Best Salinas, CA Car Insurance in 2025
Car insurance in Salinas, CA averages $278 a month. Salinas, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Salinas car insurance rates, compare quotes from the top car insurance companies in Salinas, CA.
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Table of Contents
Table of Contents
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Laura Berry
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated December 2025
- The cheapest car insurance company in Salinas is Geico
- The cheapest ZIP code in Salinas is 93908
- Average car insurance rates in Salinas, CA are $3,337/year
If you need to buy Salinas, California car insurance, the options can be confusing. Everything you need to know about car insurance in Salinas, CA is right here.
You’ll find Salinas car insurance rates, the cheapest Salinas, CA car insurance companies, and information on California car insurance laws. You can also compare Salinas, California car insurance rates to Fresno car insurance rates, San Diego car insurance rates, and Sacramento car insurance rates.
Ready to find affordable Salinas, CA car insurance today? Enter your ZIP code for fast, free Salinas car insurance quotes.
Cheapest Salinas, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Salinas, CA car insurance rates? Every Salinas, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,669 | $2,695 | $1,930 | $1,972 | $7,176 | $9,077 | $3,477 | $3,905 |
| Farmers | $2,256 | $2,256 | $2,031 | $2,031 | $7,173 | $11,772 | $2,671 | $2,972 |
| Geico | $1,584 | $1,586 | $1,491 | $1,491 | $4,805 | $4,896 | $2,274 | $2,330 |
| Liberty Mutual | $2,126 | $2,014 | $1,979 | $1,918 | $4,666 | $4,958 | $2,399 | $2,415 |
| Nationwide | $2,957 | $2,829 | $2,576 | $2,434 | $7,427 | $8,206 | $3,529 | $3,497 |
| Progressive | $1,720 | $1,769 | $1,446 | $1,721 | $4,502 | $5,438 | $2,465 | $2,649 |
| State Farm | $3,084 | $3,084 | $2,755 | $2,755 | $5,643 | $6,996 | $3,411 | $3,519 |
| Travelers | $2,265 | $2,198 | $2,000 | $1,979 | $4,599 | $5,270 | $2,929 | $2,876 |
| USAA | $1,862 | $1,766 | $1,817 | $1,827 | $4,216 | $4,250 | $2,584 | $2,444 |
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Minimum Car Insurance in Salinas, CA
Every driver must carry the minimum car insurance in Salinas, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Salinas, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Salinas, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,467 | $4,188 | $6,549 | $3,247 |
| Farmers | $3,064 | $4,173 | $5,201 | $4,144 |
| Geico | $1,791 | $2,753 | $3,464 | $2,221 |
| Liberty Mutual | $2,439 | $3,267 | $2,947 | $2,584 |
| Nationwide | $2,920 | $3,741 | $6,327 | $3,741 |
| Progressive | $1,783 | $3,014 | $3,491 | $2,567 |
| State Farm | $2,784 | $3,322 | $6,284 | $3,233 |
| Travelers | $2,031 | $3,265 | $3,804 | $2,958 |
| USAA | $1,726 | $2,565 | $4,202 | $1,890 |
Cheapest Salinas, CA Car Insurance for Teen Drivers
Teen car insurance in Salinas, CA can be expensive. Take a look at rates from the top car insurance companies in Salinas for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,176 | $9,077 |
| Farmers | $7,173 | $11,772 |
| Geico | $4,805 | $4,896 |
| Liberty Mutual | $4,666 | $4,958 |
| Nationwide | $7,427 | $8,206 |
| Progressive | $4,502 | $5,438 |
| State Farm | $5,643 | $6,996 |
| Travelers | $4,599 | $5,270 |
| USAA | $4,216 | $4,250 |
Cheapest Salinas, CA Car Insurance for Seniors
Take a look at Salinas, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,930 | $1,972 |
| Farmers | $2,031 | $2,031 |
| Geico | $1,491 | $1,491 |
| Liberty Mutual | $1,979 | $1,918 |
| Nationwide | $2,576 | $2,434 |
| Progressive | $1,446 | $1,721 |
| State Farm | $2,755 | $2,755 |
| Travelers | $2,000 | $1,979 |
| USAA | $1,817 | $1,827 |
Cheapest Salinas, CA Car Insurance Rates After a DUI
A DUI in Salinas, CA increases car insurance rates. Compare Salinas, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,549 |
| Farmers | $5,201 |
| Geico | $3,464 |
| Liberty Mutual | $2,947 |
| Nationwide | $6,327 |
| Progressive | $3,491 |
| State Farm | $6,284 |
| Travelers | $3,804 |
| USAA | $4,202 |
Cheapest Salinas, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Salinas, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,709 | $4,517 |
| Farmers | $3,762 | $4,529 |
| Geico | $2,323 | $2,791 |
| Liberty Mutual | $2,581 | $3,038 |
| Nationwide | $3,698 | $4,666 |
| Progressive | $2,462 | $2,966 |
| State Farm | $3,764 | $4,048 |
| Travelers | $2,714 | $3,314 |
| USAA | $2,394 | $2,798 |
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Cheapest Salinas, CA Car Insurance Rates by ZIP Code
Salinas car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Salinas, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 93901 | $4,368 |
| 93905 | $4,907 |
| 93906 | $4,646 |
| 93908 | $4,274 |
The Best Cheap Car Insurance Companies in Salinas, CA
Take a look at a side-by-side comparison of the top car insurance companies in Salinas, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,113 |
| Farmers | $4,145 |
| Geico | $2,557 |
| Liberty Mutual | $2,809 |
| Nationwide | $4,182 |
| Progressive | $2,714 |
| State Farm | $3,906 |
| Travelers | $3,014 |
| USAA | $2,596 |
Category Winners: Cheapest Car Insurance in Salinas, California
Find the cheapest car insurance companies in Salinas, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Salinas, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Salinas car insurance rates. Find the cheapest Salinas, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,926 | $4,144 | $4,269 |
| Farmers | $3,868 | $4,175 | $4,393 |
| Geico | $2,346 | $2,584 | $2,742 |
| Liberty Mutual | $2,628 | $2,834 | $2,966 |
| Nationwide | $3,779 | $4,252 | $4,514 |
| Progressive | $2,464 | $2,789 | $2,888 |
| State Farm | $3,552 | $3,964 | $4,202 |
| Travelers | $2,651 | $3,092 | $3,301 |
| USAA | $2,375 | $2,642 | $2,770 |
What affects car insurance rates in Salinas, California?
What factors can have an impact on Salinas, CA car insurance? There are several reasons why Salinas car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Salinas, California.
Car Theft in Salinas
High levels of vehicle theft can make car insurance more expensive. Salinas, CA car theft statistics from the FBI indicate 1,227 vehicle thefts a year.
Commute Time in Salinas
The more time you spend in your car the higher the risk of an accident. The average commute length in Salinas, CA is 23.7 minutes according to City-Data.
Traffic in Salinas
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Salinas, CA traffic data from INRIX ranks Salinas as the 902nd-most congested in the world.
Compare Car Insurance Quotes in Salinas, CA
Ready to find affordable Salinas, California car insurance today? Enter your ZIP code for fast, free Salinas, CA car insurance quotes.
Frequently Asked Questions
How does a DUI affect car insurance rates in Salinas, CA?
A DUI can significantly increase car insurance rates in Salinas, CA. After a DUI, insurance companies consider the driver to be high-risk, leading to higher premiums. Shopping around and comparing quotes can help you find the most affordable rates in this situation.
Can senior drivers get affordable car insurance rates in Salinas, CA?
Yes, senior drivers can find affordable car insurance rates in Salinas, CA by shopping around and comparing quotes from different insurance companies. Rates may vary based on factors such as driving experience, vehicle type, and other individual circumstances.
How much does car insurance for teen drivers cost in Salinas, CA?
Car insurance for teen drivers in Salinas, CA can be expensive. The rates for teen drivers depend on various factors such as the insurance company, gender, and other individual characteristics. Comparing quotes from different companies is the best way to find the most affordable option.
How does a driving record affect car insurance rates in Salinas, CA?
Your driving record is a significant factor that affects car insurance rates in Salinas, CA. Insurance companies typically charge higher rates for drivers with a history of accidents, DUIs, or speeding violations. Maintaining a clean driving record can help you qualify for lower insurance premiums.
What is the minimum car insurance coverage required in Salinas, CA?
The minimum car insurance coverage required in Salinas, CA includes $15,000 per person and $30,000 per accident for bodily injury liability coverage, as well as a minimum of $5,000 for property damage liability coverage.
How do factors like age, gender, and marital status affect car insurance rates in Salinas, CA?
Age, gender, and marital status can impact car insurance rates in Salinas, CA. Insurance companies may weigh these factors differently, so it’s best to compare rates from various companies to see how they consider these factors
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