Cheap Car Insurance in Salem, Ohio
Everything You Need to Know About Auto Insurance in Salem
Although Salem, Ohio, is not as infamous as another city named Salem, it still carries historical impact of another – and more positive – type. Salem, Ohio, was a major stop in the American Underground Railroad, the path that led many slaves from the south to freedom in the north. The Ohio American Anti-Slavery Society was headquartered here during those turbulent times and so it is not surprising to learn Salem was founded by the Quakers in 1806. In the 1850s, Salem continued carrying on with these reformation efforts, hosting the first Women’s Rights Convention in the state.
Later, Salem gained some fame as the place where radio DJ Alan Freed grew up. Freed is crediting with coming up with the phrase “rock & roll” while at a station in Cleveland.
Salem has a smaller population (11,000) and is considered a commuter city, but it is a great place to raise a family in a beautiful setting. It is located close enough to larger cities like Pittsburgh and Cleveland and has its own medical center and a couple of places of higher education, including a branch of Ohio State University. For those who live and travel here, having affordable car insurance in Ohio is important to stay safe and protected when behind the wheel.
How Much Does Car Insurance Cost in Salem
Salem residents pay on average $24 monthly for the state minimum liability and $84 on average for increased limits of $100K/$300K/$100K. Ohioans overall pay less than the national average with $129 for full coverage and $35.50 for minimum. The nation’s average is $204 for full insurance and $56.50 for a minimum plan.
What Does Full Vs Minimum Mean?
Full coverage car insurance is a term used to describe a combination of required liability with the added protection of collision coverage and comprehensive insurance. Those with financed or leased vehicles will probably be required to carry full coverage. The nice thing about full is it protects you financially, even when you are at fault for an accident or when something happens outside of your control, such as your vehicle being stolen.
Minimum is cheaper, but it carries less protection. It consists of bodily injury liability and property damage liability and is intended to help pay for damage when you are at fault for an accident. It does not pay for your own damages.
Many drivers choose to customize their coverage. For example, you can raise the limits of your required liability, carry only collision, and/or add additional products, such as uninsured motorist coverage.
Getting a Free Auto Insurance quote with Freeway is easy!
Affordable Car Insurance Rates Comparison by Cities in Ohio
Ohio has low rates overall compared to other states and residents of Salem pay, on average, even lower. This is due to fewer accidents and claims being filed, as well as a healthy competitive market for agencies. Here are the rates for a few other Ohio cities for comparison.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Salem | $84 | $24 |
| Columbus | $105 | $45 |
| Zanesville | $89 | $23 |
| Cleveland | $106 | $40 |
| Toledo | $120 | $46 |
Affordable Car Policy Rates in Salem by Zip Code
Your zip code is one of the factors insurers use to set your premium. Those who live in zip codes that see an increased risk of accidents and vehicle crime will pay more than those who live in smaller communities where accidents and crime are more rare. Salem only has one official zip code, so, at least in the factor, everybody is the same.
Low-Cost Car Insurance Rates by Age
There’s no getting around the fact that car insurance for new drivers is expensive. That’s because new drivers – and young drivers – tend to file more claims. There are steps you can take to find cheap car insurance for teens in Salem. Keep in mind rates will drop for this group as they age and keep their driving record clean. Before handing over the keys to your teen driver, make sure they understand the connection between their driving record and their rates in the future.
Here’s what you can expect to pay on average each month based on your age group in Salem:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $367 | $124 |
| 20s | $115 | $33 |
| 30s | $84 | $24 |
| 40s | $75 | $22 |
| 50s | $71 | $21 |
| 60s | $72 | $23 |
| 70s | $88 | $29 |
* Methodology: We used the following demographic to determine the average monthly premiums for Salem residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Salem
How Many Fatal Accidents Happen in Salem, OH?
Salem is a safe city for drivers on the whole. There were no fatal accidents in the years 2022, 2021 and 2020. However, Salem is located in Columbiana County, which reported 12 fatal crashes in 2022, 14 in 2021 and 6 in 2020. Of the 1,622 crashes reported in Columbiana County in 2022, 81 were alcohol-related, 196 were deer-related, 48 involved motorcycles, 184 were speed related and a whopping 218 involved teen drivers.
How Are the Road Infrastructure and Bridges in Salem, OH?
The City of Salem maintains the city’s roads, responsible for snow removal, deicing, ditch maintenance, resurfacing, and more. The Columbiana County Highway Department maintains county roads and bridges, including snow and ice removal, traffic signals, and summer chip and seal programs. Many historic bridges in the area have maintenance shared among various departments.
Minimum Car Insurance Requirements in Ohio
Ohio drivers must maintain at least these amounts in car insurance:
- $25,000/$50,000 for bodily injury liability (one person/two or more persons)
- $25,000 for property damage liability
Since Ohio is an at-fault state, drivers who are responsible for accidents must pay for the injuries and repairs of the other parties involved. Your insurance will pay at least the above amounts in a covered claim. You can increase the minimum amounts, which many drivers do, since anything over these policy limits will come out of your pocket.
Likewise, with only the minimum coverage, you will also have to pay for any repairs to your own vehicle.
What Are the Penalties for Driving Without Insurance in Ohio?
It can be an expensive proposition if you are caught driving without insurance in Ohio. One thing you need to know about is an FR-22 (or SR-22) certificate of financial responsibility. In many cases, the state of Ohio will require you to find FR-22 insurance after a conviction for driving without insurance. Drivers with an FR-22 requirement will need to find high-risk car insurance, which is usually double (and even triple) the cost of insurance without an FR-22.
If you continue to rack up these charges, you can lose your license and even have your vehicle confiscated and sold.
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Factors Allowed in Salem Car Coverage Rates
Insurers like to understand what type of gamble they are taking by offering you insurance. The factors they look at differ for each person and this is why car insurance quotes in Ohio are usually not the same. Running all of your individual characteristics through their algorithms will help them determine the risk you pose.
Of course, your driving history is a big one. The best rates are reserved for those who have been driving for a while and who have shown they can do it without getting into accidents, receiving citations, or filing claims. This is one reason young drivers have such large premiums—there is no history, so carriers are taking a bigger risk.
Besides your driving history, other factors include:
- Your zip code (how many claims come from that area?)
- The vehicle (is it more expensive to repair or do thieves find it attractive?)
- How many miles (the more miles, the better chance of an accident)
- Gender (males tend to file more claims than women)
Since you cannot change your age or gender, your best bet is always to drive safely.
Auto Insurance for Young Drivers vs Older People in Salem, Ohio
Young drivers will always pay more for their car insurance than someone who is in their 30s, 40s, and 50s. There are many reasons for this, including most people in these older age groups tend to be somewhat settled, more responsible and less likely to drive recklessly and file claims. At least that’s what the insurance companies are betting on.
Younger drivers tend to be a little more reckless, less mature and, as a collective group, file more claims than any other age group. Since there is no driving history to look at, most insurers charge a lot in order to hedge their bets against this group of drivers.
There are some things you can do to help ease the pain of buying insurance for new and young drivers. Want to find out if cheap car insurance exists for young drivers? Here are some tips.
- Put your new driver on your policy (if you have a good record). This will always be cheaper than getting them their own policy.
- Put them in a reliable, safe vehicle. Check the National Highway Traffic Safety Administration website to find out what qualifies.
- Take advantage of discounts. There is even one for young drivers called the Good Student discount. It rewards full-time students who maintain a certain GPA.
Remember, as they age, their rates will drop – if they keep a clean record!
What Are the Best Discounts for Car Coverage?
Speaking of discounts – all insurance companies offer them. It’s just a matter of finding out which ones you qualify for and then using the ones that give you the most bang for your buck. Most insurers will limit you to two or maybe three, so keep reading to find out which ones are the best.
Leading the pack are two power hitters: the good driver discount and the bundling or multi-policy discount. Make sure to ask your insurance agent which discounts you can have and talk to them if your circumstances change, in case you qualify for new and better ones.
Here are a few available discounts and what they are worth:
Good or safe driver (10-30%)
Bundled policies (15-25%)
Low-mileage (5%)
Anti-theft equipment (2%)
Affiliation (15-25% available through memberships, school, etc)
Customer loyalty (11%)
Get an Online Quote for Car Insurance in Salem, OH Today!
Although Salem roads are safer than most, you still need car insurance to protect your finances. At Freeway, we do the shopping for you. We’ll research your options and give you several great options with top-rated carriers to choose from.
You can get a free quick online quote, stop by a conveniently-located office, or call us at 800-777-5620.