Salinas Insurance Rates:

Salinas, CA home insurance is about $521 to $706, about $43-$58/month. Our complete research indicates shoppers can save as much as $245 by comparing many quotes

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Salinas Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $960/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

3 Beds, 3 Baths 2340 sqft Seasonal Residence Constructed In 1985 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $140/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1270 sqft Primary Residence Constructed In 1962 with Wood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $350/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1260 sqft Vacation Property Constructed In 2001 with Wood Flooring, Tile Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $690/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 2430 sqft Vacation Property Constructed In 1960 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $90/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Baths 4250 sqft Seasonal Residence Constructed In 1971 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $415,000

5 Beds, 5 Baths 2540 sqft Primary Residence Constructed In 1984 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $740/6 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $460,000

4 Beds, 4 Baths 2380 sqft Primary Residence Constructed In 1992 with Carpet Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Salinas, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93908 $655,700 $680
93901 $364,300 $630
93906 $273,600 $620
93905 $224,000 $610

Salinas Rates & Quotes Analysis:

Salinas Area Estimated House Insurance
Lorimer St, Tyler Pl, Tumbleweed Dr, Sherwood Dr, Melody Ln, Los Coches Cir, Atherton Cir, Berta Views Ln, Hudson Way, Winham St$607
Dayton Ave, Hyannis Cir, White River Cir, Riker St, Pajaro Way, Harrison Rd, W Bolivar St, McGowan Cir, Woodland Heights Ct, Russell Rd$627
Manzano Way, Santa Monica Ct, Santa Rosa Ave, Sherman Dr, Castro St, Cottonwood Dr, Taft Cir, Lagunita Rd, Stone St, Pico Blanco St$622
Kensington Way, Victoria Ave, Hartnell Rd, Alisal Rd, Fairfax Dr, la Mirada Ct, Jade Cir, Ebro Cir, Durango St, Archer St$615
Rose St, Archer St, el Rancho Ct, N 1st St, Faulkner St, College Dr, Penwick Cir, Baja Cir, Wilson St, Via Maria$604
Cortez St, Lohman St, Wild Horse Rd, Hancock Cir, W Acacia St, Dewey Ave, Van Ness Cir, Beacon Hill Cir, Caoba Way, Muroc St$610
Vallejo St, San Jacinto Dr, Skyway Blvd, Salinas St, Montecito Way, Almaden Dr, Silverwood Pl, Geil St, Oso Ct, Woodbury Cir$626
Valle San Juan Dr, W Gabilan St, Kimmel St, Truckee Way, Massolo Ct, Damian Way, Rockhaven Ct, Inglewood St, Byron Dr, Piazza Cir$645
London Way, Eagle Dr, Tahoe Dr, Harrington Cir, Washington Dr, Martin Ln, Durango Cir, Bennington Ct, Cornell Ave, Valdez Cir$614
Napa Way, Merlot Way, el Rancho Way, Polk St, Pima Cir, Elton Pl, Duran Cir, Stockton St, Montana St, Cambrian Dr$623

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,536 Homes (22% of total homes ) built between 1970 to 1979 in Salinas are paying home insurance between $993-$1,002. Places close to Salinas, CA such as Spreckels, Prunedale, San Juan Bautista are more expensive by $62, $25, $70 respectively while Boronda and Chualar are cheaper by $17 and $29 respectively for similar homes.
  • Bedrooms: 13,250 2 bedrooms homes (28% of total homes ) in Salinas are paying about $178 in contrast with Boronda (+$3), Spreckels (+$11), San Juan Bautista (+$19), Chualar (-$5) and Soledad (-$3).
  • Auto Insurance Bundling: 7,688 Households (37% of all households) in Salinas have 3 or more vehicles available and when it is bundled with home insurance you can save $153 in contrast with Boronda ($150), Spreckels ($162), Prunedale ($157).
  • Senior Discounts: 8,494 seniors (more than 55 years) occupied housing units (41% of total) in Salinas get discounts between $91 to $94. The comparative concessions in proximate regions such as Boronda, Spreckels and Prunedale are $90, $97 and $94 respectively.
  • New Homes discounts: New homes such as the 16,109 homes built between 2000 to 2009 in Salinas can save $122 in contrast with Boronda ($120), Spreckels ($130), Prunedale ($125).

Salinas Homeowners insurance Facts

  • Salinas, CA has 20,519 owner occupied houses which is 46.2% of all units whereas Boronda, Spreckels and Prunedale have 25.17%, 83.39% and 76.15% respectively.
  • Salinas, CA homeowners yearly insurance price at $613 is 0.21% of the typical house value of $288,300 which is in contrast with 0.28% in Boronda, 0.12% at Spreckels & 0.16% in Prunedale.
  • Homeowners in Salinas, CA pay 2.72% of their income ($20,000 to $24,999) in insurance whereas homeowners in Boronda, Prunedale and San Juan Bautista pay 2.68%, 2.79% and 2.92% respectively.
  • Salinas, CA’s insurance is 2.4% of monthly housing costs of $2,129/month, for owners with a mortgage compared to 1.69% in Spreckels, 2.08% at Prunedale & 1.56% in San Juan Bautista. But, for households without a mortgage, insurance is 12.8% of costs ($398 in Salinas, CA) in contrast with 7.68% in Spreckels, 10.93% at Prunedale & 10.83% in San Juan Bautista.

Salinas, CA Home Values & Insurance rates

For example, insurance for 1,460 Homes (9.0% of total homes ) valued between $150,000 to $174,999 in Salinas, CA is about $343. Rates in nearby areas in such as Prunedale, San Juan Bautista, Elkhorn are cheaper by $80, $153, $102 respectively while Chualar and Gonzales are costlier by $210 and $56 respectively for similar homes.

Salinas, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 748 4.0% $49
$50,000 to $59,999 170 1.0% $110
$80,000 to $89,999 250 1.0% $177
$100,000 to $124,999 816 5.0% $232
$125,000 to $149,999 469 3.0% $288
$150,000 to $174,999 1,460 9.0% $343
$175,000 to $199,999 1,092 7.0% $398
$200,000 to $249,999 2,946 19.0% $478
$250,000 to $299,999 2,667 17.0% $582
$300,000 to $399,999 4,185 27.0% $741

Renters Insurance in Salinas

  • Average Renters Insurance in Salinas :  $171($14/month)

  • Median Gross Rent in Salinas :  $1,092

  • Salinas Renters Insurance to Median Rent Ratio:  1.28%

  • Average household size of renter-occupied unit :  3.77

Salinas Renters Insurance as a Percentage of Rent

Salinas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 393 1.0% $792
$300 to $499 861 3.0% $1242
$500 to $749 2,294 9.0% $1917
$750 to $999 5,913 25.0% $2667
$1,000 to $1,499 8,710 37.0% $3792
$1,500 or more 5,064 21.0% $5442

Rent Affordability in Salinas:

Approximately 49.0% (11,842) of households are spending more than 35% of their income on gross rent in Salinas

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,322 5.0%
15.0 to 19.9 percent 2,511 10.0%
20.0 to 24.9 percent 2,728 11.0%
25.0 to 29.9 percent 2,801 11.0%
30.0 to 34.9 percent 2,648 11.0%
35.0 percent or more 11,842 49.0%

Salinas Renters Insurance Discounts:

Salinas Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Salinas, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,797 41.0% $17.1
2 vehicles available 8,243 34.0% $25.65
3 or more vehicles available 3,476 14.0% $34.2

Protective device discount in Salinas Up to :  $25

Claims-free discount in Salinas Up to :  $34