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Compare the best auto policy rates in OR

How Much Does Car Insurance Cost in Salem, OR?

Salem, Oregon, the capital city of the state, is a place where history and modernity converge. Nestled in the picturesque Willamette Valley, Salem is known for its serene beauty and a strong sense of community. The city boasts a rich historical heritage, with landmarks like the Oregon State Capitol building and Deepwood Estate showcasing its storied past.

So, how much can you expect your local car insurance to cost in Salem, OR?

Average Salem, OR Car Insurance Rates:

  • State Minimum Liability: You can expect to pay $102 a month or $1,222 a year.
  • Full Coverage: You can expect to pay $234 a month or $2,812 a year.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Eugene, OR Car Insurance rates

Drivers should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this city guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes.

Cheapest Car Insurance Providers in Salem

Here is a breakdown of average costs from the cheapest local insurance providers near you from our data set of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:Minimum Liability:Monthly:Full Coverage:Monthly:
Progressive Universal$939$78$2,407$201
State Farm$1,014$85$2,101$175
Progressive Classic$1,425$119$3,255$271
Average Cost:$1,222$102$2,812$234

Oregon Auto Insurance Rates by Age Group

Oregon insurance companies will use age as a factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.

Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.

* Full Coverage – Average Costs by Age:

* State Minimum Liability – Average Costs by Age:

Here is a full breakdown of the average costs for car insurance by age in Oregon:

Age:Minimum Liability:Monthly:Full Coverage:Monthly:

What are the Most Expensive Vehicle Types to Insure?

The type of vehicle you drive in Oregon will affect the overall costs of car insurance.

To determine how much you can expect to pay for your auto insurance based on vehicle type we averaged multiple cost quotes in OR and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.

We pulled data from Oregon insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door):$1,535$128$3,347$279
Hybrid Electric:$1,385$115$3,576$298
Luxury Coupe:$1,405$117$4,646$387

How Expensive is it to Insure a Brand New Car?

Drivers of brand new cars can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.

We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in Oregon:

Brand New Vehicle:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door):$1,453$121$3,720$310
Hybrid Electric:$1,439$120$4,061$338
Luxury Coupe:$1,441$120$5,031$419

How Much Does a Driving Record Violation Increase Insurance Costs?

Driving violations can have a significant impact on your car insurance costs in Oregon, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.

Here is a breakdown of full coverage car insurance cost increases with driving violations:

Driving Violation:Minimum Liability:Monthly:Full Coverage:Monthly:
Clean Record$1,183$99$3,087$257
1 Speeding Violation$1,393$116$3,738$311
1 At-Fault Accident$1,645$137$4,349$362
1 DUI Violation$1,519$127$4,017$335

How Much Car Insurance Do I Need in Oregon?

In Oregon, as in most states, there are minimum car insurance requirements that you must meet to legally operate a vehicle. These minimum requirements are typically expressed as a series of numbers that represent the minimum coverage amounts for different types of insurance.

  1. Bodily Injury Liability Coverage:
    • $25,000 per person for bodily injury
    • $50,000 per accident for bodily injury
  2. Property Damage Liability Coverage:
    • $20,000 per accident for property damage

Many insurance experts recommend purchasing higher levels of coverage, especially if you have assets to protect or if you want to ensure that you’re adequately covered in case of a severe accident. It’s also a good idea to consider additional types of coverage, such as:

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