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The top insurance provider may vary across individuals. For instance, National General offers the cheapest full coverage insurance in Salinas and is the least expensive for those with violations and military drivers. State Farm is the most affordable for families with teens. Chubb scored the highest for service quality, while GEICO is the cheapest option and MoneyGeek’s best overall pick.

MoneyGeek Logo IconCheapest + BestCar InsuranceSalinas
2023

Cheapest and Best Car Insurance in Salinas, CA

Cheapest Minimum Liability Car Insurance in Salinas

The following companies in Salinas provide the lowest minimum coverage vehicle insurance rates:

  • GEICO: $330 per year
  • CSAA: $374 per year

At an annual cost of $686 as of October 2022, Chubb's minimum insurance premium is the most expensive in Salinas.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$330

$28

State Farm

$369

$31

CSAA

$374

$31

CSAA

$381

$32

Progressive

$386

$32

GEICO

$388

$32

Progressive

$389

$32

CSAA

$409

$34

Mercury

$413

$34

Mercury

$423

$35

Kemper

$440

$37

Progressive

$454

$38

Travelers

$467

$39

Travelers

$467

$39

National General

$482

$40

State Farm

$487

$41

National General

$496

$41

Nationwide

$503

$42

Kemper

$507

$42

State National

$513

$43

Mercury

$514

$43

Nationwide

$521

$43

State National

$528

$44

Travelers

$529

$44

Hartford

$536

$45

Allstate

$540

$45

Allstate

$545

$45

State Farm

$556

$46

Farmers

$572

$48

Capital Insurance Group

$582

$49

Allstate

$584

$49

Farmers

$591

$49

National General

$592

$49

Capital Insurance Group

$603

$50

Hartford

$611

$51

State National

$622

$52

Nationwide

$657

$55

Kemper

$669

$56

Farmers

$670

$56

Capital Insurance Group

$675

$56

Chubb

$686

$57

Chubb

$708

$59

National General

$757

$63

National General

$769

$64

Hartford

$786

$65

GEICO

$913

$76

Progressive

$913

$76

National General

$919

$77

Progressive

$923

$77

State Farm

$934

$78

GEICO

$947

$79

Chubb

$977

$81

Allstate

$1,027

$86

CSAA

$1,042

$87

CSAA

$1,044

$87

GEICO

$1,089

$91

Allstate

$1,093

$91

Mercury

$1,095

$91

Progressive

$1,103

$92

Nationwide

$1,123

$94

Mercury

$1,127

$94

CSAA

$1,155

$96

Hartford

$1,169

$97

State National

$1,175

$98

State Farm

$1,196

$100

Allstate

$1,209

$101

Nationwide

$1,220

$102

Kemper

$1,232

$103

Capital Insurance Group

$1,245

$104

State National

$1,269

$106

Travelers

$1,285

$107

Capital Insurance Group

$1,323

$110

Hartford

$1,339

$112

Travelers

$1,353

$113

State Farm

$1,398

$117

Farmers

$1,447

$121

Mercury

$1,464

$122

Farmers

$1,479

$123

Capital Insurance Group

$1,490

$124

Kemper

$1,517

$126

State National

$1,563

$130

Nationwide

$1,579

$132

Travelers

$1,601

$133

Chubb

$1,686

$141

Hartford

$1,720

$143

Chubb

$1,741

$145

Farmers

$1,753

$146

Kemper

$1,825

$152

Chubb

$2,480

$207

Car insurance policies in California must satisfy the following minimum requirements:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you cause an accident and have bodily injury liability insurance, your insurer will pay for the injured parties' medical expenses up to that amount. In this case, it is up to $15,000 per person involved and $30,000 per accident if you are at fault. If the total cost exceeds $30,000, the remaining balance is your responsibility.

Cheapest Full Coverage Car Insurance in Salinas

The following companies in Salinas provide full coverage auto insurance at the lowest prices:

  • National General: $757 per year
  • Progressive: $923 per year

At an average yearly cost of $1,686 as of October 2022, Chubb’s full coverage insurance is the most expensive in Salinas.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$330

$28

State Farm

$369

$31

CSAA

$374

$31

CSAA

$381

$32

Progressive

$386

$32

GEICO

$388

$32

Progressive

$389

$32

CSAA

$409

$34

Mercury

$413

$34

Mercury

$423

$35

Kemper

$440

$37

Progressive

$454

$38

Travelers

$467

$39

Travelers

$467

$39

National General

$482

$40

State Farm

$487

$41

National General

$496

$41

Nationwide

$503

$42

Kemper

$507

$42

State National

$513

$43

Mercury

$514

$43

Nationwide

$521

$43

State National

$528

$44

Travelers

$529

$44

Hartford

$536

$45

Allstate

$540

$45

Allstate

$545

$45

State Farm

$556

$46

Farmers

$572

$48

Capital Insurance Group

$582

$49

Allstate

$584

$49

Farmers

$591

$49

National General

$592

$49

Capital Insurance Group

$603

$50

Hartford

$611

$51

State National

$622

$52

Nationwide

$657

$55

Kemper

$669

$56

Farmers

$670

$56

Capital Insurance Group

$675

$56

Chubb

$686

$57

Chubb

$708

$59

National General

$757

$63

National General

$769

$64

Hartford

$786

$65

GEICO

$913

$76

Progressive

$913

$76

National General

$919

$77

Progressive

$923

$77

State Farm

$934

$78

GEICO

$947

$79

Chubb

$977

$81

Allstate

$1,027

$86

CSAA

$1,042

$87

CSAA

$1,044

$87

GEICO

$1,089

$91

Allstate

$1,093

$91

Mercury

$1,095

$91

Progressive

$1,103

$92

Nationwide

$1,123

$94

Mercury

$1,127

$94

CSAA

$1,155

$96

Hartford

$1,169

$97

State National

$1,175

$98

State Farm

$1,196

$100

Allstate

$1,209

$101

Nationwide

$1,220

$102

Kemper

$1,232

$103

Capital Insurance Group

$1,245

$104

State National

$1,269

$106

Travelers

$1,285

$107

Capital Insurance Group

$1,323

$110

Hartford

$1,339

$112

Travelers

$1,353

$113

State Farm

$1,398

$117

Farmers

$1,447

$121

Mercury

$1,464

$122

Farmers

$1,479

$123

Capital Insurance Group

$1,490

$124

Kemper

$1,517

$126

State National

$1,563

$130

Nationwide

$1,579

$132

Travelers

$1,601

$133

Chubb

$1,686

$141

Hartford

$1,720

$143

Chubb

$1,741

$145

Farmers

$1,753

$146

Kemper

$1,825

$152

Chubb

$2,480

$207

A full coverage insurance policy comes with collision and comprehensive coverage for added protection.

  • Collision Insurance: Covers the cost of fixing damage to your car due to an accident with another vehicle or object.
  • Comprehensive Insurance: Covers the cost to replace or repair your car due to theft, vandalism, flooding, fire and other non-collision damages.

Buying comprehensive insurance is a sound financial decision for those with new cars. However, if you have an older car, the cost of full coverage insurance could be higher than the car’s value.

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Cheapest Car Insurance in Salinas After a Driving Offense

National General offers the most affordable full coverage auto insurance in Salinas if you have a driving violation.

  • Speeding ticket: National General ($795 per year)
  • At-fault accident: National General ($1,121 per year)
  • DUI: National General ($795 per year)

Chubb is the most expensive after an accident ($2,713 per year) and after a speeding ticket ($2,209 per year), while Hartford has the highest yearly premiums after a DUI ($4,822). Even the cheapest insurance will cost more for drivers with violations than those with clean records.

Company
Annual Premium
Monthly Premium

CSAA

$463

$39

CSAA

$463

$39

CSAA

$471

$39

CSAA

$471

$39

GEICO

$496

$41

GEICO

$502

$42

CSAA

$507

$42

CSAA

$507

$42

National General

$508

$42

National General

$508

$42

National General

$524

$44

National General

$524

$44

Mercury

$528

$44

Mercury

$541

$45

State Farm

$559

$47

Kemper

$584

$49

State Farm

$584

$49

GEICO

$587

$49

GEICO

$590

$49

GEICO

$594

$49

National General

$625

$52

National General

$625

$52

Capital Insurance Group

$643

$54

Mercury

$662

$55

Mercury

$662

$55

Capital Insurance Group

$666

$56

Kemper

$674

$56

Capital Insurance Group

$675

$56

Mercury

$678

$57

Progressive

$680

$57

Progressive

$687

$57

GEICO

$697

$58

Capital Insurance Group

$702

$59

Travelers

$707

$59

Travelers

$707

$59

National General

$720

$60

State National

$723

$60

State National

$723

$60

Mercury

$734

$61

State Farm

$739

$62

Allstate

$741

$62

National General

$743

$62

State National

$744

$62

State National

$744

$62

Progressive

$745

$62

Capital Insurance Group

$747

$62

Allstate

$748

$62

Progressive

$753

$63

Mercury

$753

$63

Hartford

$763

$64

Hartford

$763

$64

State Farm

$772

$64

Nationwide

$775

$65

GEICO

$776

$65

Farmers

$779

$65

Farmers

$779

$65

Travelers

$783

$65

GEICO

$784

$65

Travelers

$785

$65

Capital Insurance Group

$787

$66

National General

$795

$66

National General

$795

$66

Farmers

$802

$67

Farmers

$802

$67

Nationwide

$805

$67

Progressive

$806

$67

Allstate

$807

$67

National General

$808

$67

National General

$808

$67

Progressive

$810

$67

Travelers

$810

$68

Progressive

$817

$68

Mercury

$829

$69

State Farm

$844

$70

Allstate

$849

$71

Allstate

$856

$71

Nationwide

$861

$72

Chubb

$879

$73

State National

$881

$73

State National

$881

$73

State Farm

$882

$73

Hartford

$882

$74

Hartford

$882

$74

Progressive

$890

$74

National General

$890

$74

Kemper

$890

$74

Nationwide

$895

$75

Travelers

$898

$75

Chubb

$899

$75

Farmers

$911

$76

Farmers

$911

$76

Mercury

$922

$77

GEICO

$922

$77

Allstate

$927

$77

Travelers

$941

$78

Travelers

$942

$79

National General

$964

$80

National General

$964

$80

Progressive

$965

$80

Farmers

$973

$81

Kemper

$995

$83

Kemper

$995

$83

Farmers

$1,002

$83

Capital Insurance Group

$1,007

$84

Nationwide

$1,018

$85

Capital Insurance Group

$1,046

$87

Chubb

$1,063

$89

Chubb

$1,084

$90

Travelers

$1,087

$91

National General

$1,121

$93

Nationwide

$1,134

$94

Farmers

$1,138

$95

National General

$1,140

$95

State Farm

$1,152

$96

Hartford

$1,162

$97

Hartford

$1,162

$97

Chubb

$1,168

$97

Capital Insurance Group

$1,174

$98

Kemper

$1,207

$101

Kemper

$1,207

$101

CSAA

$1,267

$106

CSAA

$1,293

$108

State National

$1,299

$108

CSAA

$1,314

$110

CSAA

$1,314

$110

CSAA

$1,317

$110

CSAA

$1,317

$110

State National

$1,339

$112

Chubb

$1,354

$113

GEICO

$1,364

$114

National General

$1,364

$114

Nationwide

$1,366

$114

Chubb

$1,373

$114

State Farm

$1,381

$115

Chubb

$1,393

$116

CSAA

$1,394

$116

GEICO

$1,415

$118

Nationwide

$1,420

$118

Capital Insurance Group

$1,425

$119

Mercury

$1,444

$120

State Farm

$1,447

$121

CSAA

$1,457

$121

CSAA

$1,457

$121

Capital Insurance Group

$1,466

$122

Allstate

$1,485

$124

Mercury

$1,489

$124

Allstate

$1,506

$125

Capital Insurance Group

$1,517

$126

GEICO

$1,519

$127

Kemper

$1,521

$127

Kemper

$1,521

$127

Allstate

$1,521

$127

State Farm

$1,523

$127

Capital Insurance Group

$1,560

$130

GEICO

$1,571

$131

Allstate

$1,586

$132

State National

$1,596

$133

GEICO

$1,627

$136

Kemper

$1,631

$136

Allstate

$1,651

$138

Chubb

$1,663

$139

State National

$1,666

$139

State National

$1,666

$139

Progressive

$1,710

$142

Capital Insurance Group

$1,710

$143

Progressive

$1,725

$144

Nationwide

$1,736

$145

Hartford

$1,738

$145

Hartford

$1,738

$145

State Farm

$1,738

$145

Capital Insurance Group

$1,757

$146

Allstate

$1,762

$147

State Farm

$1,770

$147

State National

$1,799

$150

State National

$1,799

$150

Hartford

$1,803

$150

Nationwide

$1,805

$150

Mercury

$1,806

$151

GEICO

$1,810

$151

Progressive

$1,852

$154

State Farm

$1,853

$154

Allstate

$1,853

$154

Mercury

$1,861

$155

Progressive

$1,866

$156

Nationwide

$1,888

$157

Mercury

$1,920

$160

Travelers

$1,921

$160

Nationwide

$1,932

$161

Mercury

$1,939

$162

Mercury

$1,970

$164

Allstate

$1,989

$166

Farmers

$1,996

$166

Farmers

$1,996

$166

Hartford

$2,000

$167

Hartford

$2,000

$167

Kemper

$2,012

$168

Travelers

$2,018

$168

Farmers

$2,042

$170

Farmers

$2,042

$170

State Farm

$2,069

$172

Progressive

$2,075

$173

Nationwide

$2,102

$175

Progressive

$2,109

$176

Hartford

$2,122

$177

Progressive

$2,123

$177

Travelers

$2,129

$177

GEICO

$2,147

$179

State Farm

$2,166

$180

Chubb

$2,209

$184

Allstate

$2,218

$185

State National

$2,220

$185

State National

$2,220

$185

GEICO

$2,226

$186

Capital Insurance Group

$2,228

$186

Travelers

$2,231

$186

Progressive

$2,248

$187

Chubb

$2,264

$189

Capital Insurance Group

$2,371

$198

Travelers

$2,415

$201

Farmers

$2,419

$202

Farmers

$2,419

$202

Kemper

$2,422

$202

Mercury

$2,426

$202

Nationwide

$2,453

$204

Farmers

$2,494

$208

Farmers

$2,551

$213

Progressive

$2,561

$213

GEICO

$2,562

$214

Mercury

$2,565

$214

Hartford

$2,594

$216

Hartford

$2,594

$216

Travelers

$2,664

$222

Travelers

$2,674

$223

Capital Insurance Group

$2,675

$223

Kemper

$2,694

$225

Kemper

$2,694

$225

Chubb

$2,713

$226

Nationwide

$2,738

$228

Chubb

$2,766

$230

Travelers

$2,808

$234

State Farm

$2,863

$239

Hartford

$2,879

$240

Chubb

$3,001

$250

Farmers

$3,023

$252

Nationwide

$3,066

$256

State National

$3,098

$258

Allstate

$3,229

$269

Nationwide

$3,342

$278

State National

$3,354

$279

Travelers

$3,382

$282

Kemper

$3,409

$284

Kemper

$3,409

$284

Allstate

$3,465

$289

Chubb

$3,502

$292

Chubb

$3,551

$296

Chubb

$3,603

$300

State Farm

$3,668

$306

CSAA

$3,696

$308

CSAA

$3,710

$309

Allstate

$3,864

$322

Kemper

$4,009

$334

Kemper

$4,009

$334

CSAA

$4,110

$342

Hartford

$4,150

$346

State National

$4,156

$346

State Farm

$4,287

$357

Chubb

$4,342

$362

Nationwide

$4,368

$364

Hartford

$4,822

$402

Hartford

$6,367

$531

The increase in your insurance premium will often depend on the violation’s seriousness. For instance, your premium could increase by as much as $495 per year after a speeding ticket in Salinas. However, a DUI can result in an average increase of $1,690 per year. MoneyGeek researched the most affordable car insurance options for those with a bad driving record to help you explore your options.

Cheapest Car Insurance in Salinas for Teens and Their Families

The following companies offer the lowest insurance rates for adding teens to a family auto policy:

  • State Farm: $2,695 per year for female and male teens
  • GEICO: $2,696 per year for female teens; Farmers: $2,711 per year for male teens

With yearly average rates of $4,479, Nationwide is the most expensive provider for teens in Salinas.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,191

$1,901

GEICO

$1,219

$1,946

GEICO

$1,221

$2,143

GEICO

$1,235

$2,045

GEICO

$1,249

$1,993

GEICO

$1,256

$2,203

GEICO

$1,273

$2,328

GEICO

$1,290

$2,263

Progressive

$1,378

$2,169

Progressive

$1,378

$2,169

GEICO

$1,414

$2,100

GEICO

$1,461

$2,398

Progressive

$1,492

$2,348

Progressive

$1,492

$2,348

Nationwide

$1,557

$3,221

Nationwide

$1,557

$3,221

Allstate

$1,559

$2,527

Allstate

$1,559

$2,527

Kemper

$1,590

$3,187

Kemper

$1,590

$3,187

Progressive

$1,597

$2,902

Progressive

$1,597

$2,902

Allstate

$1,632

$2,645

Allstate

$1,632

$2,645

Capital Insurance Group

$1,652

$2,118

Capital Insurance Group

$1,652

$2,118

Progressive

$1,672

$2,631

Progressive

$1,672

$2,631

Allstate

$1,673

$2,939

Allstate

$1,673

$2,939

Kemper

$1,679

$3,365

Kemper

$1,679

$3,365

Allstate

$1,690

$2,740

Allstate

$1,690

$2,740

Nationwide

$1,707

$3,531

Nationwide

$1,707

$3,531

Nationwide

$1,761

$4,039

Nationwide

$1,761

$4,039

Kemper

$1,767

$3,957

Kemper

$1,767

$3,957

Allstate

$1,794

$2,952

Allstate

$1,794

$2,952

GEICO

$1,820

$3,052

Kemper

$1,826

$3,660

Kemper

$1,826

$3,660

Nationwide

$1,830

$3,785

Nationwide

$1,830

$3,785

Farmers

$1,857

$2,650

Farmers

$1,857

$2,650

State Farm

$1,861

$2,726

State Farm

$1,861

$2,726

Capital Insurance Group

$1,881

$2,509

Capital Insurance Group

$1,881

$2,509

GEICO

$1,892

$3,520

State Farm

$1,936

$2,836

State Farm

$1,936

$2,836

Capital Insurance Group

$1,957

$2,509

Capital Insurance Group

$1,957

$2,509

Capital Insurance Group

$1,957

$2,509

Capital Insurance Group

$1,957

$2,509

Travelers

$1,960

$2,632

Travelers

$1,960

$2,632

State Farm

$1,969

$3,077

State Farm

$1,969

$3,077

Progressive

$1,980

$3,183

Progressive

$1,980

$3,183

State Farm

$1,980

$2,902

State Farm

$1,980

$2,902

GEICO

$1,991

$2,956

Travelers

$2,029

$2,724

Travelers

$2,029

$2,724

Kemper

$2,047

$4,195

Kemper

$2,047

$4,195

Allstate

$2,057

$3,763

Allstate

$2,057

$3,763

Nationwide

$2,062

$4,427

Nationwide

$2,062

$4,427

GEICO

$2,070

$3,398

Travelers

$2,070

$2,924

Travelers

$2,070

$2,924

Farmers

$2,079

$3,074

Farmers

$2,079

$3,074

Allstate

$2,091

$3,441

Allstate

$2,091

$3,441

State Farm

$2,110

$3,137

State Farm

$2,110

$3,137

Travelers

$2,114

$2,839

Travelers

$2,114

$2,839

Farmers

$2,153

$3,074

Farmers

$2,153

$3,074

Farmers

$2,153

$3,074

Farmers

$2,153

$3,074

Capital Insurance Group

$2,184

$2,822

Capital Insurance Group

$2,184

$2,822

Kemper

$2,217

$4,544

Kemper

$2,217

$4,544

Kemper

$2,236

$5,010

Kemper

$2,236

$5,010

State Farm

$2,240

$3,493

State Farm

$2,240

$3,493

State Farm

$2,260

$3,361

State Farm

$2,260

$3,361

Capital Insurance Group

$2,265

$2,822

Capital Insurance Group

$2,265

$2,822

Travelers

$2,310

$3,069

Travelers

$2,310

$3,069

Farmers

$2,326

$3,525

Farmers

$2,326

$3,525

Capital Insurance Group

$2,425

$3,133

Capital Insurance Group

$2,425

$3,133

Progressive

$2,468

$4,504

Progressive

$2,468

$4,504

State Farm

$2,489

$4,429

State Farm

$2,489

$4,429

Travelers

$2,506

$3,541

Travelers

$2,506

$3,541

Farmers

$2,514

$4,059

Farmers

$2,514

$4,059

GEICO

$2,515

$4,414

Farmers

$2,537

$3,845

Farmers

$2,537

$3,845

Nationwide

$2,541

$6,121

Nationwide

$2,541

$6,121

Travelers

$2,545

$3,382

Travelers

$2,545

$3,382

Progressive

$2,623

$4,217

Progressive

$2,623

$4,217

GEICO

$2,636

$5,130

State Farm

$2,639

$4,696

State Farm

$2,639

$4,696

Farmers

$2,646

$5,230

Farmers

$2,646

$5,230

State Farm

$2,695

$5,262

State Farm

$2,695

$5,262

GEICO

$2,696

$4,928

Nationwide

$2,710

$5,820

Nationwide

$2,710

$5,820

Farmers

$2,711

$5,470

Farmers

$2,711

$5,470

Farmers

$2,720

$5,376

Farmers

$2,720

$5,376

Allstate

$2,745

$5,410

Allstate

$2,745

$5,410

GEICO

$2,765

$4,853

GEICO

$2,842

$5,799

Allstate

$2,842

$5,699

Allstate

$2,842

$5,699

Progressive

$2,849

$5,726

Progressive

$2,849

$5,726

Progressive

$2,867

$5,777

Progressive

$2,867

$5,777

Progressive

$2,878

$5,786

Progressive

$2,878

$5,786

Allstate

$2,891

$5,699

Allstate

$2,891

$5,699

GEICO

$2,910

$5,664

Capital Insurance Group

$3,113

$3,877

Capital Insurance Group

$3,113

$3,877

Capital Insurance Group

$3,113

$3,877

Capital Insurance Group

$3,113

$3,877

Capital Insurance Group

$3,113

$3,877

Capital Insurance Group

$3,113

$3,877

Travelers

$3,350

$4,464

Travelers

$3,350

$4,464

Kemper

$3,374

$6,841

Kemper

$3,374

$6,841

Travelers

$3,500

$4,664

Travelers

$3,500

$4,664

Travelers

$3,507

$4,894

Travelers

$3,507

$4,894

Kemper

$3,696

$7,494

Kemper

$3,696

$7,494

Kemper

$3,730

$8,353

Kemper

$3,730

$8,353

Nationwide

$3,859

$8,275

Nationwide

$3,859

$8,275

Nationwide

$4,339

$9,304

Nationwide

$4,339

$9,304

Nationwide

$4,479

$11,229

Nationwide

$4,479

$11,229

Adding young drivers to a family policy is generally cheaper than purchasing an individual policy. Adding a male 16-year-old driver to a family policy in Salinas costs an average of $673 less than buying a separate policy. Always compare quotes to find the cheapest teen auto insurance providers.

Cheapest Car Insurance in Salinas for Military Drivers

The following companies in Salinas offer full coverage auto insurance for military personnel and their families at the most affordable prices:

  • National General: $757 per year
  • USAA: $864 per year

GEICO ($330 per year) and USAA ($359 per year) have the lowest minimum coverage premiums. MoneyGeek has also analyzed the cheapest military auto insurance companies to help you with your research.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$330

$28

USAA

$359

$30

USAA

$359

$30

State Farm

$369

$31

CSAA

$374

$31

CSAA

$381

$32

Progressive

$386

$32

GEICO

$388

$32

Progressive

$389

$32

CSAA

$409

$34

Mercury

$413

$34

Mercury

$423

$35

USAA

$433

$36

Kemper

$440

$37

Progressive

$454

$38

Travelers

$467

$39

Travelers

$467

$39

National General

$482

$40

State Farm

$487

$41

National General

$496

$41

Nationwide

$503

$42

Kemper

$507

$42

State National

$513

$43

Mercury

$514

$43

Nationwide

$521

$43

State National

$528

$44

Travelers

$529

$44

Hartford

$536

$45

Allstate

$540

$45

Allstate

$545

$45

State Farm

$556

$46

Farmers

$572

$48

Capital Insurance Group

$582

$49

Allstate

$584

$49

Farmers

$591

$49

National General

$592

$49

Capital Insurance Group

$603

$50

Hartford

$611

$51

State National

$622

$52

Nationwide

$657

$55

Kemper

$669

$56

Farmers

$670

$56

Capital Insurance Group

$675

$56

Chubb

$686

$57

Chubb

$708

$59

National General

$757

$63

National General

$769

$64

Hartford

$786

$65

USAA

$842

$70

USAA

$864

$72

GEICO

$913

$76

Progressive

$913

$76

National General

$919

$77

Progressive

$923

$77

State Farm

$934

$78

GEICO

$947

$79

Chubb

$977

$81

Allstate

$1,027

$86

USAA

$1,032

$86

CSAA

$1,042

$87

CSAA

$1,044

$87

GEICO

$1,089

$91

Allstate

$1,093

$91

Mercury

$1,095

$91

Progressive

$1,103

$92

Nationwide

$1,123

$94

Mercury

$1,127

$94

CSAA

$1,155

$96

Hartford

$1,169

$97

State National

$1,175

$98

State Farm

$1,196

$100

Allstate

$1,209

$101

Nationwide

$1,220

$102

Kemper

$1,232

$103

Capital Insurance Group

$1,245

$104

State National

$1,269

$106

Travelers

$1,285

$107

Capital Insurance Group

$1,323

$110

Hartford

$1,339

$112

Travelers

$1,353

$113

State Farm

$1,398

$117

Farmers

$1,447

$121

Mercury

$1,464

$122

Farmers

$1,479

$123

Capital Insurance Group

$1,490

$124

Kemper

$1,517

$126

State National

$1,563

$130

Nationwide

$1,579

$132

Travelers

$1,601

$133

Chubb

$1,686

$141

Hartford

$1,720

$143

Chubb

$1,741

$145

Farmers

$1,753

$146

Kemper

$1,825

$152

Chubb

$2,480

$207

How to Compare Cheap Salinas Car Insurance Quotes Online

Getting an online quote from one provider can take 15 minutes or longer, depending on how many details you need to provide. MoneyGeek’s car insurance calculator can give you a quick premium estimate when you simply enter your age, vehicle details, driving history and preferred level of coverage.

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USAA

Best Car Insurance in Salinas: Summary

The insurance company that is best for you depends on your needs and preferences. These providers offer the best options in Salinas for different categories:

  • Best overall: GEICO (MoneyGeek score of 69 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores for a company can change depending on the category. CSAA offers the best auto insurance in California. With an overall rating of 82 out of 100, USAA auto insurance is one of MoneyGeek's top choices for qualifying military members and their families.

Best Overall Car Insurance in Salinas

Based on an evaluation of costs, claims processing and client satisfaction scores, the following auto insurance providers are MoneyGeek's top picks in Salinas:

  • GEICO: MoneyGeek score of 69 out of 100 ($947 per year)
  • Progressive: MoneyGeek score of 69 out of 100 ($923 per year)

Most drivers will find a GEICO policy to be a worthwhile option because of its affordability and high customer satisfaction ratings.

With a MoneyGeek rating of 82 out of 100, USAA is also a top auto insurer for military members and their families.

How was this MoneyGeek score calculated?

GEICO

pros

Ranked #3 out of 14 insurers for affordability

Ranked #4 out of 14 insurers for customer satisfaction

Offers mechanical breakdown insurance and accident forgiveness

cons

Does not offer deductible modification or OEM coverage

No new or better car replacement

COMPANY HIGHLIGHTS

GEICO offers a good balance of affordability and quality service in Salinas. It offers mechanical breakdown assistance, a unique add-on coverage, as well as essential coverages. Unlike other top insurance providers, GEICO does not offer new car replacement or OEM coverage.

Compared to the standard extended warranty from your dealer, GEICO’s mechanical breakdown insurance offers superior coverage at a more affordable price. It is available for new or leased cars that are less than 15 months old and have fewer than 15,000 miles on them.

If you have accident forgiveness on your GEICO auto insurance policy, your insurance premium won't increase after your first accident, even if you were at fault. GEICO offers this add-on for free if you maintain a clean driving record, but it is also available for purchase.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Salinas for Customer Service

According to MoneyGeek's criteria for customer experience, the following companies provide the best full coverage auto insurance in Salinas, regardless of price:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,686 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,323 per year)

Chubb received the fewest customer complaints out of 14 insurers and received the best scores for claims handling. However, it is also the most expensive provider.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked #1 out of 14 insurers for claims management

Ranked #2 out of 14 insurers for customer satisfaction

Offers rental car reimbursement and OEM coverage

cons

Most expensive insurer

Lacks new or better car replacement

COMPANY HIGHLIGHTS

According to the National Association of Insurance Commissioners customer complaint index and the 2022 J.D. Power study, Chubb provides excellent service and receives fewer complaints than other businesses of its size.

In the case of a covered loss, Chubb's rental car reimbursement coverage offers policyholders much greater flexibility when renting a replacement car. This coverage, which has a cap of $15K, has no daily maximum. Moreover, Chubb offers OEM coverage, which pays for the cost of repairing your car with factory parts after a covered accident. In comparison, some suppliers only provide aftermarket components, which can be less reputable than components from the original manufacturer.

Unfortunately, this company does not offer optional gap insurance or new or better car replacement, which many other insurers provide.

Best Cheap Car Insurance in Salinas

After evaluating price and customer satisfaction across several Salinas insurance providers, MoneyGeek determined the following companies offer the best minimum coverage auto insurance:

  • GEICO: MoneyGeek score of 78 out of 100 ($330 per year)
  • Progressive: MoneyGeek score of 71 out of 100 ($386 per year)

Although minimum coverage policies are the cheapest, they provide very limited protection against liability costs and don’t cover vehicle damage in the case of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $330 per year

Provides various discounts

Outstanding client satisfaction and essential coverage options

cons

No paperless discounts

Poor claims management

COMPANY HIGHLIGHTS

GEICO offers the best and most affordable minimum coverage policies in Salinas and has a solid reputation for providing great customer service. The company rewards safe driving practices with discounts and provides discounts for bundling.

You can be eligible for a discount on the medical payments or personal injury protection component of your premium if you consistently wear a seatbelt. You can also save up to 22% on most coverages if you've had no accidents for five years.

If your car has airbags, you may save up to 23%, and if it has an anti-lock brake system installed by the manufacturer, you could save 5%. You can also save money on your auto insurance if you already have other GEICO insurance, such as a home or renters. Also, drivers who insure more than one vehicle can receive premium discounts of up to 25%.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Salinas

Where you live is one of many factors that affect insurance premiums. For Salinas drivers, the average yearly rate for full coverage auto insurance is $1,199 as of October 2022. That is $188 less than the average cost of auto insurance in California ($1,387) and $122 less than the average national cost of auto insurance ($1,265). These rates are for a full coverage insurance plan with bodily injury liability limits of $100,000 per person, $300,000 per accident and $100,000 in property damage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.