Patterson, CA Car Insurance

Residents of Patterson pay around $54 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
What should residents of Patterson expect to pay for their car insurance? Compared to their surrounding area, how do rates in Patterson stack up? What about against the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Patterson?

Area Average Monthly Car Insurance Premium
Patterson$54
CA$56
United States$80

Based on the chart above, you can see that car insurance rates in Patterson are in line with rates across the rest of California.

Compared to the rest of the country, auto insurance in Patterson is more affordable. You can expect to pay about $26 below the national average for auto insurance in Patterson.

While these are the average car insurance rates for Patterson, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

But don't worry, we've broken down average rates for Patterson residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$48
35-44$38
45-54$47
55-64$41
65+$46

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Patterson.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$57

Despite the national trend of women paying less than men for auto insurance coverage, in Patterson men actually pay $52 per month for coverage while women pay $57.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$82
1 Ticket$81
Multiple Tickets$30

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Patterson with one accident will pay around $72 a month. Similarly, drivers with one ticket will typically pay around $81 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$47
4-5 Years$62
6-7 Years$49
8-10 Years$58
11-14 Years$58
15 Years or Older$51

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Patterson, with drivers paying around $46 per month for insurance.

SUV drivers will see rates of about $47, while the rates for car owners average out to about $57 a month.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Patterson are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$52
Divorced$43
Widowed$42

Overall, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Patterson as well, where the difference is around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$48
Live with parents$75

Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month less than homeowners in Patterson. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Patterson, CA

Recent trends in car insurance for Patterson drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Patterson, auto insurance rates increased from 2016-2018, before leveling out in 2019. Rates finished down in 2021, at $58 per month

How does Patterson compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area laws
  • Off-street parking access
  • Rate of crime
  • Total number of drivers in the community
  • Road Safety (frequency of car accidents)

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. With the knowledge 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 Patterson?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Patterson.

Compare the cheapest quotes from dozens of insurance companies

Patterson Insurance FAQs

What factors affect car insurance quotes in Patterson?

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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Patterson different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Patterson?

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 Patterson?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Patterson or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes