Best Salem, MA Car Insurance in 2024
Car insurance in Salem, MA averages $302 a month. Salem, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Salem car insurance rates, compare quotes from the top car insurance companies in Salem, MA.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Salem is State Farm
- Average car insurance rates in Salem, MA are $3,620/year
- The cheapest car insurance company in Salem for teen drivers is State Farm
If you need to buy Salem, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Salem, MA is right here.
You’ll find Salem car insurance rates, the cheapest Salem, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Salem, Massachusetts car insurance rates to New Bedford car insurance rates, Cambridge car insurance rates, and Quincy car insurance rates.
Ready to find affordable Salem, MA car insurance today? Enter your ZIP code for fast, free Salem car insurance quotes.
Cheapest Salem, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Salem, MA car insurance rates? Every Salem, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,552 | $2,552 | $2,552 | $2,552 | $7,625 | $7,625 | $2,862 | $2,862 |
| Geico | $2,520 | $2,520 | $2,344 | $2,344 | $6,533 | $6,533 | $2,603 | $2,603 |
| Liberty Mutual | $3,562 | $3,562 | $3,101 | $3,101 | $9,922 | $9,922 | $3,727 | $3,727 |
| Progressive | $2,662 | $2,662 | $2,554 | $2,554 | $10,223 | $10,223 | $2,883 | $2,883 |
| State Farm | $1,205 | $1,205 | $1,205 | $1,205 | $3,081 | $3,081 | $1,205 | $1,205 |
| Travelers | $3,316 | $3,316 | $2,919 | $2,919 | $6,834 | $6,834 | $3,684 | $3,684 |
| USAA | $1,775 | $1,775 | $1,748 | $1,748 | $4,199 | $4,199 | $1,964 | $1,964 |
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Minimum Car Insurance in Salem, MA
Every driver must carry the minimum car insurance required by the state in Salem, MA. Take a look at the Massachusetts car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Salem, MA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Salem, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,999 | $4,519 | $5,074 | $2,999 |
| Geico | $2,789 | $3,859 | $4,401 | $2,950 |
| Liberty Mutual | $3,973 | $5,481 | $6,591 | $4,267 |
| Progressive | $3,839 | $5,434 | $4,299 | $4,749 |
| State Farm | $1,319 | $1,809 | $2,151 | $1,417 |
| Travelers | $3,248 | $4,518 | $4,845 | $4,142 |
| USAA | $1,716 | $2,237 | $3,810 | $1,922 |
Cheapest Salem, MA Car Insurance for Teen Drivers
Teen car insurance in Salem, MA can be expensive. Take a look at rates from the top car insurance companies in Salem for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,625 | $7,625 |
| Geico | $6,533 | $6,533 |
| Liberty Mutual | $9,922 | $9,922 |
| Progressive | $10,223 | $10,223 |
| State Farm | $3,081 | $3,081 |
| Travelers | $6,834 | $6,834 |
| USAA | $4,199 | $4,199 |
Cheapest Salem, MA Car Insurance for Seniors
Take a look at Salem, MA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,552 | $2,552 |
| Geico | $2,344 | $2,344 |
| Liberty Mutual | $3,101 | $3,101 |
| Progressive | $2,554 | $2,554 |
| State Farm | $1,205 | $1,205 |
| Travelers | $2,919 | $2,919 |
| USAA | $1,748 | $1,748 |
Cheapest Salem, MA Car Insurance Rates After a DUI
A DUI in Salem, MA increases car insurance rates. Compare Salem, Massachusetts car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,074 |
| Geico | $4,401 |
| Liberty Mutual | $6,591 |
| Progressive | $4,299 |
| State Farm | $2,151 |
| Travelers | $4,845 |
| USAA | $3,810 |
Cheapest Salem, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Salem, MA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,770 | $4,026 |
| Geico | $3,432 | $3,568 |
| Liberty Mutual | $4,880 | $5,276 |
| Progressive | $4,580 | $4,580 |
| State Farm | $1,635 | $1,713 |
| Travelers | $3,987 | $4,390 |
| USAA | $2,354 | $2,489 |
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The Best Cheap Car Insurance Companies in Salem, MA
Take a look at a side-by-side comparison of the top car insurance companies in Salem, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,898 |
| Geico | $3,500 |
| Liberty Mutual | $5,078 |
| Progressive | $4,580 |
| State Farm | $1,674 |
| Travelers | $4,188 |
| USAA | $2,421 |
Category Winners: Cheapest Car Insurance in Salem, Massachusetts
Find the cheapest car insurance companies in Salem, MA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Salem, MA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Salem car insurance rates. Find the cheapest Salem, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,589 | $3,961 | $4,143 |
| Geico | $3,215 | $3,563 | $3,721 |
| Liberty Mutual | $4,736 | $5,146 | $5,352 |
| Progressive | $4,193 | $4,667 | $4,882 |
| State Farm | $1,517 | $1,704 | $1,801 |
| Travelers | $3,769 | $4,272 | $4,523 |
| USAA | $2,243 | $2,461 | $2,560 |
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What affects car insurance rates in Salem, Massachusetts?
What are the factors that affect car insurance rates in Salem, MA? There are several reasons why Salem car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Salem, Massachusetts.
Commute Time in Salem
The more time you spend in your car the higher the risk of an accident. The average commute length in Salem, MA is 31.3 minutes according to City-Data.
Traffic in Salem
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Salem, MA traffic data from INRIX ranks Salem as the 737th-most congested in the world.
Compare Car Insurance Quotes in Salem, MA
Ready to find affordable Salem, Massachusetts car insurance today? Enter your ZIP code for fast, free Salem, MA car insurance quotes.
Frequently Asked Questions
How much does car insurance in Salem, MA cost on average?
The average monthly cost of car insurance in Salem, MA is around $302.
What are the car insurance requirements in Salem, Massachusetts?
The minimum car insurance requirements in Salem, MA are 20/40/5. This means you must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, the lender may require you to have full coverage insurance, which typically includes both liability and comprehensive/collision coverage. It’s important to check with your lender to determine the specific insurance requirements.
How do age, gender, and marital status affect car insurance rates in Salem, MA?
Age, gender, and marital status can impact car insurance rates in Salem, MA. Each insurance company may weigh these factors differently. Generally, older married individuals tend to have lower rates compared to younger single drivers. It’s best to compare rates from different companies to find the most affordable option for your specific situation.
What are the minimum car insurance coverage limits required in Salem, MA?
The minimum required car insurance coverage in Salem, MA includes $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
How does a driving record affect car insurance rates in Salem, MA?
Your driving record is a significant factor in determining car insurance rates in Salem, MA. Generally, having a clean driving record with no accidents or violations will result in lower rates. On the other hand, having accidents, DUIs, or speeding violations on your record can increase your insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.