How much does car insurance cost in Salinas?
Car insurance costs an average of $1,681 per year in Salinas. That's less expensive than the average in California ($1,868) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Salinas.
SALINAS CAR INSURANCE RATES
| Salinas Average (annual) | California Average | National Average |
| $1,681 | $1,868 | $1,548 |
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Salinas car insurance rates by provider
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Salinas's most affordable premiums. We've gathered the best cheap car insurance companies in Salinas below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
SALINAS CAR INSURANCE RATES BY COMPANY
| Company | Average Yearly Rate |
| GEICO | $1,188 |
| Mercury | $1,402 |
| Infinity | $1,519 |
| CSAA | $1,691 |
| Farmers | $1,711 |
Consult our expert guide to finding the best cheap car insurance.
Car insurance rates by age bracket in Salinas
Salinas drivers in their age_60s pay relatively affordable car insurance rates just $1,491each year, on average. Those in their age_50s don't pay significantly more ($1,503).
Teenage drivers pay Salinas's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Salinas is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Salinas is $3,532, the largest such difference between any two age groups.
SALINAS AUTO INSURANCE PREMIUMS BY DRIVER AGE
| Age | Average Annual Rate |
| Teenagers | $6,001 |
| 20s | $2,469 |
| 30s | $1,636 |
| 40s | $1,575 |
| 50s | $1,503 |
| 60s | $1,491 |
| 70s | $1,724 |
Learn more about the impact of age on auto insurance rates.
Salinas auto insurance rates by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. In Salinas, married drivers pay $72 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Salinas, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates.
SALINAS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
| Gender/Marital Status | Average Annual Rate |
| Female | $1,681 |
| Male | $1,681 |
| Single | $1,610 |
| Married | $1,610 |
| Divorced | $1,681 |
| Widowed | $1,630 |
Read more about the relationships between gender, marital status and insurance rates.
Salinas auto insurance rates by incident history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Salinas drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $2,914 per year versus the city average. A ticket for speeding results in a $686 rate hike, on average, while a DUI violation costs $2,837per year in insurance premiums.
SALINAS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
| Citation | Average Yearly Rate |
| DUI/DWI | $4,518 |
| Reckless Driving | $4,595 |
| At-fault Accident (damages < $1,000) | $1,687 |
| At-fault Accident (damages > $2,000) | $2,944 |
| Speeding Ticket (16-20 mph over speed limit) | $2,367 |
Learn more about the impact of driving violations on car insurance rates.
Salinas car insurance costs by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Salinas drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Salinas, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
SALINAS CAR INSURANCE RATES BY CREDIT TIER
| Credit Level | Average Annual Rate |
| Very Poor | $1,681 |
| Fair | $1,681 |
| Good | $1,681 |
| Very Good | $1,681 |
| Exceptional | $1,681 |
