Cheapest and Best Car Insurance in Salinas, CA (July 2024)

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Updated: July 1, 2024

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In Salinas, California, GEICO has the cheapest minimum coverage car insurance and the lowest rates for families with teens. National General is the cheapest provider for full coverage. For customer service, Chubb tops the rankings and is also the best overall, providing a balance of service quality and affordability. Ultimately, the best choice varies with personal coverage requirements and preferences.

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Cheapest and Best Car Insurance in Salinas

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Salinas insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Salinas, CA, as of July 2024.

352,910Quotes Analyzed
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Salinas

MoneyGeek found that GEICO is the cheapest option in Salinas for minimum coverage car insurance. These are the top two companies offering the cheapest car insurance rates:

  • GEICO: $372 per year
  • Progressive: $388 per year

Chubb has the most expensive minimum coverage policy in Salinas, with an annual premium of $686. You could save up to $314 by choosing GEICO over Chubb, which highlights the importance of shopping around. Finding the right car insurance at the best rate is crucial, emphasizing the benefit of comparing quotes.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
GEICOAnnual Premium$372Monthly Premium$31
ProgressiveAnnual Premium$388Monthly Premium$32
CSAAAnnual Premium$390Monthly Premium$32
MercuryAnnual Premium$415Monthly Premium$35
KemperAnnual Premium$440Monthly Premium$37
National GeneralAnnual Premium$464Monthly Premium$39
State NationalAnnual Premium$528Monthly Premium$44
FarmersAnnual Premium$535Monthly Premium$45

State Minimum Liability Requirements

Across the Golden State, Californians are required to carry minimum car insurance as defined by state law. These are the mandated limits:

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

If you have the minimum coverage and are involved in an accident that injures another driver, your policy will cover up to $15,000 for that person's injuries. However, if their medical bills reach $25,000, you have to shoulder the remaining $10,000. Similarly, if multiple people are injured and expenses exceed $30,000, the costs above the limit come out of your pocket. Remember, the minimum is the very least you can carry; more coverage always offers greater protection.

Cheapest Full Coverage Car Insurance in Salinas

MoneyGeek found that National General is the leading option in Salinas for the cheapest full coverage car insurance, offering substantial savings for drivers.

  • National General: $889 per year
  • Progressive: $968 per year

Farmers has the most expensive full coverage policy in Salinas at $1,890 per year, which is $1,001 more than National General's offer. This rate difference highlights the importance of comparing policies — full coverage is pricier than minimum coverage due to its comprehensive protection against a wide array of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
National GeneralAnnual Premium$889Monthly Premium$74
ProgressiveAnnual Premium$968Monthly Premium$81
GEICOAnnual Premium$1,081Monthly Premium$90
AllstateAnnual Premium$1,203Monthly Premium$100
CSAAAnnual Premium$1,206Monthly Premium$100
MercuryAnnual Premium$1,212Monthly Premium$101
KemperAnnual Premium$1,232Monthly Premium$103
State NationalAnnual Premium$1,269Monthly Premium$106

Do You Need Full Coverage in California?

Full coverage policies have higher liability limits. They also include comprehensive and collision coverage to protect your vehicle further.

  • Collision Coverage: This form of insurance is designed to cover the costs of repairs to your own vehicle in the case of a collision with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This insurance pays for repairs to your vehicle for situations other than collisions, covering events such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

For those with a new vehicle, obtaining full coverage insurance is prudent to protect your new asset. However, owners of older vehicles may find that the additional cost for full coverage doesn't outweigh the benefits, as the vehicle's value may not justify the high premiums. When determining how much car insurance you need, you need to find the right balance: weigh the cost of higher premiums against the risk of being underinsured. Choosing the right insurance coverage is crucial in safeguarding against unexpected expenses without incurring unnecessary costs.

Cheapest Car Insurance in Salinas After a Driving Offense

MoneyGeek found that National General is the cheapest car insurance option for drivers with a poor driving record seeking a full coverage policy. Here are the annual premium costs for each violation:

  • Speeding Ticket: National General ($933 per year)
  • At-Fault Accident: National General ($1,316 per year)
  • DUI: National General ($933 per year)

Hartford has the most expensive rates after a DUI at $4,747 per year. Travelers is the priciest option after an at-fault accident and a speeding ticket, at $2,924 and $2,647 per year, respectively. The severity of the traffic offense may significantly impact insurance premiums, but affordable options are available.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
National GeneralAnnual Premium$933Monthly Premium$78
CSAAAnnual Premium$1,523Monthly Premium$127
Capital Insurance GroupAnnual Premium$1,545Monthly Premium$129
GEICOAnnual Premium$1,602Monthly Premium$134
MercuryAnnual Premium$1,603Monthly Premium$134
KemperAnnual Premium$1,631Monthly Premium$136
AllstateAnnual Premium$1,744Monthly Premium$145
State NationalAnnual Premium$1,799Monthly Premium$150

In the insurance industry, premiums escalate with the severity of driving violations due to the associated risk factors. For instance, in Salinas, a speeding ticket can lead to an average annual rate of $1,899, while a DUI offense increases premiums to an average of $3,221 per year. It's important for drivers with offenses to diligently compare insurance rates, as finding the most competitive terms can result in significant savings and mitigate the financial impact of higher premiums due to driving infractions.

Cheapest Car Insurance in Salinas for Teens and Their Families

MoneyGeek found that State Farm is the cheapest option in Salinas, offering the cheapest car insurance for teens. Families can save significantly by choosing carefully, as evidenced by the cost comparisons below:

  • 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

These rates reflect a combined policy for two parents and a teenager. Nationwide is the most expensive teen family policy in Salinas, with a premium of $4,479 for female and male teens. This indicates a substantial $1,784 annual difference between State Farm and Nationwide. This rate difference highlights the importance of comparing rates, especially given the heightened insurance costs attributed to high-risk teen drivers.

Data filtered by:Results filtered by:
State FarmFamily Plan Annual Premium$2,695Individual Plan Monthly Premium$2,984
GEICOFamily Plan Annual Premium$2,696Individual Plan Monthly Premium$3,044
FarmersFamily Plan Annual Premium$2,711Individual Plan Monthly Premium$3,997
AllstateFamily Plan Annual Premium$2,842Individual Plan Monthly Premium$3,062
ProgressiveFamily Plan Annual Premium$2,867Individual Plan Monthly Premium$3,150
Capital Insurance GroupFamily Plan Annual Premium$3,113Individual Plan Monthly Premium$3,039
TravelersFamily Plan Annual Premium$3,507Individual Plan Monthly Premium$3,171
KemperFamily Plan Annual Premium$3,730Individual Plan Monthly Premium$4,979

In Salinas and comparable cities, teens face significantly higher car insurance premiums when purchasing an individual policy, averaging $3,814 per year. In contrast, being added to a joint family policy can reduce the rate to an average of $3,198. This stark difference in rates reflects the higher risk insurers associate with independent teen drivers due to their inexperience and elevated probability of filing claims. As a result, it's also tough for teenagers to secure an individual policy, as insurers often require a demonstrated history of responsible driving — a criterion challenging for young drivers to meet. Thus, it's financially savvy for families to opt for joint plans.

Cheapest Car Insurance in Salinas for Military Drivers

MoneyGeek found that National General is the cheapest option in Salinas, offering the cheapest car insurance for those with military backgrounds. The top contenders are:

  • National General: $889 per year
  • Progressive: $968 per year

While USAA is often a go-to for those affiliated with the military, it ranked fourth in Salinas with an annual premium of $1,158. Its rates are higher than the top competitors, but it's worth noting that USAA offers exceptional service that specifically caters to the needs of active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
National GeneralAnnual Premium$889Monthly Premium$74
ProgressiveAnnual Premium$968Monthly Premium$81
GEICOAnnual Premium$1,081Monthly Premium$90
USAAAnnual Premium$1,158Monthly Premium$96
AllstateAnnual Premium$1,203Monthly Premium$100
CSAAAnnual Premium$1,206Monthly Premium$100
MercuryAnnual Premium$1,212Monthly Premium$101
KemperAnnual Premium$1,232Monthly Premium$103

How to Compare Cheap Salinas Car Insurance Quotes Online

Comparing car insurance rates is an important strategy for saving on expenses. However, reviewing three or more quotes can take over an hour.

MoneyGeek’s car insurance calculator streamlines this process. You can receive rate estimates by inputting essential details such as age, driving history, credit score and desired coverage.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.


Rates updated:

Jul 19, 2024

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Best Car Insurance in Salinas: Overview

Choosing the best auto insurance for you depends on how you value factors like service, cost and coverage. MoneyGeek's research has tailored its scoring system to compare these variables, revealing the top car insurance providers in Salinas for different needs:

  • Best overall: Chubb (MoneyGeek score 80 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 79 out of 100)

In Salinas, Chubb offers the best overall value and top-notch service, making it a premier choice for those seeking affordability and a high-quality customer experience. Mercury is the optimal provider for budget-conscious consumers, delivering cost-effectiveness and a commendable service experience. Each winner caters to distinct preferences, ensuring a tailored fit for your insurance requirements.

Overall Best Car Insurance in Salinas

MoneyGeek found that Chubb is the best option in Salinas, providing drivers with an outstanding balance of service and value in their car insurance needs. When searching for the best car insurance, it's important to consider a company's overall performance, including customer satisfaction and affordability. Here are the top two providers in Salinas:

  • Chubb: MoneyGeek score of 80 out of 100 ($1,686 per year)
  • Capital Insurance Group: MoneyGeek score of 80 out of 100 ($1,341 per year)

Although both companies boast a MoneyGeek score of 80, Chubb stands out due to its exceptional customer claims experience and expansive coverage options, making it a top choice for a full coverage policy. This indicates that Chubb customers are generally more satisfied with the handling of their claims, which is a crucial aspect of car insurance.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
80/ of 100


Chubb's strong MoneyGeek score is bolstered by exceptional claims handling and high customer satisfaction, leading to its overall performance. The company offers both common coverages of rental car and/or travel reimbursement and roadside assistance, ensuring comprehensive driving protection.

Chubb's insurance offerings include the rare and widely applicable original equipment manufacturer (OEM) coverage, which is valuable for maintaining a vehicle's integrity with authentic parts. Diminished value coverage is another significant option, allowing policyholders to recover lost value in the event of an accident. Chubb's strong scores highlight Chubb’s commitment to delivering an insurance experience that prioritizes both customer care and financial stability.

Best Car Insurance in Salinas for Customer Service

MoneyGeek found that Chubb is the best option in Salinas for customers needing top-notch car insurance services dedicated to general satisfaction, claims handling and coverages, without prioritizing rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,686 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,341 per year)

Chubb distinguishes itself in the market primarily because of its superior claims score and the highest possible stability score, which are significant contributors to its overall MoneyGeek rating. These factors reflect a commitment to providing an exceptional customer experience from the onset of the claim to its resolution, affirming its reliability and trustworthiness in the eyes of policyholders.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100


Chubb's impressive MoneyGeek score is bolstered by exceptional satisfaction and claims handling. It offers rental car and/or travel reimbursement, underscoring its commitment to comprehensive customer service. However, it does lack some other common coverages, which could be a slight disadvantage for some customers. Still, its high scores in key areas make it a robust choice for individuals seeking quality auto insurance.

Chubb's array of insurance coverages caters extensively to drivers' needs. Its original equipment manufacturer (OEM) coverage is particularly valuable for maintaining a vehicle's integrity with manufacturer-specific parts — a feature many drivers would appreciate for newer or luxury cars. Antique/classic car Insurance also offers tailored protection for unique and cherished vehicles, ensuring these prized possessions have the right coverage. Diminished value coverage offers the potential to recoup losses should your car's value decrease after an accident. Chubb's high scores reflect its dedication to customer service and effective claims management, further enhancing its appeal to customers looking for reliable and customer-focused auto insurance.

Best Cheap Car Insurance in Salinas

MoneyGeek found that Mercury is the best option for cheap car insurance in Salinas, thanks to a weighted emphasis on affordability, claims handling and customer satisfaction.

  • Mercury: MoneyGeek score of 79 out of 100 ($415 per year)
  • GEICO: MoneyGeek score of 75 out of 100 ($372 per year)

Mercury stands out with its superior blend of reasonable pricing and high customer satisfaction, making it a leading choice for drivers seeking a minimum coverage policy. Its high scores in claims handling and customer service are critical components that contribute significantly to its MoneyGeek score.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
79/ of 100


Mercury stands out for its impressive affordability and coverage, factors that greatly influence its high MoneyGeek score. With an average annual premium of $415, Mercury's policyholders benefit from spending minimally on minimum coverage. The insurer also presents discounts such as the anti-theft system and automatic payment discounts.

Mercury offers a comprehensive range of savings opportunities. Notably, it offers all the most common discounts: bundling, multiple car and safe driving. Additionally, Mercury rewards responsible financial behavior through its automatic payment discount, ensuring timely premiums while possibly lowering overall costs. Furthermore, environmentally conscious customers can appreciate the paperless discount, highlighting Mercury's commitment to both modern, convenient services and eco-friendliness. These discount offerings and its high ratings underscore Mercury's commitment to providing value and security to its customers.

Average Cost of Car Insurance in Salinas

In Salinas, California, the average cost of car insurance is $1,346 per year, which is lower than the state average of $1,562. California's average premium is less than the national average of $1,781. Drivers in Salinas, California, are paying $216 less than the state average and $219 less than the national average.

Various factors affect car insurance rates, with geographic location being a significant determinant. Location is pivotal because factors such as accident rates, crime statistics and the cost of living can vary significantly between different areas, influencing the cost of insurance premiums. For instance, Glendale holds the most expensive premium at $2,433, a stark contrast to Santa Maria's $1,251 — the cheapest in California. This $1,182 difference illustrates how insurance rates can differ substantially within the same state. Moreover, insurance costs tend to be lower in non-urban areas where lower traffic density often translates into fewer accidents and claims.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.