Merced, CA Car Insurance

On average, Merced drivers pay around $48 a month for their car insurance. To find out more check out our guide below.
How do rates in Merced measure up compared to neighboring areas, including California as a whole? How much can residents of Merced expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Merced?

Area Average Monthly Car Insurance Premium
Merced$48
CA$56
United States$80

Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Merced than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Merced. The average monthly payment for the U.S. as a whole is about $32 more expensive than in Merced.

Keep in mind that while these are the average car insurance rates for Merced, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

But worry not, we've done the heavy lifting and broken down the average rate for Merced to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$43
35-44$38
45-54$34
55-64$38
65+$42

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Merced drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$45

On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Merced, where women pay around $6 less a month. As you can see in the table above, female drivers in the area typically pay $45 on average, while female drivers typically pay $51 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$57
Multiple Accidents$81
1 Ticket$54
Multiple Tickets$82

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Merced with a single accident on their record is about $57 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $54.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$48
4-5 Years$39
6-7 Years$60
8-10 Years$50
11-14 Years$50
15 Years or Older$44

The most affordable vehicles to insure in Merced are typically trucks and vans, which run about $41 per month.

Car owners, on the other hand, usually pay around $47 per month, while SUV drivers can expect to pay about $58 a month for insurance.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Merced, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$37
Divorced$38
Widowed$38

Overall, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In Merced, the difference in rates based on relationship status can be as much as $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$46
Live with parents$61

Another factor that comes into play is your living accommodations. Those who own their own home in Merced can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Merced, CA

Recent trends in car insurance for Merced drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for auto insurance in Merced had been increasing from 2016-2017, when they reached a high of $58. This trend changed in 2020, when they began to decrease, and have continued to do so through the present, when rates hit a low of $44 per month.

How does Merced compare to neighboring areas?

Why are car insurance rates in Merced different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Off-street parking accessibility
  • Road Safety (total number of local car accidents)
  • Local crime rates
  • Community regulations
  • Number of drivers in the area

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 get started.

How can I find the cheapest car insurance in Merced?

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.

Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Merced.

Compare the cheapest quotes from dozens of insurance companies

Merced Insurance FAQs

What factors affect car insurance quotes in Merced?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Merced 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 Merced?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Merced?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Merced or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes