On average, car insurance in Salinas costs $1,252 annually, lower than California’s average. Esurance offers the most affordable insurance at $927 yearly on average. MoneyGeek determined the cheapest option by analyzing coverage amount and driving history to help find the best rates. If you want both quality and affordability, MoneyGeek listed the best insurance companies in Salinas.
Compare the Cheapest Car Insurance Quotes in Salinas, CA
The Cheapest and Best Car Insurance in Salinas
The Cheapest Car Insurance Companies in Salinas
The car insurance companies in Salinas that offer the most affordable full coverage policy on average are:
- Esurance: $927 per year
- MetLife: $1,047 per year
When you shop for car insurance, comparing prices from different companies can help you make sure you get the right coverage.
Esurance offers the most affordable car insurance in Salinas. A policy from Esurance costs 79.7% less than coverage from Allied, the most expensive car insurance provider in the city.
These prices are for a 40-year-old male driver with a full coverage policy that includes both liability insurance as well as comprehensive and collision insurance.
Scroll for more
Average Cost of Car Insurance in Salinas
Knowing the average auto insurance rates in your area can help you find the best car insurance for you.
The average car insurance rate in Salinas is $1,252. This is 12.4% less than the state average and 12.1% less than the national average.
The Best Car Insurance Companies in Salinas
If you’re a driver in Salinas who’s looking for an insurance company that is cost-effective and gives superior service, MoneyGeeks ranked the best options. Based on MoneyGeek’s scoring system, the best companies in Salinas for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Salinas by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses factors such as J.D. Power customer satisfaction, affordability and financial stability to compute the scores.
Personalized Quotes to Get You the Cheapest Car Insurance in Salinas
The cost of car insurance in Salinas varies based on different factors. Quotes are determined by age, gender, driving history, vehicle type, coverage level and more.
For example, 40-year-old male drivers in Salinas will pay an average of $927 per year for a policy with Esurance. This rate may increase as the driver gets older.
It’s important to compare car insurance quotes regularly to find the most accurate policy, especially if your life circumstances change.
Shopping around for car insurance in Salinas could save you $325, which is enough to buy:
Cheapest Car Insurance in Salinas by Coverage Amount
One of the primary factors that affect your policy’s price in Salinas is the amount of coverage you buy. An insurance policy that meets the minimum liability requirements in California costs an average of $542 annually. In comparison, a full coverage policy, which has higher liability limits, amounts to $1,252 on average, making it more expensive by $710.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
A state minimum liability-only policy will provide the most basic protection at the lowest price. USAA offers cheap car insurance in Salinas, providing the lowest rate for this type of coverage. A driver in Salinas can get this policy for an average of $395 per year. If you do not qualify for a USAA policy, then the cheapest option is a policy with CSAA that costs an average of $398 annually.
For drivers who want more protection, car insurance companies in Salinas offer 50/100/50 liability-only and full-coverage options. 50/100/50 refers to the limits on each policy. These limits mean you will receive up to $50,000 per person for injuries, $100,000 for total injuries per accident and $50,000 for property damage.
If you cause an accident and have liability-only coverage, the other driver’s costs will be covered within policy limits. With a full-coverage policy, the expenses you and the other driver incur in an accident you cause are covered within certain limits.
Drivers in Salinas who choose a full-coverage policy with Esurance will pay an average of $316 more than drivers who select a liability-only plan. This extra cost may be worth it to drivers who want the added protection and benefits.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Salinas if You Have Driving Violations
Maintaining a clean driving record can help make car insurance in Salinas more affordable. This is because violations like speeding tickets, at-fault accidents and DUIs can increase annual premiums.
For example, a Salinas driver who has a speeding ticket on their record might pay an average of $243 more per year than a driver with a clean driving history. Having a DUI can cost drivers an average of $1,358 extra annually. Drivers with an at-fault accident on their record could pay an average of $510 extra each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Where you live in Salinas will impact the cost of your auto insurance. Average rates can vary since each ZIP code has different accident, car theft and uninsured motorist statistics.
In Salinas, rates differ by neighborhood. Drivers residing in ZIP code 93906 may pay an average of $91 less than residents living in the 93905 community.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Salinas
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Salinas. How Salinas ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Salinas are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author