Car Insurance in Salem, OR – Cheapest Rates for 2025

• Average car insurance cost in Salem is $2,438 per year, or around $203 per month, for a full-coverage policy.
• Salem auto insurance averages $34 per year more than the Oregon state average rate and $162 per year more than the United States national average.
• Car insurance rates for a few popular models in Salem include the Toyota RAV4 at $187 per month, Ram Truck at $235, and Ford Explorer at $184.
• Compact crossovers like the Volkswagen Tiguan, Hyundai Venue, and Kia Soul are the top picks for cheap car insurance in Salem.

How much does car insurance cost in Salem?

The average car insurance expense in Salem is $2,438 per year, which is 6.9% more than the national average rate of $2,276 per year. The average cost of car insurance per month in Salem is $203 for full coverage.

In the state of Oregon, the average car insurance cost is $2,404 per year, so the average cost in Salem is $34 more per year. When compared to other larger cities in Oregon, the average cost to insure a car in Salem is $216 per year more than in Eugene, $228 per year less than in Portland, and $50 per year cheaper than in Hillsboro.

The chart below goes into more detail for drivers age 20 to 60 by including rates for three different policy deductibles. Displaying these different rates can help visualize how auto insurance rates increase with lower deductibles, and decreases with higher deductibles.

The average cost of car insurance per month in Salem is $203, with prices ranging from $143 to $475 for the driver ages and policy deductibles shown above.

Car insurance rates can cost very different amounts for different drivers and can also be very different depending on the company. The potential for large differences in cost emphasizes the need for multiple auto insurance quotes when trying to find the cheapest car insurance policy.

Driver age makes a big difference in the price you pay for auto insurance, so the list below illustrates this point by breaking down average car insurance rates in Salem for drivers from 16 to 60.

Average car insurance rates in Salem, OR, for drivers age 16 to 60

• 16-year-old driver – $8,680 per year or $723 per month
• 17-year-old driver – $8,410 per year or $701 per month
• 18-year-old driver – $7,536 per year or $628 per month
• 19-year-old driver – $6,863 per year or $572 per month
• 20-year-old driver – $4,904 per year or $409 per month
• 30-year-old driver – $2,600 per year or $217 per month
• 40-year-old driver – $2,438 per year or $203 per month
• 50-year-old driver – $2,162 per year or $180 per month
• 60-year-old driver – $2,022 per year or $169 per month

Popular vehicles and the cost of insurance

The car insurance costs referenced previously take all 2024 vehicle models and average them, which is useful for making broad comparisons such as the difference in average auto insurance cost by location or driver age.

Average auto insurance rates work very well when trying to find the answer to questions like “are Salem car insurance rates cheaper than in Gresham?” or “are car insurance rates in Oregon cheaper than in Illinois?”.

For more useful price comparisons, however, the rates will be more accurate if we use rates for the specific model of vehicle being insured. Every model has a different profile for physical damage and liability claims, and this data allows for more detailed insurance cost analysis.

The chart below breaks down the cost of car insurance for some of the most popular cars, trucks, and SUVs cruising around Salem.

The models that are popular in Salem tend to be compact or midsize cars like the Hyundai Elantra, Toyota Corolla, and Nissan Altima and small or midsize SUVs like the Nissan Rogue, Toyota RAV4, and Toyota Highlander.

Other popular vehicles from other segments include luxury cars like the Lexus ES 350 and Tesla Model S, luxury SUVs like the Infiniti QX60 and Lexus RX 350, and models from the pickup truck segment like the Ford Ranger and Toyota Tacoma.

We cover auto insurance rates for many more models coming up, but before we get into that data, let’s rehash some of the key ideas that we covered in the prior data.

• Average car insurance cost per month ranges from $169 to $723 – That’s the average car insurance price range for insured drivers age 16 to 60 in Salem.
• Car insurance is generally cheaper as you get older – Auto insurance rates for a 40-year-old driver in Salem are $2,466 per year cheaper than for a 20-year-old driver.
• Insurance rates decrease considerably from age 20 to 30 – The average 30-year-old Salem, OR, driver will pay $2,304 less each year than a 20-year-old driver, $2,600 compared to $4,904.
• Salem car insurance rates are more expensive than the Oregon state average – $2,438 (Salem average) versus $2,404 (Oregon average)
• Insurance for teen drivers is expensive in Salem – Rates range from $5,801 to $8,680 per year for car insurance for teens in Salem, OR.
• Salem, Oregon, car insurance costs more than the U.S. average – $2,438 (Salem average) compared to $2,276 (U.S. average)

In Salem, which vehicles are cheapest to insure?

When every make and model is compared, the models with the cheapest average car insurance rates in Salem tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Toyota Corolla Cross. Average insurance prices for those compact SUVs cost $165 or less per month to get full coverage.

Additional vehicles that are in the top 20 in our overall cost comparison are the Subaru Outback, Buick Envista, Honda CR-V, and Kia Niro. Rates are a little bit more for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $177 or less per month in Salem.

The table below details the 30 models with the cheapest car insurance in Salem, sorted by annual and monthly insurance cost.

A table of 30 vehicles with the cheapest insurance in Salem is not really the best way to show the full picture of the cost of car insurance in Salem. A more thorough way to group rates for more models is to sort them by the segment they belong to. The sections below rank the top 20 vehicles with the lowest cost insurance rates in Salem for the six most popular segments.

Cheapest cars to insure in Salem, Oregon

Ranking in the top five for the most affordable Salem car insurance rates in the non-luxury car segment are the Nissan Sentra, Honda Civic, Subaru Impreza, Toyota GR Corolla, and Nissan Leaf. Auto insurance rates for these vehicles average $2,240 or less per year.

Other models that have affordable insurance rates include the Toyota Prius, Toyota Corolla, Kia K5, and Honda Accord, with an average car insurance cost of $2,374 per year or less.

In the bottom half of the top 20, models like the Volkswagen Arteon, Hyundai Sonata, Mazda 3, Kia Forte, Subaru Legacy, and Mitsubishi Mirage G4 average between $2,374 and $2,520 per year for full-coverage insurance.

Auto insurance rates in Salem for this segment for a safe driver will start around $177 per month, depending on the company and your location.

The cheapest non-luxury compact car to insure in Salem is the Toyota GR Corolla at $2,118 per year. For midsize models, the Kia K5 has the best rates at $2,348 per year. And for full-size cars, the Chrysler 300 is cheapest to insure at $2,320 per year.

The rate comparison table below ranks the cars with the lowest-cost auto insurance rates in Salem, starting with the Toyota GR Corolla at $2,118 per year ($177 per month) and ending with the Mazda 3 at $2,520 per year ($210 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Oregon.

Cheapest SUVs to insure in Salem

Ranking highest for the cheapest Salem auto insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Subaru Crosstrek, Chevrolet Trailblazer, Honda Passport, and Nissan Kicks. Rates for these 2024 models average $1,940 or less per year, or around $162 per month.

Additional SUVs that have affordable average insurance rates include the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Toyota Corolla Cross, with average rates of $1,996 per year or less.

Additional models worth mentioning include the Volkswagen Tiguan, Subaru Outback, Nissan Murano, Honda HR-V, and Kia Niro, which average between $1,996 and $2,120 per year for full-coverage insurance.

Car insurance for this segment in Salem for the average driver will start around $150 per month, depending on where you live and the company you use.

The cheapest compact SUV to insure in Salem is the Subaru Crosstrek at $1,800 per year. For midsize SUVs, the Honda Passport has the best rates at $1,940 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest rates at $2,288 per year.

The table below ranks the SUVs with the lowest-cost car insurance in Salem, starting with the Subaru Crosstrek at $1,800 per year and ending with the Subaru Ascent at $2,120 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance cost for your SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Salem car insurance quotes from top-rated auto insurance companies in Oregon.

Cheapest luxury cars to insure in Salem, Oregon

The most affordable luxury car models to insure in Salem are the Acura Integra at $2,166 per year, the BMW 330i at $2,482 per year, and the Mercedes-Benz CLA250 at $2,508 per year.

Not the cheapest to insure, but still ranked well, are luxury cars like the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Genesis G70, with average insurance cost of $2,562 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the Cadillac CT5, BMW 330e, Lexus ES 300h, Audi S3, and Lexus ES 250 average between $2,562 and $2,734 per year to insure.

From a cost per month standpoint, auto insurance in this segment for a safe driver will start around $181 per month, depending on your location and insurance company. The table below ranks the cars with the lowest-cost average auto insurance rates in Salem, starting with the Acura Integra at $181 per month and ending with the Audi S3 at $228 per month.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Salem car insurance quotes from the best auto insurance companies in Oregon.

Cheapest luxury SUVs to insure in Salem, Oregon

Taking the top spot in Salem for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, costing an average of $2,040 per year. Second place is the Lexus NX 250 costing $2,158 per year, third place goes to the Cadillac XT4, costing an average of $2,202 per year, and coming in fourth is the Jaguar E-Pace, at an average of $2,278 per year.

Also ranking well are luxury SUVs like the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Lexus UX 250h, with an average cost to insure of $2,352 per year or less.

From a monthly standpoint, full-coverage car insurance on this segment in Salem for the average driver starts at an average of $170 per month, depending on the company and where you live.

The most budget-friendly small luxury SUV to insure in Salem is the Acura RDX at $2,040 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,278 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,734 per year.

The table below ranks the luxury SUVs with the cheapest average insurance rates in Salem.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Is your luxury SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Salem car insurance quotes from top auto insurance companies in Oregon.

Cheapest sports car insurance rates in Salem, OR

The top three sports cars with the most affordable insurance rates in Salem are the Mazda MX-5 Miata at $2,256 per year, the Toyota GR86 at $2,568 per year, and the Ford Mustang at $2,678 per year.

Other models that have affordable insurance rates are the Toyota GR Supra, BMW M2, Nissan Z, and Lexus RC F, with average insurance cost of $2,914 per year or less.

In the bottom half of the top 20, models like the Porsche 911, Porsche 718, Mercedes-Benz AMG GT53, BMW M4, Chevrolet Camaro, and Chevrolet Corvette cost between $2,914 and $4,128 to insure per year.

Full-coverage car insurance in Salem for this segment can cost as low as $188 per month, depending on your location. The rate comparison table below ranks the sports cars with the lowest-cost average insurance rates in Salem, starting with the Mazda MX-5 Miata at $188 per month and ending with the Porsche Taycan at $344 per month.

Don’t see your sports car in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Salem.

Cheapest pickups to insure in Salem

Taking the top spot in Salem for the lowest-cost average insurance in the pickup segment is the Chevrolet Colorado, costing an average of $2,148 per year. Second place is the Nissan Titan at $2,278 per year, and the third most affordable is the Nissan Frontier, at an average of $2,302 per year.

Additional pickups that have good average insurance rates are the GMC Sierra 2500 HD, Toyota Tacoma, Honda Ridgeline, and GMC Canyon, with an average cost to insure of $2,508 per year or less.

As a cost per month, full-coverage auto insurance in Salem on this segment for a middle-age safe driver starts at an average of $179 per month, depending on your location.

The table below ranks the twenty pickups with the lowest-cost car insurance rates in Salem.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Salem car insurance quotes from top-rated companies in Oregon.

Tips for getting cheaper Salem auto insurance quotes

Resourceful drivers in Salem should always be looking to pay less for car insurance, so browse the money-saving tips in the list below to see if you can save a few bucks when buying auto insurance.

• Compare insurance costs before buying a car. Different vehicle models can have very different insurance premiums, and car insurance companies can price policies with very different rates. Get quotes before you buy a different car in order to avoid any surprises when you get the bill.
• Choose a vehicle with lower auto insurance rates. The performance of the vehicle you drive is a huge factor in the cost of car insurance. For example, a Subaru Crosstrek costs $2,900 less per year to insure in Salem than a Audi R8. Lower performance vehicles save money.
• Car insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• You don’t have to stick with the same company. Taking the time to get free car insurance quotes is our best recommendation for saving money. Rates change frequently and you can change companies at any time.
• Stay claim free and save. Auto insurance companies offer discounts for not filing any claims. Car insurance is intended to be used to protect you from significant financial loss, not for minor claims that can easily be paid out-of-pocket.
• Careless drivers have higher auto insurance rates in Salem. At-fault accidents raise insurance rates, possibly as much as $1,176 per year for a 30-year-old driver and as much as $592 per year for a 60-year-old driver. So be a cautious driver and save.
• Clean up your credit to lower your rates. Drivers who have credit scores over 800 could save around $383 per year when compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost up to $444 more per year. Not all states use credit score as a rating factor, so check with your agent or company.