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How much is car insurance in Manteca?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Manteca are about $6 a month cheaper than in the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Manteca are below the national average. It's about $31 cheaper to insure your vehicle in Manteca compared to the average rate for the U.S. as a whole.
These rates may be the average amount Manteca residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Manteca so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may rise again in Manteca.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Manteca, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Manteca with a single accident will pay around $55 a month. In addition, drivers with a single ticket on their record can expect to pay around $57 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$47|
As you can see in the first table above, the cheapest vehicles to insure in Manteca are typically SUVs, trucks, and vans, which run about $48 per month.
The bill for car owners, on the other hand, is closer to $50 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Manteca are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
More often than not, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something 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 Manteca as well, where the difference is around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your housing status. Renters can expect to pay around $3 a month less than drivers who own property in Manteca. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Manteca, CA
Recent trends in car insurance for Manteca drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Car insurance rates in Manteca rose from 2017-2018, before leveling out in 2019. They finished up in 2022, at $56 per month
How does Manteca compare to neighboring areas?
Why are car insurance rates in Manteca different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Local crime rates
- Area regulations
- Off-street parking access
- Number of drivers
- General road safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Manteca?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Manteca in no time.
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Manteca Insurance FAQs
What factors affect car insurance quotes in Manteca?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Manteca different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Manteca?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Manteca?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Manteca or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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