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How much is car insurance in Lathrop?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Lathrop than it is in the rest of California.
If you're thinking of moving to Lathrop from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $36 more expensive than in Lathrop.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Lathrop to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Lathrop may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Lathrop is around $9 per month. Based on the chart above, you can see that male drivers pay $49 on average, while female drivers typically pay $40 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Lathrop, having a single accident on your record will usually get you rates around $63 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $46.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$41|
The cheapest vehicles to insure in Lathrop are by and large SUVs and cars, with each type typically costing about $45 per month.
SUV owners will see rates of about $45, while truck and van owners usually pay around $47 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Lathrop, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
On average, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Lathrop as well, where the difference is around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $3 a month more than homeowners in Lathrop. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Lathrop, CA
Recent trends in car insurance for Lathrop drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Lathrop, auto insurance rates dropped from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $43.
How does Lathrop compare to neighboring areas?
Why are car insurance rates in Lathrop different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Number of drivers in the area
- Area crime rates
- Rate of car accidents
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Lathrop?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Lathrop.
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Lathrop Insurance FAQs
What factors affect car insurance quotes in Lathrop?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Lathrop different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Lathrop?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lathrop?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lathrop or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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