Salinas Car Insurance

The Zebra
May 30, 2018

Car Insurance in Salinas

Salinas premiums, which fall below California's average by $178, are known for being low-cost. Why don't we get started on how to save on car insurance in Salinas?

  • City Average: $1,535
  • State Average: $1,713
  • National Average: $1,427

Salinas Car Insurance by Age

Drivers in Salinas see the most significant fall in premiums when they hit their 20s, as they save an average of 60% from moving out of the teenage age range. Premiums in Salinas continue to trend downward up until drivers turn 70. Drivers in their 60s save money on insurance, as they have the smallest rates among all age groups, paying only $1,309 every year. However, people in their 50s ($1,346) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,601 on average.

  • Teenagers: $5,601
  • 20s: $2,243
  • 30s: $1,506
  • 40s: $1,450
  • 50s: $1,346
  • 60s: $1,309
  • 70s: $1,461

Salinas Car Insurance by Gender and Marital Status

Several driver characteristics, including marital status and gender, can have an effect on car insurance premiums in Salinas. However, males have premiums that are only a bit more expensive than those for females. You spend approximately 5% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are moderately cheaper than rates for those who are single.

  • Female: $1,532
  • Male: $1,535
  • Single: $1,535
  • Married: $1,465
  • Divorced: $1,535
  • Widowed: $1,471

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Salinas Car Insurance by Accident or Violation History

Maintaining an untainted driving record is vital if you want to keep your insurance rates low. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In Salinas, drivers with either a DUI or reckless driving violation have rates nearly triple the average for the city of $1,535. Expect your annual car insurance payments to grow by $854 if you are found at-fault in an accident in Salinas.

  • DUI: $4,397
  • Reckless Driving: $4,397
  • At-fault Accident (damages less than $1000): $2,389
  • At-fault Accident (damages greater than $2000): $2,389
  • Speeding Ticket (16-20 mph over speed limit): $2,079

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.