Best Salinas, California Auto Insurance in 2025

Although Salinas, CA auto insurance is more expensive than the national average, it is cheaper than the average California auto insurance rates.

Finding affordable Salinas, CA auto insurance is easy if you shop around. Compare quotes from multiple companies to see who can offer you cheap auto insurance that meets your coverage needs.

Monthly Salinas, CA Car Insurance Rates by ZIP Code

Check out the monthly Salinas, CA auto insurance rates by ZIP Code below:

Salinas, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Salinas, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

Enter your ZIP code now to compare Salinas, CA auto insurance quotes from multiple companies for free.

What is the cheapest auto insurance company in Salinas, CA?

The cheapest auto insurance company on average in Salinas is Geico, but rates will vary by driver.

Which Salinas, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

Here are the best auto insurance companies in Salinas, CA ranked from cheapest to most expensive:

• Geico – $2,557.28
• USAA – $2,595.91
• Progressive – $2,713.75
• Liberty Mutual – $2,809.47
• Travelers – $3,014.44
• State Farm – $3,905.85
• Allstate – $4,112.74
• Farmers – $4,145.31
• Nationwide – $4,181.87

Many factors influence your auto insurance rates, including your age and driving record. California is one of the few states that does not allow insurance companies to use your gender when calculating your rates.

Where you live and the size of the city also affects your auto insurance rates. For example, although the cities are near each other, San Francisco auto insurance rates are much higher than rates in Salinas.

Also, low-cost auto insurance is available in California for low-income drivers. For drivers who meet such conditions, the California Low-Cost Auto (CLCA) program provides very low coverage.

Salinas, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Salinas auto insurance rates. Find the cheapest Salinas, CA auto insurance rates by coverage level below:

Your driving record will play a major role in your California auto insurance rates. For example, other factors aside, a Salinas, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Salinas, CA auto insurance rates by driving record.

Factors affecting auto insurance rates in Salinas, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Salinas, California auto insurance.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Salinas, CA.

What auto insurance coverage is required in Salinas, CA?

Most states, including California, require drivers to carry at least a minimum amount of auto insurance. Drivers in Salinas must carry:

• $15,000 per person and $30,000 per incident for bodily injury liability
• $5,000 per incident for property damage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in the payment of damages incurred as a result of an accident. Damages not caused by an accident, such as those caused by Salinas, CA weather, are protected by comprehensive insurance.

What affects auto insurance rates in Salinas, CA?

Since more vehicles on the road equal a higher risk of an accident, traffic can also impact your auto insurance rates.

Although INRIX doesn’t have data for Salinas, it does rank nearby Monterey, CA as the 72nd-most congested city in the U.S.

City-Data reports that most drivers in Salinas have about a 25-minute commute, and most drivers commute alone, which drives up Salinas, CA car insurance rates for everyone.

Theft can also cause your auto insurance rates to increase. According to the FBI, there were 1,242 motor vehicle thefts in Salinas in one year.

Salinas, CA Auto Insurance: The Bottom Line

Salinas auto insurance rates are more expensive than the national average, but low-income drivers may be able to take advantage of the CLCA program if they meet certain requirements.

Shop around to find the best deal before you buy Salinas, CA auto insurance. Each company will charge a different rate so compare quotes from multiple companies for the best deal.

Enter your ZIP code to compare Salinas, CA auto insurance rates from companies near you.