Best Salem, VA Car Insurance in 2025
Car insurance in Salem, VA averages $174 a month. Salem, Virginia car insurance requirements are 25/50/20, 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, VA.
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Table of Contents
Table of Contents
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated December 2025
- Average car insurance rates in Salem, VA after a DUI are $2,473/year
- The cheapest car insurance company in Salem is USAA
- The cheapest car insurance company in Salem for teen drivers is Nationwide
If you need to buy Salem, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Salem, VA is right here.
You’ll find Salem car insurance rates, the cheapest Salem, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Salem, Virginia car insurance rates to Roanoke car insurance rates, Suffolk car insurance rates, and Chesapeake car insurance rates.
Ready to find affordable Salem, VA car insurance today? Enter your ZIP code for fast, free Salem car insurance quotes.
Cheapest Salem, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Salem, VA car insurance rates? Every Salem, Virginia 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 | $1,866 | $1,758 | $1,856 | $1,856 | $5,900 | $6,771 | $2,430 | $2,427 |
| Geico | $1,358 | $1,349 | $1,289 | $1,289 | $2,962 | $3,957 | $1,581 | $1,555 |
| Nationwide | $1,242 | $1,249 | $1,107 | $1,136 | $2,905 | $3,732 | $1,365 | $1,483 |
| Progressive | $1,054 | $996 | $957 | $960 | $4,836 | $5,411 | $1,266 | $1,286 |
| State Farm | $1,158 | $1,158 | $1,050 | $1,050 | $3,563 | $4,461 | $1,310 | $1,513 |
| USAA | $1,024 | $1,007 | $959 | $962 | $3,188 | $3,798 | $1,316 | $1,443 |
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Minimum Car Insurance in Salem, VA
Every driver must carry the minimum car insurance in Salem, VA. Take a look at the Virginia car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Salem, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Salem, VA. Compare credit history car insurance rates in Salem from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,782 | $3,039 | $2,502 |
| Geico | $2,130 | $1,811 | $1,811 |
| Nationwide | $2,100 | $1,692 | $1,539 |
| Progressive | $2,330 | $2,044 | $1,913 |
| State Farm | $2,711 | $1,682 | $1,330 |
| USAA | $2,289 | $1,560 | $1,288 |
Cheapest Salem, VA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Salem, VA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,314 | $3,718 | $3,407 | $2,993 |
| Geico | $1,461 | $1,891 | $2,856 | $1,461 |
| Nationwide | $1,551 | $1,551 | $2,253 | $1,754 |
| Progressive | $1,791 | $2,375 | $2,137 | $2,080 |
| State Farm | $1,737 | $2,078 | $1,908 | $1,908 |
| USAA | $1,326 | $1,721 | $2,277 | $1,525 |
Cheapest Salem, VA Car Insurance for Teen Drivers
Teen car insurance in Salem, VA 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 | $5,900 | $6,771 |
| Geico | $2,962 | $3,957 |
| Nationwide | $2,905 | $3,732 |
| Progressive | $4,836 | $5,411 |
| State Farm | $3,563 | $4,461 |
| USAA | $3,188 | $3,798 |
Cheapest Salem, VA Car Insurance for Seniors
Take a look at Salem, VA senior car insurance rates 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 | $1,856 | $1,856 |
| Geico | $1,289 | $1,289 |
| Nationwide | $1,107 | $1,136 |
| Progressive | $957 | $960 |
| State Farm | $1,050 | $1,050 |
| USAA | $959 | $962 |
Cheapest Salem, VA Car Insurance Rates After a DUI
A DUI in Salem, VA increases car insurance rates. Compare Salem, Virginia DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,407 |
| Geico | $2,856 |
| Nationwide | $2,253 |
| Progressive | $2,137 |
| State Farm | $1,908 |
| USAA | $2,277 |
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Cheapest Salem, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Salem, VA 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 | $3,013 | $3,203 |
| Geico | $1,882 | $1,953 |
| Nationwide | $1,777 | $1,777 |
| Progressive | $2,096 | $2,096 |
| State Farm | $1,861 | $1,954 |
| USAA | $1,649 | $1,775 |
The Best Cheap Car Insurance Companies in Salem, VA
Take a look at a side-by-side comparison of the top car insurance companies in Salem, VA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,108 |
| Geico | $1,918 |
| Nationwide | $1,777 |
| Progressive | $2,096 |
| State Farm | $1,908 |
| USAA | $1,712 |
Category Winners: Cheapest Car Insurance in Salem, Virginia
Find the cheapest car insurance companies in Salem, VA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Cheapest Salem, VA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Salem car insurance rates. Find the cheapest Salem, VA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,014 | $3,109 | $3,201 |
| Geico | $1,840 | $1,916 | $1,997 |
| Nationwide | $1,857 | $1,761 | $1,714 |
| Progressive | $2,005 | $2,074 | $2,209 |
| State Farm | $1,791 | $1,904 | $2,028 |
| USAA | $1,650 | $1,715 | $1,772 |
What affects car insurance rates in Salem, Virginia?
What factors can have an impact on Salem, VA car insurance? 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, Virginia.
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, VA is 21.0 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, VA traffic data from INRIX ranks Salem as the 737th-most congested in the world.
Compare Car Insurance Quotes in Salem, VA
Ready to find affordable Salem, Virginia car insurance today? Enter your ZIP code for fast, free Salem, VA car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Salem, VA?
The average car insurance rate in Salem, VA is $174 per month.
What are the car insurance requirements in Salem, Virginia?
The car insurance requirements in Salem, VA are 25/50/20, which means you need to have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, it’s likely that your lender will require you to have full coverage insurance, which includes comprehensive and collision coverage in addition to the liability coverage required by the state.
How does age, gender, and marital status affect car insurance rates in Salem, VA?
Age, gender, and marital status can affect car insurance rates differently depending on the insurance company. It’s best to compare rates from different insurers to see how they consider these factors. Rates may vary based on individual circumstances.
What are the minimum car insurance coverage limits required in Salem, Virginia?
The minimum car insurance coverage limits required in Salem, VA are $25,000 per person for bodily injury liability coverage, $50,000 per accident for bodily injury liability coverage, and $20,000 for property damage liability coverage.
How does credit score impact car insurance rates in Salem, VA?
Your credit score can affect car insurance costs in Salem, VA. Generally, individuals with better credit scores may qualify for lower insurance rates. It’s recommended to compare rates from different insurers to find the best options for your credit score range.
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