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Manteca Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1005 less every year
Central Valley Elevation 36 ft Population Pop. 89,000
$1,895
Avg. Full Coverage
25%
Below State Avg
31min
Avg. Commute
Get Free Quote - Save $625

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$1,895 Avg. Annual Full Coverage
$158 Monthly Premium (Clean Record)
25% Below CA Average
$80 Monthly Liability Only
31 min Average Commute Time
Excellent News for Manteca Residents!
Manteca's auto insurance rates are 25% below CA average of $2,532/year. With comprehensive coverage averaging just $1,895 annually, you're saving $637/year compared to the typical CA driver.

Manteca Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $637/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Moderate (smoke from Delta/Sierra)

Dense tule fog, extreme heat, and wildfire smoke. Annual rainfall 16 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 16 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • South Manteca
  • Lathrop

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog pileups on I-5/CA-99

Coverage: Collision

Heat tire blowouts

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Hail on trucks

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in dense fog
  • 7+ second following in rain

Wildfire Season

  • Recirculate air in smoke
  • Check tire pressure weekly in heat
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

High Risk Level — At-fault accident rate...

Major truck corridors. At-fault rate 13.9%. Warehouse traffic and growth.

Key Statistics

At-Fault Rate (Manteca) 13.9%
National Average 12%
Commuter-Related Crashes 48%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $80
Monthly Full Coverage (Clean) $158
Annual Full Coverage $1,895
Savings vs. CA Average 25% lower

Common Accident Types

Truck rear-end on I-5

Intersection at Yosemite & Union

Warehouse lot collisions

CA-120 merge crashes

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-5 & CA-120

CA-99 & Lathrop Rd

Yosemite Ave & Union Rd

Peak Accident Months

November December January
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

Moderate-high. Theft 2.5 per 1,000. Warehouse and retail.

Crime Statistics

Motor Vehicle Theft Rate 2.5 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 13.9 per 1,000
Burglary Rate 390 per 100,000
Violent Crime Rate 4 per 1,000
Theft Increase (2023-2025) +16%

Most Stolen Vehicles in Manteca

  1. Ford F-150
  2. Chevy Silverado
  3. Honda Civic
  4. Toyota Camry

High Theft Zones

Exercise Extra Caution in These Areas:

Warehouse districts

Bass Pro Shops parking

Big box retail lots

Recommended Anti-Theft Measures

GPS tracking

Alarm + immobilizer

Secure warehouse parking

Data Sources: Manteca PD 2024, FBI UCR

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Seasonal Driving Risks in Manteca

❄️

Winter

Dense fog, flooding

🌸

Spring

Pollen, construction

☀️

Summer

Smoke, heat

🍂

Fall

Harvest, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Manteca

Claim Distribution

Comprehensive28%
Collision63%
Liability9%

Average Payouts

Comprehensive$4,200
Collision$6,000

Notable Trends

Smoke Damage Claims +160% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasYes (select intersections)
Speed CamerasNo
Source: CA DMV

Manteca Location & Geography

Fast-growing logistics and distribution hub at I-5/CA-99/CA-120 junction. Known for Bass Pro Shops, Dell’Osso Farm, and family-friendly communities.

City
Manteca
State
CA (CA)
ZIP Codes
95336, 95337
County
San Joaquin County
Region
Central Valley
Population
89,000
Growth Rate (2020-2025)
4.2%
Land Area
21 sq miles
Population Density
4,238 per sq mi
Elevation
36 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Stockton-Lodi, CA MSA

Major Roadways

I-5

CA-99

CA-120

Lathrop Rd

Yosemite Ave

Union Rd

Insurance Cost Comparison

Coverage Type Manteca Average California Average National Average Your Savings
Full Coverage $1,895/year $2,532/year $2,030/year 25% lower

Demographics & Driving Behavior

Median age 37. 23% drivers 16–24. DUI 2.7 per 1,000.

Age Demographics

Median Age (Manteca) 37
U.S. Median Age 38.8
Drivers Aged 16-24 23%

DUI & Violations

DUI Rate (Manteca) 2.7 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +79%
Speeding (15+ mph) +25%
At-Fault Accident +45%

Frequently Asked Questions

Credit in Manteca?
No. CA bans credit.
Comprehensive needed?
Yes — for fog, smoke, and hail.
Red light cameras?
Yes, at select intersections.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Manteca Drivers

Coverage & Savings Tips

  • Get your Manteca quote now.
  • Bundle for 25% savings.
  • Add comprehensive for fog and smoke.
  • Warehouse workers: High mileage plans.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 25% below CA average due to growth but elevated by I-5/CA-99, fog, and truck traffic. Annual full coverage $1,895.

Last Updated: 2025-11-07