Patterson, CA Car Insurance

Drivers in Patterson pay, on average, $54 a month for their car insurance. Read our guide below to learn more about your specific rates.
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What rates can residents of Patterson expect to pay for their car insurance? How do rates in Patterson measure up compared to neighboring areas, including California as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Patterson?

Area Average Monthly Car Insurance Premium
Patterson$54
CA$56
United States$81

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

Similarly, car insurance rates in Patterson are often favorable when viewed against the rest of the country. The average monthly payment in Patterson is about $27 cheaper than the rate for the rest of the U.S.

While these are the average car insurance rates for Patterson, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get 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.

Don't worry, we've done the work for you and broken down the average rates for Patterson to help you understand what your monthly premium might be. To find out if you're overpaying for your area, 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$83
25-34$48
35-44$39
45-54$47
55-64$42
65+$45

The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $38 more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Patterson.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$56

On average, female drivers pay slightly less for car insurance than their male counterparts. In Patterson, although men do pay a little bit less on their monthly premiums, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$86
1 Ticket$56
Multiple Tickets$61

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Patterson, a driving record with one accident will usually get you a rate around $64 a month. In addition, drivers with one ticket can expect to pay around $56 a month on average.

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

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$49
4-5 Years$62
6-7 Years$49
8-10 Years$57
11-14 Years$58
15 Years or Older$51

According to the first table above, the cheapest vehicles to insure in Patterson are typically SUVs, at $48 per month.

Truck and van drivers will see rates of about $56, while the rates for SUV owners average out to about $48 a month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Patterson, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$52
Divorced$43
Widowed$42

More often than not, married policyholders will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Patterson follows that pattern, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$49
Live with parents$75

Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month less than those who own their own home in Patterson. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Patterson, CA

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Patterson had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $49 per month.

How does Patterson compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Crime
  • Total number of drivers in the community
  • Regional regulations
  • Number of car accidents
  • Off-street parking access

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Patterson.


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Patterson Insurance FAQs

What factors affect car insurance quotes in Patterson?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Patterson 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 Patterson?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

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 Patterson or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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