Best Car Insurance in Keizer 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Keizer.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
March 21, 2021Dodge Caliber9730351Progressive$102/mo.$65/mo.
August 30, 2021Volvo V709730323Bristol West$134/mo.$70/mo.
March 19, 2021Dodge Ram 1500 ST9730340Bristol West$213/mo.$74/mo.
July 21, 2021Dodge Journey SE9730342Dairyland$229/mo.$167/mo.
Here’s more information about what impacts the insurance rates in your Keizer.

How much does car insurance cost in Keizer?

Car insurance in Keizer, Oregon costs single-car drivers an average of $3,568 per year, about $297 per month. Compared to Oregon’s average of $2,872, car insurance costs in Keizer are $696 higher higher.
With a population of just over 36,000 residents, Keizer is a suburb of the greater Salem metropolitan area—Oregon’s state capital, which is nestled in the lush Willamette Valley. Keizer is known for its beauty, high quality of life standards, and, of course, for KeizerFEST, an annual spring event showcasing the area’s top-notch Iris industry. But due to the busy I-5 passing through the Salem area, and the area’s penchant for flooding and wildfires, buying a robust car insurance policy in Keizer can cost more than it should.
However, that doesn’t mean it has to—with Jerry, you’ll be able to find a quality car insurance policy at an affordable rate! Jerry is a car super app that compares more than 50 competitive quotes from the country’s best insurers. Once you pick a new policy, Jerry will sign you up and cancel your old policy for you. No forms, no phone calls, and no hassles!
To learn everything you need to know about buying car insurance in Keizer, keep reading!
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Keizer$2,706$1,378--$2,556$996
National Average$3,223$2,143$3,086$1,764$3,423$2,486
KeizerNational Average
All Coverage Before Jerry
$2,706$3,223
All Coverage After Jerry
$1,378$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
$2,556$3,423
Full Coverage After Jerry
$996$2,486
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Choosing a carrier in Keizer

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance in Keizer isn’t cheap, so searching for a great policy with Jerry gives you the best chance at landing car insurance at a great price.
In the Keizer area, Progressive, State Farm, AllState, Travelers, and Nationwide are all popular choices for car insurance. Of course, the best option for you will depend on several factors, including your driving history, your demographics, and any discount eligibility, amongst other factors.
Insurance Company
Average Cost
Annual Savings with Jerry
National General$1,608$347Compare Prices
Kemper$1,608$306Compare Prices
Progressive$1,608$156Compare Prices
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What kind of car insurance you need in Keizer

In Keizer, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Oregon requires drivers to buy car insurance that at least meets its minimum liability requirements. Those liability requirements are:
As well, you’ll need to purchase personal injury protection, even though Oregon is a no-fault state.
You must be able to prove you carry insurance in Oregon, in case you are pulled over by law enforcement. As well, you’ll need insurance in order to register a vehicle in The Beaver State.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While buying a minimum amount of liability insurance is required in Oregon, buying more than the required amount of coverage is highly recommended. If you’re involved in an at-fault collision, your liability coverage will cover the other driver’s damages, but it won’t cover damage to your own vehicle.
Here are some extra coverage options that should serve drivers in Keizer well.
FactorRecommended coverageDescription
TrafficCollision insuranceAs part of Oregon’s busy capital region, you’re going to deal with traffic in Keizer. That’s why collision insurance is always a good choice—it will cover damage to your vehicle in case you are involved in a collision with another vehicle or fixed object.
Many uninsured driversUninsured/underinsured motorist coverageMore than 13% of Oregon drivers are uninsured. If you’re involved in an accident with an uninsured or underinsured driver, this will cover your property damage, medical bills, and more.
Wildfires and floodingComprehensive insuranceOregon is prone to both flooding and wildfires, and Keizer is not exempt from dealing with these issues. Comprehensive coverage pays for damage to your vehicle that isn’t the result of an accident, such as from natural disasters as well as from vandalism, theft, or animal damage.
Rough terrainRoadside assistanceIf you’re driving on some of Oregon’s many rural roads and end up needing help, this coverage will provide towing, tire changes, winching, battery jumpstarts, and more.

What determines your car insurance cost in Keizer

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Keizer, you could be paying as much as $163 more per month than an adult driver. These are average rates for Jerry customers in Keizer broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$1,608$518
25-34$4,716$3,202
35-44$2,329$543
45-54$1,224$426
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Keizer with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,844$524
Driving on Sus. License$4,716$3,202
Other$4,716$3,202
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Where in Keizer you live

It may seem like insurance rates in Keizer should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Keizer, residents of -- will have the most expensive car insurance rates, while people who live in 97303 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Keizer:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
March 21, 202197303Dodge CaliberOR51Progressive$102/mo.$53/mo.
August 30, 202197303Volvo V70OR23Bristol West$134/mo.$70/mo.
March 19, 202197303Dodge Ram 1500 STOR40Bristol West$213/mo.$74/mo.
July 21, 202197303Dodge Journey SEOR42Dairyland$229/mo.$167/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Keizer so expensive?

A variety of considerations determine baseline car insurance rates in Keizer. Insurance companies often consider the following:
A few factors contribute to car insurance rates in Keizer being higher than the state average, including heavy traffic in the Salem area and the threat natural disasters pose to the area.

Heavy traffic

As part of Oregon’s busy capital region, Keizer sees its fair share of traffic, especially with I-5 running through the area. Heavy traffic is a big contributor to higher rates, as the more cars on the road and the more time you spend in your car, the higher the risk is for accidents to occur. With the region growing, it’s no surprise that traffic increases—insurance rates creep up in tandem to mitigate the increased risk from more cars on the road.

Natural disasters

The Willamette Valley may be beautiful, but the cold wind and rain during the colder months pose a significant risk of flooding in Salem, Keizer, and the surrounding area. As well, during the warmer months, wildfires pose a significant threat to both people and property in the area.
Both flooding and wildfires threaten property, which includes vehicles. Insurers know this, so they raise rates in areas such as Keizer, which is prone to these types of events. Raising rates protect carriers against the added risk of insuring vehicles and property in the region.

How can you save money on car insurance in Keizer?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

When the possibility exists of paying higher insurance rates for reasons out of your control, discounts are a great way to take some of your power back to lower your insurance premiums. Most carriers provide a variety of discounts, so be sure to ask which discounts you are eligible for.
DiscountDescription
Multi-policyBundling together several insurance coverages with one provider (such as home and auto) could get you a discounted rate on each type of coverage.
Defensive drivingTaking a state-approved defensive driving course lowers your driving risk and can lead to discounted rates.
Good studentStudents under 25 who maintain a B average at the least can usually get discounts on their car insurance policy.
Accident-freeIf you stay free of collisions for 3 to 5 years, you’re likely eligible for a discount on your policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
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