best option for infrequent drivers in Salem, offering pay-per-mile insurance.

  • How much is car insurance per month in Oregon?

    Car insurance in Oregon costs an average of $109 per month for car insurance. Drivers can expect to pay $74 for liability coverage and $145 for full coverage.

  • Is car insurance higher in Oregon?

    Car insurance in Oregon is slightly higher than the national average, but it’s not the most expensive state for car insurance. Part of the reason Oregon’s insurance rates are expensive is because of its extensive minimum car insurance requirements.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Oregon Secretary of State. "Salem: Oregon's Capital."
  2. Neighborhood Scout. "Salem, OR."
  3. Oregon Department of Transportation. "Minimum Insurance Requirements."
  4. OregonLaws. "ORS 746.661 Use of credit history or insurance score."
Daria Kelly Uhlig
Daria Kelly Uhlig

Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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