Turlock, CA Car Insurance

How does Turlock stack up to the rest of the area, or even California as a whole? How much can residents of Turlock expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Turlock?

According to the chart above, the average cost of auto insurance in California is about $6 a month more expensive than it is in Turlock.

When stacked up against the national average, the average monthly policy payment for Turlock is more affordable. You can expect to pay about $31 less for your policy in Turlock than in the rest of U.S.

While these numbers represent the average monthly payments for coverage in Turlock, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't worry, we've done the work for you and broken down the average rates for Turlock to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates begin to increase again in Turlock.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. While this isn't true in Turlock, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Turlock, drivers with one accident on their record will experience rates around $60 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $63.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Turlock are usually SUVs, at $47 per month.

Car owners will see rates of about $51, while truck and van owners by and large pay around $48 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Turlock are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Turlock reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $5 a month less than drivers who own property in Turlock. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Turlock, CA

Recent trends in car insurance for Turlock drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

Auto insurance rates in Turlock dropped from 2017-2019, before leveling out in 2020. They finished up in 2022, at $57 per month

How does Turlock compare to neighboring areas?

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

Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

• Area regulations
• Amount of drivers
• Road Safety (frequency of car accidents)
• Prevalence of crime
• Access to off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Turlock?

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.

But hold on! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Turlock.

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Turlock Insurance FAQs

What factors affect car insurance quotes in Turlock?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

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 Turlock?

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