Cheapest Car Insurance Quotes in Salton City

Finding the cheapest car insurance quotes in Salton City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Salton City Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Salton City

The car insurance rate in Salton City is $1021 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, making it a popular choice for budget-conscious drivers. Rates in Salton City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Salton City

$1021

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Salton City

1st place: CSAA

At $648 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $822 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $870 for six months, making it the third cheapest auto insurance company in Salton City.

Salton City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Salton City, CA is CSAA, offering policies at just $648 for a six-month term. This is followed by USAA, which has an average six-month premium of $822.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $780 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Salton City drivers find the best deals.

Cheap Car Insurance Companies in Salton City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$648	$109
USAA	$822	$138
Mercury	$870	$146
AAA SoCal	$953	$163
Progressive	$1002	$169
Allstate	$1098	$185
Wawanesa	$1104	$186
AAA NorCal	$1116	$190
Auto Club	$1151	$192
State Farm	$1218	$205
AAA	$1386	$231
Kemper	$1434	$243
Farmers	$1602	$267
Capital Insurance Group	$714	$119
National General	$726	$123
State National	$738	$123
Hartford	$780	$132

Key Takeaways

Way's key takeaways about car insurance in Salton City

The auto insurance costs in Salton City fall around $648 for six months.
The cheapest auto insurance company in Salton City is CSAA.
Teen drivers pay the highest rate in Salton City at $68 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Salton City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Salton City are given below.

CSAA provides the cheapest minimum car insurance coverage in Salton City. Their Average 6 Month Premium is $156. 21st Century is the most expensive at $408 for the same period.

Cheapest Liability Coverage in Salton City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$156	$26
AAA	$276	$46
USAA	$288	$48
AAA NorCal	$300	$51
AAA SoCal	$342	$59
Progressive	$348	$59
Auto Club	$354	$61
State Farm	$366	$62
Wawanesa	$372	$63
Mercury	$396	$67
Allstate	$426	$72
Farmers	$510	$85
Kemper	$282	$47
Capital Insurance Group	$306	$53
State National	$324	$56
National General	$402	$67
21st Century	$408	$70

Cheapest Full Coverage Car Insurance in Salton City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Salton City is CSAA at $109 per month and $648 for six months.

Cheapest Full Coverage Car Insurance Quotes in Salton City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$648	$109
USAA	$822	$138
Mercury	$870	$146
AAA SoCal	$953	$163
Progressive	$1002	$169
Allstate	$1098	$185
Wawanesa	$1104	$186
AAA NorCal	$1116	$190
Auto Club	$1151	$192
State Farm	$1218	$205
AAA	$1386	$231
Kemper	$1434	$243
Farmers	$1602	$267
Capital Insurance Group	$714	$119
National General	$726	$123
State National	$738	$123
Hartford	$780	$132

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Salton City Instantly!

Average Car Insurance in Salton City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Salton City, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Salton City, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Salton City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Salton City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$591
30s	Wawanesa	$477
40s	Wawanesa	$477
50s	Wawanesa	$477
60s	Wawanesa	$477
70s	Wawanesa	$467

Cheapest Car Insurance Rates for Teen Drivers in Salton City,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Salton City at $39 per month. At $396 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$234	$39
Capital Insurance Group	$528	$88
USAA	$1259	$212
Mercury	$1278	$215
Wawanesa	$1404	$238
Progressive	$1470	$247
CSAA	$1770	$298
State Farm	$2100	$354
AAA SoCal	$2274	$387
Allstate	$2436	$410
Auto Club	$2598	$441
AAA NorCal	$3461	$577
Farmers	$3534	$601
State National	$378	$63
Marcury	$396	$68

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Salton City.

As young drivers face the highest rates in Salton City, Wawanesa offers the cheapest auto insurance rates at $591 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Salton City.

Car Insurance Rates with An Accident in Salton City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Salton City, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Salton City

The cheapest car insurance companies after an at-fault accident in Salton City include AAA and Capital Insurance Group, offering $384 and $551, respectively. 21st Century is an expensive provider with an average six-month premium of $690.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$384	$65
Capital Insurance Group	$551	$94
CSAA	$738	$124
USAA	$1104	$186
Progressive	$1278	$215
Mercury	$1355	$230
Wawanesa	$1559	$260
AAA SoCal	$1638	$279
Auto Club	$1728	$288
Farmers	$1776	$299
State Farm	$2112	$356
AAA NorCal	$2261	$385
Allstate	$2718	$458
State National	$456	$76
Hartford	$528	$90
National General	$606	$101
Nationwide	$653	$111
21st Century	$690	$115

Salton City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Salton City CA. For example, the car insurance in Salton City after a DUI increases to $1757 for a six month policy. While the rate increases by $461 for a six-month policy in the case of a speeding ticket.

Salton City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1098	$183
Not-at-fault accident	$1098	$187
One comp claim	$1098	$183
One Med/PIP claim	$1098	$187
Two comp claims	$1098	$183
Two Med/PIP claims	$1098	$187
At-fault accident - less than $1000	$1122	$187
Failure to show documents	$1446	$245
Driving with expired registration	$1476	$246
Driving without lights	$1476	$250
Failure to wear a seat belt	$1482	$247
Child safety restraint	$1494	$254
Speeding 11 - 15 MPH over limit	$1553	$259
Speeding 16 - 20 MPH over limit	$1553	$265
Driving too slowly	$1559	$260
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
In 65 MPH zone	$1559	$266
Speeding 21 - 25 MPH over limit	$1559	$260
Speeding 6 - 10 MPH over limit	$1559	$266
Speeding in school zone	$1559	$260
Improper passing	$1566	$267
Cell phone violation	$1572	$262
Texting while driving	$1572	$268
Passing school bus	$1590	$265
Wrong way/wrong lane	$1859	$316
Operating a vehicle without permission	$1902	$317
At-fault accident - $1000-$2000	$1914	$325
At-fault accident - greater than $2000	$1914	$319
Open container	$1920	$326
Driving with a suspended license	$2226	$371
Reckless driving	$2712	$462
Racing	$2742	$457
Leaving scene of an accident/hit and run	$2753	$469
DUI	$2855	$476
Refusal to submit to a chemical test	$2855	$486

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Salton City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Salton City.

The cheapest car insurance premiums in Salton City are offered by AAA at $755 for a six-month policy. However, it can be as expensive as $636 with companies like Kemper.

Salton City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$755	$128
Capital Insurance Group	$822	$137
Mercury	$978	$165
Progressive	$1446	$243
Wawanesa	$1757	$299
Farmers	$1865	$314
USAA	$1986	$334
CSAA	$2100	$354
AAA SoCal	$3036	$516
Auto Club	$3473	$579
AAA NorCal	$4002	$681
State Farm	$4271	$719
Allstate	$4398	$740
Travelers	$846	$141
National General	$396	$66
Kemper	$636	$106

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Salton City are offered by CSAA at $96. However, it can be as expensive as $456 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Salton City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$96	$16
Capital Insurance Group	$528	$88
Mercury	$900	$152
USAA	$942	$157
Progressive	$1014	$171
AAA NorCal	$1404	$234
AAA SoCal	$1506	$257
Allstate	$1548	$258
State Farm	$1638	$279
Farmers	$2267	$378
AAA	$294	$49
Kemper	$372	$64
National General	$396	$66
State National	$456	$78

Car Insurance Price Trends in Salton City, California

Car insurance rates in Salton City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Salton City rose by $194 in December compared to $192 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Salton City rose to $55 in December, compared to $53 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Salton City?

The car insurance in Salton City is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Salton City?

The cheapest car insurance in Salton City is $109 per month for full coverage.

How much is car insurance in Salton City for teenagers?

Car insurance for teenagers costs $234 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Salton City?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $172 per month to insure your car in Salton City.

Is car insurance expensive in Salton City?

Car insurance can be expensive in Salton City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Salton City can be affordable.

Cheapest Car Insurance Quotes in Salton City

Why you can trust Way?

How Much Is Car Insurance in Salton City

Avg. Car Insurance in Salton City

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Salton City

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Salton City Car Insurance Rates by Company

Cheap Car Insurance Companies in Salton City, CA

Way's key takeaways about car insurance in Salton City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Salton City

Cheapest Liability Coverage in Salton City, CA

Cheapest Full Coverage Car Insurance in Salton City

Cheapest Full Coverage Car Insurance Quotes in Salton City, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Salton City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Salton City, CA increasing?

Car Insurance Premiums by Age in Salton City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Salton City,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Salton City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Salton City

Cheapest Car Insurance Companies after an At-Fault Accident in Salton City

Salton City Car Insurance Rates by Violation

Salton City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Salton City after a DUI

Salton City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Salton City after Speeding ticket

Car Insurance Price Trends in Salton City, California

Average Car Insurance Cost in Salton City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Salton City, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources