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Turlock Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1030 less every year
San Joaquin Valley Elevation 102 ft Population Pop. 75,000
$1,870
Avg. Full Coverage
26%
Below State Avg
28min
Avg. Commute
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$1,870 Avg. Annual Full Coverage
$156 Monthly Premium (Clean Record)
26% Below CA Average
$78 Monthly Liability Only
28 min Average Commute Time
Excellent News for Turlock Residents!
Turlock's auto insurance rates are 26% below CA average of $2,532/year. With comprehensive coverage averaging just $1,870 annually, you're saving $662/year compared to the typical CA driver.

Turlock Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $662/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low

Tule fog, heat. Annual rainfall 12 inches.

Annual Weather Data

Thunderstorm Days 3 per year
Annual Rainfall 12 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January

Wildfire Risk:

N/A

Common Weather-Related Claims

Tule fog crash

Coverage: Comprehensive

Heat damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog

Wildfire Season

  • 6 second following
Data Sources: NOAA, Stanislaus OES

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Accident Risk Analysis

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

CA-99 and students. At-fault rate 13.6%.

Key Statistics

At-Fault Rate (Turlock) 13.6%
National Average 12%
Commuter-Related Crashes 45%
Tourist-Related Crashes 6%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $156
Annual Full Coverage $1,870
Savings vs. CA Average 26% lower

Common Accident Types

Rear-end on CA-99

Student driver error at Geer & Monte Vista

Farm equipment merge

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-99 & Fulkerth Rd

Geer Rd & Monte Vista Ave

Golden State Blvd & Taylor Rd

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Moderate. Theft 2.2 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 11.2 per 1,000
Burglary Rate 310 per 100,000
Violent Crime Rate 3 per 1,000
Theft Increase (2023-2025) +12%

Most Stolen Vehicles in Turlock

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

High Theft Zones

Exercise Extra Caution in These Areas:

CSU Stanislaus lot

Downtown

Recommended Anti-Theft Measures

Covered parking

Steering lock

Data Sources: Turlock PD 2024

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Seasonal Driving Risks in Turlock

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Turlock

Claim Distribution

Comprehensive33%
Collision57%
Liability10%

Average Payouts

Comprehensive$4,700
Collision$6,400

Notable Trends

Smoke Damage Claims +110% (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
Speed CamerasNo
Source: CA DMV

Turlock Location & Geography

Agricultural and university town. CSU Stanislaus, dairy, and Central Valley hub.

City
Turlock
State
CA (CA)
ZIP Codes
95380, 95382
County
Stanislaus County
Region
San Joaquin Valley
Population
75,000
Growth Rate (2020-2025)
2.3%
Land Area
16.9 sq miles
Population Density
4,438 per sq mi
Elevation
102 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Modesto, CA MSA

Major Roadways

CA-99

Fulkerth Rd

Geer Rd

Monte Vista Ave

Golden State Blvd

Insurance Cost Comparison

Coverage Type Turlock Average California Average National Average Your Savings
Full Coverage $1,870/year $2,532/year $2,030/year 26% lower

Demographics & Driving Behavior

Median age 35. 24% drivers 16–24. DUI 2.6 per 1,000.

Age Demographics

Median Age (Turlock) 35
U.S. Median Age 38.8
Drivers Aged 16-24 24%

DUI & Violations

DUI Rate (Turlock) 2.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +83%
Speeding (15+ mph) +24%
At-Fault Accident +43%

Frequently Asked Questions

Credit in Turlock?
No. CA bans credit.
Comprehensive needed?
Yes — for fog.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, Mercury.

Expert Recommendations for Turlock Drivers

Coverage & Savings Tips

  • Get your Turlock quote now.
  • Bundle auto + renters for 25% savings.
  • Add comprehensive for fog.
  • Student driver training discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 38% off.

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Overall Risk Assessment

Moderate-High overall; 26% below CA average due to student transit and lower theft. Elevated by fog and CA-99. Annual full coverage $1,870.

Last Updated: 2025-11-07