Salinas Auto Insurance Rates, Quotes, Agents & Reviews in CA

Salinas, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Salinas, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Save Up to $729 on Multi-Car Insurance in Salinas, CA

The average cost of auto insurance in Salinas, CA, is $1,215. This is much lower than the average cost of auto insurance in neighboring locations such as Chualar, Elkhorn, San Juan Bautista, Spreckels, and Boronda.


Bundling and Multi-Car Insurance:

Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers up to a 17% discount on multiple policies, while Progressive offers a discount of 5%. Also, Progressive offers a 10% discount if you are a homeowner.  To avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.

Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.

The cost of insuring two vehicles using a multi-car insurance policy is $2,066, and the cost of insuring 4 vehicles under the same policy in Salinas is $4,131. Savings from multi-car insurance policies can range from $365 to $729. It depends on other factors such as the rate of deductible and the make and model of the car.

Anti-theft Discounts:

Car insurers across California offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Driving violations can prove to be very expensive. The cost of auto insurance post-DUI increases to $2,992, from $1,215. Other violations that can prove to be expensive include driving with an expired license and speeding. The former leads to an increase of $819, while the latter leads to an increase of $298.

Hybrid and Electric Vehicles:

Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered to be environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.

Factors that can influence the cost of car insurance in Salinas, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Salinas, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Salinas, CA with that of other cities in and around Salinas.

Salinas Chualar Elkhorn San Juan Bautista Spreckels Boronda
Average Insurance Rates $1,215 $1,808 $1,904 $1,965 $1,901 $2,277

Salinas, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Salinas, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Salinas $1,550 $1,309
Boronda $2,345 $1,981
Spreckels $1,906 $1,610
Prunedale $1,824 $1,541
San Juan Bautista $1,575 $1,330
Elkhorn $1,909 $1,612
Chualar $2,107 $1,780
Toro Park $1,640 $1,385

Salinas, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Salinas, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,942
20 Years $1,561
30 Years $1,202
40 Years $1,157
50 Years $1,071
60 Years $1,086
70 Years $1,264

Salinas, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Salinas, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,066 $365
3 Vehicles $3,098 $547
4 Vehicles $4,131 $729

Savings on 2 Vehicles bundle:$365

Savings on 3 Vehicles bundle:$547

Savings on 4 Vehicles bundle:$729

Salinas, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Salinas, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Salinas $1,215 $2,992
Boronda $2,277 $5,606
Spreckels $1,901 $4,681
Prunedale $1,902 $4,683
San Juan Bautista $1,965 $4,838
Elkhorn $1,904 $4,688
Chualar $1,808 $4,452
Toro Park $2,023 $4,981

Salinas, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,042
Excellent (740-799) $1,190
Good (670-739) $1,266
Average (580-669) $1,652
Poor (300-579) $1,982

Salinas, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Thomas Bridge Farmers 101 Mccray St Ste 102, Hollister, 95023 (831) 637-3789
Professional Ins Assoc Inc Liberty Mutual Independent 17601 VIERRA CANYON RD STE 206, SALINAS, 93907 (831) 641-0325
Leonard Lavorato Farmers 424 Salinas St, Salinas, 93901 (831) 754-8810
Ed Watson Farmers 1463 N Davis Rd, Salinas, 93907 (831) 663-9624
Ilda Mitchel State Farm 5988 Silver Crk Vly Rd Ste 60, San Jose, 95138-1077 408-238-0100
Leavitt Central Coast Ins Svcs Liberty Mutual Independent 950 E BLANCO RD, SALINAS, 93901 (831) 424-6404
All Spectrum Insurance Brokers-Clsc Liberty Mutual Independent 4300 STEVENS CREEK BLVD STE 100, SAN JOSE, 95129 (408) 739-8300
June Mcgrew State Farm 250 E Hamilton Ave Ste B, Campbell, 95008 408-247-JUNE

Salinas, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$53 $1,268
Driver's Failure In Showing Documents +$118 $1,333
Driving With An Expired Registration +$125 $1,340
Driving At A Considerably Slow Pace +$264 $1,479
Using A Cellphone While Driving +$278 $1,493
Running A Red Light +$283 $1,498
Speeding +$298 $1,513
Driving A Vehicle Without The Required Permission +$378 $1,593
Driving With An Expired/Suspended License +$819 $2,034

Salinas, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,166
Active Disabling Device $1,166
Tracking Device $1,142
Passive Disabling Device $1,130

Latest Auto Insurance Reviews in Salinas, CA | Back to Top

Premium and deducted has stayed the same , it was a lower cost of the policy that made switch from insurance companies , plus Geico offer a better customer service.
I love their offering. They have a policy for just about everything. I have had this insurance since my first car purchased by my parents and they have been goo to me about my rates.
All insurance in the state I live in is ridiculously expensive, with that being said our policy is the cheapest we can find for the coverage we need. Our Deductible is $500 which makes it the lowest available in our area.
Farmer's Insurance
it cover the five years plan for full service and accident cover policy. it also cover the driving policy and insurance for periodic coverage insurance facility
Farm Bureau
I have been with Farm Bureau for over 10 years now. The customer service is very high quality, and I never have to wait long on the phone to talk to an agent.
The premiums are a little lower than alot of other insurance companies but the price has been increasing so I'm not sure how much longer i'll be able to say they are cheaper than most.
I think the offerings are better than my last company because they were a cheap no name company. I did not feel safe with my last insurance but I do now.
We are completely satisfied with Met Life. We had to recently add an extra vehicle onto our policy and they did great and added the new vehicle in under 10 minutes during a phone call.
The Hartford
Hartford has a good customer service rating as far as I am concerned. They have been very helpful when I needed a towing and needed other information, i.e. renting a car.
The Hartford
Hartford has a good customer service rating as far as I am concerned. They have been very helpful when I needed a towing and needed other information, i.e. renting a car.
Sometimes, although rarely, they have a problem with their office staff not being as up to date as my actual representative is. That can be a stressful situation but it is always resolved in a quick and timely manner.
I like that their premiums are low and that they get things done behind the scenes without me having to help them or provide much information.
The downside is that if you ever need to file a claim or need help with some other issue, you do not have a local agent to work for you. You are at the mercy of the insurance company actually wanting to help you out, which rarely happens.
Encompass Insurance
State Farm is a fairly "no frills" policy, which is great for a student budget. I know my car is cover should something bad happen and I'm not paying a ton of money for it.
I don't know enough about them to decide this. I guess I didnt' like that they wouldn't give us a quote due to accidents that we were not at fault in up until recently.
Metromile Auto Insurance
Policy premiums are lower than my previous policy. Policy also provides easy tracking of vehicles due to the OBD device required for each vehicle and the mobile app provided. All information is easily accessible on their website.
State Farm
I like that I have a physical office and a physical agent should I need assistance. I can also walk into their office with my insurance payment and have it posted on the spot so that I know my payment will not be late.