Compare Salinas, CA Car Insurance Rates (2021)

The cheapest Salinas, CA car insurance is offered by GEICO, but rates will be different for every driver. However, low-income Salinas drivers may qualify for the California Low-Cost Auto program if they meet certain criteria. Salinas, CA auto insurance must meet the state minimum requirements of 15/30/5 in liability coverage, but drivers should consider additional coverages to be fully insured.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 24, 2021

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Here's what you need to know...

  • GEICO has the cheapest car insurance rates on average in Salinas, CA
  • Salinas car insurance is more expensive than the national average
  • Low-income drivers may qualify for the California Low-Cost Auto program if they meet certain requirements

Although Salinas, CA car insurance is more expensive than the national average, it is cheaper than the average California car insurance rates.

Finding affordable Salinas, CA car insurance is easy if you shop around. Compare quotes from multiple companies to see who can offer you cheap car insurance that meets your coverage needs.

Monthly Salinas, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Salinas, CA auto insurance rates by ZIP Code below:

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Salinas, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Salinas, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Salinas, CA car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Salinas, CA?

The cheapest car insurance company on average in Salinas is GEICO, but rates will vary by driver.

Which Salinas, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

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The top Salinas, CA car insurance companies listed from least to most expensive are:

  • GEICO – $2,557.28
  • USAA – $2,595.91
  • Progressive – $2,713.75
  • Liberty Mutual – $2,809.47
  • Travelers – $3,014.44
  • State Farm – $3,905.85
  • Allstate – $4,112.74
  • Farmers – $4,145.31
  • Nationwide – $4,181.87

Many factors influence your auto insurance rates, including your age and driving record. California is one of the few states that does not allow insurance companies to use your gender when calculating your rates.

Where you live and the size of the city also affects your car insurance rates. For example, although the cities are near each other, San Francisco car insurance rates are much higher than rates in Salinas.

Also, low-cost car insurance is available in California for low-income drivers. For drivers who meet such conditions, the California Low-Cost Auto (CLCA) program provides very low coverage.

Salinas, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Salinas car insurance rates. Find the cheapest Salinas, CA car insurance rates by coverage level below:

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Your driving record will play a major role in your Salinas car insurance rates. For example, other factors aside, a Salinas, CA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Salinas, CA car insurance rates by driving record.

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Factors affecting car insurance rates in Salinas, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Salinas, California car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Salinas, CA.

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What car insurance coverage is required in Salinas, CA?

Most states, including California, require drivers to carry at least a minimum amount of car insurance. Drivers in Salinas must carry:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in the payment of damages incurred as a result of an accident. Damages not caused by an accident, such as those caused by Salinas, CA weather, are protected by comprehensive insurance.

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What affects car insurance rates in Salinas, CA?

Since more vehicles on the road equal a higher risk of an accident, traffic can also impact your auto insurance rates.

Although INRIX doesn’t have data for Salinas, it does rank nearby Monterey, CA as the 72nd-most congested city in the U.S.

City-Data reports that most drivers in Salinas have about a 25-minute commute, and most drivers commute alone.

Theft can also cause your car insurance rates to increase. According to the FBI, there were 1,242 motor vehicle thefts in Salinas in one year.

Salinas, CA Car Insurance: The Bottom Line

Salinas car insurance is more expensive than the national average, but low-income drivers may be able to take advantage of the CLCA program if they meet certain requirements.

Shop around to find the best deal before you buy Salinas, CA car insurance. Each company will charge a different rate so compare quotes from multiple companies for the best deal.

Enter your ZIP code to compare Salinas, CA car insurance rates from companies near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Salinas, CA Car Insurance Rates by ZIP Code
Salinas, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Salinas, CA Car Insurance Rates by Company vs. City Average
Salinas, CA Car Insurance Rates by Company and Age
The Cheapest Salinas, CA Car Insurance Rates by Coverage Level
The Cheapest Salinas, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Salinas, CA
Average Monthly Car Insurance Rates by Age & Gender in Salinas, CA
Monthly Salinas, CA Car Insurance Rates by ZIP Code
Salinas, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Salinas, CA Car Insurance Rates by Company vs. City Average
Salinas, CA Car Insurance Rates by Company and Age
The Cheapest Salinas, CA Car Insurance Rates by Coverage Level
The Cheapest Salinas, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Salinas, CA
Average Monthly Car Insurance Rates by Age & Gender in Salinas, CA