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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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 Average (annual) California Average National Average
$1,681 $1,868 $1,548
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Salinas car insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the car insurance provider that best fits your 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.

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 group in Salinas

Salinas drivers in their 60s pay relatively affordable car insurance rates just $1,491 each year, on average. Those in their 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.

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.

Gender is another factor that can influence auto insurance rates.

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 $2,837 per year in insurance premiums.

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


California is one of the few U.S. states to bar insurance companies from using credit score as a rating factor. That means a bad credit history won't negatively impact your insurance profile in Salinas. 

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.