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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 19, 2021

Advertiser Disclosure

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.

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.

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State