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Jerry Data & Research
Cheapest car insurance in Salinas, California (Apr 2024)
Cheapest car insurance in Salinas, California (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Salinas, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Salinas, CA
- Cheapest Salinas car insurance for good drivers
- Best car insurance companies in Salinas
- Cheap full coverage car insurance quotes in Salinas
- Average cost of auto insurance in Salinas, CA
- Average cost of car insurance in Salinas by ZIP code
- Car insurance quotes in Saginaw by rating factors
- How do different factors impact your car insurance costs in Salinas?
- Cheap car insurance quotes in Salinas after driving violations
- Cheap car insurance quotes in Salinas by experience
- Cheap auto insurance quotes in Salinas based on insurance history
- Cheap car insurance quotes in Salinas for popular cars
- How to lower car insurance costs in Salinas
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Salinas, CA
Auto insurance in Salinas,
California
, typically costs around $87 per month for minimum coverage liability insurance, and approximately $150
per month for full coverage insurance. Salinas drivers pay 11% less than the national average for insurance. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $167 | Viola, 23 Zip: 93906 | Audi TT 2.0T | • State Minimum Liability |
| Nationwide | $156 | Billy, 29 Zip: 93907 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $105 | Lillie, 60 Zip: 93912 | Nissan Versa S | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $130 | Herbert, 29 Zip: 93905 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
| National General | $86 | Verna, 20 Zip: 93901 | Hyundai Genesis 5.0L | • State Minimum Liability |
Last Updated Apr 16, 2024Cheapest Salinas car insurance for good drivers
The factors that insurers use to
calculate your car insurance premiums
include your zip code, driving history, claims history, the car you drive, and more. Although most of these factors are out of your control, you can do your best to be a good driver.By keeping your driving record clean, you could save up to 40% on your car insurance premiums. Jerry's DriveShield™ helps you monitor your driving habits and unlock discounts for driving safely. See how much money other drivers saved by using DriveShield™.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Giovanni, 25 | 88 | 28% | No |
|
Alex, 34 | 98 | 35% | No |
|
Paul, 44 | 76 | 20% | No |
|
Dina, 54 | 96 | 31% | No |
|
David, 65 | 74 | 24% | No |
|
Best car insurance companies in Salinas
Because every customer receives a different
car insurance quote
based on their driver profile, there isn’t a single cheapest car insurance company for everyone. Nor is there a “best”—it all depends on how much you value factors like customer service and claims handling.Jerry conducted the largest insurance shopping survey in the country to see what customers thought of their car insurance providers. Surprisingly, big-name insurers like GEICO and State Farm received mixed reviews for affordability and customer service, while small insurers like
Aspire Advantage
and National General
received high praise.Here’s how drivers in Salinas rated various companies on a scale from 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 3.9 | 4.3 |
| USAA | 4.3 | 4.8 | 4.8 | 4.8 |
| Geico | 4 | 3.5 | 3.8 | 3.9 |
| State Farm | 3.9 | 3.3 | 3.7 | 4 |
Liberty Mutual | 2.8 | 3.2 | 2.7 | 2.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Salinas
California’s minimum car insurance requirements
reflect how much insurance you need to carry to drive legally as well as the cheapest coverage option in Salinas. However, minimum liability coverage provides minimal financial protection. You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle—but that’s not as easy to get in the Golden State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in California, and how it could affect your policy choices in Salinas.
Cheap minimum liability insurance quotes in Salinas
Salinas drivers must carry the minimum amount of
liability insurance
coverage required in California to drive legally. A minimum-liability insurance policy includes at least:- $30,000 of bodily injury liability coverage per accident
The minimum coverage limits are usually shortened to “15/30/5”. Liability insurance pays for any damages—including the cost of medical treatments and repairing or replacing any property—that you cause while driving.
Jerry helped these Salinas car owners get minimum liability coverage at the lowest price possible:
Viola (23 years old)
$167
per month
Luis (35 years old)
$118
per month
Do you need more than minimum coverage in Salinas?
If you cause a car crash,
California’s car accident laws
will hold you liable for the other driver’s medical bills and vehicle repairs. The total cost will probably exceed California’s minimum coverage limits, especially if anyone is severely injured.Plus, your liability coverage limits could be stretched far beyond the accident date to a personal injury lawsuit. California gives car accident victims two years to sue for bodily injuries and three years for property damages.
The bottom line: For better financial protection, expert insurance agents recommend drivers raise their liability insurance limits to 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Salinas
To protect yourself from the costs of repairing or replacing a car, you need
full coverage car insurance
, which includes collision and comprehensive coverage.Collision insurance
covers the cost of repairing or replacing your car after an accident with another car or stationary object. You can file a claim regardless of whether or not you were at fault.Comprehensive insurance
covers damage caused by theft, vandalism, or natural disasters that are not related to a collision. You can’t file a claim for damages that you caused yourself.If a car is leased or financed, the lender will usually include full coverage in the list of conditions in the contract. You might also want to pick up roadside assistance, or
uninsured motorist coverage
to guard your finances from a costly collision with somebody who isn’t carrying any insurance at all!Jerry helped drivers get some of the cheapest quotes for full coverage in Salinas.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $160 | Hettie, 25 Zip: 93906 | Nissan Altima 2.5 |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $130 | Herbert, 29 Zip: 93905 | Chevrolet Silverado K1500 LT |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $105 | Lillie, 60 Zip: 93912 | Nissan Versa S |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $156 | Billy, 29 Zip: 93907 | Toyota Tacoma Double Cab |
• 25,000/50,000 Liability • Comp / Collision | Clearcover | $182 | Russell, 33 Zip: 93901 | Infiniti Q40 |
Last Updated Apr 16, 2024
Getting the lowest rates on your auto insurance policy is easier and faster if you compare quotes online. Jerry offers free quotes and a team of licensed insurance agents to answer your questions and help you weigh the pros and cons of different coverage options.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of auto insurance in Salinas, CA
After helping countless drivers in Salinas find car insurance, Jerry discovered that minimum liability coverage costs an average of $87 per month or $1,048 per year. Full coverage insurance, on average, costs $150 per month or $1,800 per year.
Average rates can give you a rough idea of your insurance costs, remember that each driver's premiums are determined by many factors including their driving record, claims history, and demographics.
Average cost of car insurance in Salinas by ZIP code
Auto insurance rates can vary even in the same city. High-risk neighborhoods have higher rates of traffic, auto theft, car accidents, and other risky factors. Move to a large urban center and you’ll pay more for car insurance than a quiet farm in a corner of the map.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
93901 | $86 | $228 |
93905 | $70 | $162 |
93906 | $75 | $134 |
Compare car insurance costs in other states
Car insurance quotes in Saginaw by rating factors
Salinas insurance companies weigh many rating factors when deciding your premiums, including:
- Your driving history: If you've been in an accident or received a ticket, you'll be charged more for insurance.
- Your age: As young drivers have limited driving experience, insurance companies consider them a higher risk.
- Your vehicle: Collision and comprehensive coverage tend to be more expensive for luxury, high-performance, and sports cars.
- Your parking spot: Rates are costlier in neighborhoods with high rates of auto theft or vandalism.
How do different factors impact your car insurance costs in Salinas?
How do different factors impact your car insurance costs in Salinas?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Salinas:
Cheap car insurance quotes in Salinas after driving violations
Your
California driving record
significantly affects your auto insurance rates. Insurance companies see a history of violations as an indication of future financial losses, so they charge more to compensate.Any one of the following violations can increase your insurance rates:
- Speeding
- DUIs
- At-fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest insurance in Salinas, California after a speeding ticket
If you receive a speeding ticket in Salinas, your car insurance premiums could increase by around 40%. However, some providers—not to mention Jerry—don’t mind offering affordable rates to drivers with a mistake or two in their past.
Last Updated Apr 13, 2024Cheapest car insurance in Salinas after DUI
A
DUI in California
could raise your premiums by a maximum of 170%. Switching to a provider that charges the minimum for a past DUI can help you cut costs.You’ll have to compare quotes from multiple car insurance providers to find who can offer you the best price. Jerry has helped many Salinas drivers find affordable auto insurance rates even with a DUI on their record.
Pearl (28 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Salinas, CA (Zip Code: 93907)
$152
per month
Lizzie (31 years old)
$124
per month
Cheapest car insurance in Salinas after an at-fault accident
Your car accident and claim history are two of the biggest factors affecting your car insurance rates.
Since California is an at-fault state, an at-fault accident can raise your insurance rates by a significant amount. However, Jerry has helped many Salinas drivers save money on car insurance after an accident.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $268 | Rhoda, 35 Zip: 93907 | Tesla Model S | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $124 | Alexander, 57 Zip: 93906 | Jeep Cherokee Latitude | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $130 | Nelle, 29 Zip: 93905 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $124 | Katherine, 31 Zip: 93906 | Dodge Challenger SXT | • State Minimum Liability |
Last Updated Apr 13, 2024Cheapest car insurance in Salinas after other driving violations
Your car insurance costs can also increase after other driving violations, like reckless driving or driving with a suspended license. Jerry has helped drivers around Salinas find affordable premiums after a variety of driving errors.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Allstate | $212 | Carlos, 22 Zip: 93905 | Subaru WRX | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $167 | Jorge, 23 Zip: 93906 | Audi TT 2.0T | • State Minimum Liability |
Cell Phone | National General | $68 | Melvin, 57 Zip: 93901 | Ford Fusion SE | • State Minimum Liability |
Careless Driving | National General | $166 | Caroline, 26 Zip: 93906 | Toyota Corolla LE | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Clearcover | $206 | Don, 33 Zip: 93905 | Hyundai Sonata Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 16, 2024Cheap car insurance quotes in Salinas by experience
Inexperienced drivers typically pay higher insurance rates than more experienced motorists. As drivers gain more experience, their rates begin to drop… and then rise again in tandem with a greater risk of accidents and injuries after the age of 75.
Cheapest car insurance in Salinas for young drivers
Teen drivers between 16 and 19 and new drivers of any age pay high insurance rates for the same reason that a full coverage policy is a good idea: their risk of getting into an accident is higher.
You can save up to $2,055 a year on
car insurance for teen drivers
by adding them to the policy of a parent, guardian, or older household member. Comparing quotes with Jerry could help you save even more.Viola (23 years old)
$167
per month
Clearcover
Benjamin (22 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Salinas, CA (Zip Code: 93905)
$99
per month
Leila (24 years old)
$403
per month
Cheapest car insurance in Salinas for senior drivers
Senior drivers
are generally more likely to be involved in an accident and to receive injuries. This can make accessibility to affordable car insurance difficult for seniors.Rachel (68 years old)
$70
per month
Cheap auto insurance quotes in Salinas based on insurance history
Your car insurance rates also hinge on your insurance history and whether you're currently covered or not. Any
car insurance lapses
lead to higher rates.Jerry helps drivers in Salinas compare car insurance quotes, find the best deal, and keep it. You can opt-in for payment reminders, renewal reminders, and other insurance services through the app.
Dora (23 years old)
$167
per month
Mayme (29 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Salinas, CA (Zip Code: 93907)
$156
per month
Clearcover
Phillip (31 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Salinas, CA (Zip Code: 93906)
$138
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Grateful for this app and helping me save money!
Aaron
Fast and friendly service!
Carlisa
Everything is super easy to access in the app and I can get ahold of someone anytime I need!
Alecia
The General is affordable and will work with you on your monthly payments.
Curtis
Cheap car insurance quotes in Salinas for popular cars
How much your auto insurance provider charges you for coverage depends partly on the kind of car you drive. If it’s cheap to repair—ex. it has low repair costs, cheap parts, and lots of available parts—and safe—ex. it has high safety ratings, driver assistance technology, and anti-theft measures—it’ll be cheap to insure as well.
The following links open more information on rates for the five most popular cars in Salinas:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry | National General | $105 | Lettie, 32 Zip: 93905 | • State Minimum Liability • Comp / Collision |
| Honda Civic LX | Progressive | $177 | Georgie, 25 Zip: 93905 | • State Minimum Liability • Comp / Collision |
| Toyota Prius | Aspire Advantage | $137 | Connor, 25 Zip: 93907 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 13, 2024How to lower car insurance costs in Salinas
1. Shop around and compare quotes
Each car insurance company has its own rules for deciding your premium, and the rules are always changing. To make sure you're not overpaying, insurance agents recommend comparing quotes from at least three companies every six months.
Jerry makes it possible to check the rates of over 55 top insurance providers in just 45 seconds. The App Store’s number one insurance app provides a free and easy way for you to find the best auto insurance coverage for the best price.
2. Hunt for car insurance discounts
All insurers have
car insurance discounts
, but they don’t all offer the same ones. Commonly offered discounts include:- Good driver discounts: California state law requires insurers to offer a 20% discount for drivers with one or fewer points on their licenses. You can also get a discount by holding a Cali driver’s license continuously for three years with no at-fault accidents causing injury or death.
- Telematics discounts: Many companies offer discounts to drivers using telematics to monitor their driving habits. Some may even provide a discount just for signing up.
- Good student discounts: If you're a full-time student in high school or college with a B average or better, you likely qualify for a discount.
Nearly every insurance provider also offers bundling discounts. You can save by combining two or more of the following insurance products:
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage car insurance, increasing your deductible is a simple way to lower monthly expenses without sacrificing coverage—just remember that this is more of a last resort option and should only be done if you can afford the increase.
FAQ
How much is car insurance in Salinas?
Residents of Salinas typically pay an average of $87 per month, or $1,048 per year, for state-minimum liability coverage. Full coverage in Salinas averages $150 per month or $1,800 per year.
However, car insurance costs vary widely based on individual situations, so shopping around for quotes is crucial.
What is the cheapest car insurance in Salinas?
According to Jerry's data from Salinas drivers, car insurance averages $54 per month for state-minimum coverage and $177 per month for full coverage.
While no single insurance company is the cheapest for everyone, Travelers ($25/month), Mapfre ($27/month), and Kemper Preferred ($30/month) offer some of the lowest state minimum coverage rates on average. Embark General ($98/month), Hugo ($111/month), and Encompass Insurance ($114/month) offer some of the cheapest full coverage rates on average.
What is the best car insurance in Salinas?
If the best car insurance means the best customer service, your top picks in California are Metlife,
Encompass
, and Direct Auto. They received positive ratings from real policyholders in Salinas in Jerry’s nationwide insurance shopping survey.What is the minimum car insurance in Salinas, California?
In California, the minimum insurance requirements follow the 15/30/5 rule, i.e. $15,000 of bodily injury liability coverage per person (to a maximum of $30,000 per accident) and $5,000 of property damage liability coverage per accident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
