Salinas, CA Car Insurance

The average cost for car insurance in Salinas is about $45 a month. To learn more about policy rates and coverage in the Salinas area, continue reading our guide below.
How much can residents of Salinas expect to pay for their car insurance? Are rates in Salinas higher or lower than those in neighboring areas? How do they compare to the rest of California? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Salinas?

Area Average Monthly Car Insurance Premium
Salinas$45
CA$56
United States$80

Based on the chart above, you can see that coverage in Salinas typically costs about $11 a month less than it does in the rest of California.

Similarly, the expected monthly payments for an auto insurance policy in Salinas are below the national average. The average monthly payment for the U.S. as a whole is about $35 more expensive than in Salinas.

Although these are the average car insurance rates in Salinas, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for Salinas residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$72
25-34$40
35-44$35
45-54$35
55-64$36
65+$38

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Salinas.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$43

On average, female drivers pay slightly less for car insurance than their male counterparts. In Salinas, the difference comes out to about $4 a month. Based on the chart above, you can see that female drivers pay around $43 on average, while male drivers typically pay $47 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$60
1 Ticket$84
Multiple Tickets$69

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Salinas, having a single accident on your record will usually get you rates around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$49
4-5 Years$48
6-7 Years$39
8-10 Years$47
11-14 Years$48
15 Years or Older$43

In Salinas, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $40 per month for insurance coverage.

Car owners can expect to pay an average of around $47 a month for their policy, while SUVs usually cost around $41 a month to insure.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Salinas are vehicles less than or equal to one-year-old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$37
Divorced$37
Widowed$34

Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Salinas is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$44
Live with parents$64

Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Salinas can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Salinas, CA

Recent trends in car insurance for Salinas drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

In Salinas, auto insurance rates increased from 2016-2017, when they reached a high of $51, but began to decrease from 2018-2020. They finished up in 2021, at $47.

How does Salinas compare to neighboring areas?

Why are car insurance rates in Salinas different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Prevalence of crime
  • Community laws
  • Total number of drivers in the community
  • Off-street parking access

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Salinas?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Salinas in no time.

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Salinas Insurance FAQs

What factors affect car insurance quotes in Salinas?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Salinas different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Salinas?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Salinas?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Salinas or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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