The average car insurance policy costs $140 per month in Salinas. If you're paying too much, compare rates and save.
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 |
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.
Consult our expert guide to finding the best cheap car insurance.
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.
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.
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.
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.
