Cheapest and Best Car Insurance in Salinas, CA (2023)

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.

Cheapest + BestCar InsuranceSalinas

2023

Cheapest and Best Car Insurance in Salinas, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - National General

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

South Dakota

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

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Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$183

2.Farmers Mutual of Nebraska

$261

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in Salinas, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Salinas

Cheapest Full Coverage Car Insurance in Salinas

Cheapest Car Insurance in Salinas After a Driving Offense

Cheapest Car Insurance in Salinas for Teens and Their Families

Cheapest Car Insurance in Salinas for Military Drivers

How to Compare Cheap Salinas Car Insurance Quotes Online

Best Car Insurance in Salinas: Summary

Best Overall Car Insurance in Salinas

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Salinas for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Salinas

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Salinas