For off-road vehicles, one of the more important factors that determine the annual cost of car insurance is where you choose to live. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The information below sorts the most costly cities in California for 4×4 vehicles to purchase auto insurance in. Stockton is listed at #13 having an annual price of $1,541 for the average policy, which is about $128 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | Fontana | $1,581 |
| 8 | San Bernardino | $1,580 |
| 9 | Garden Grove | $1,570 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Riverside | $1,542 |
| 13 | Stockton | $1,541 |
| 14 | Santa Ana | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,360 |
| 20 | Bakersfield | $1,353 |
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Rates are comparative as the specific geographic location can alter price quotes greatly.
Determining which company quotes the best insurance rates for 4×4 vehicles will involve a tad more effort in order to find the lowest price. Each auto insurer has a proprietary method to set policy rates, so let’s examine the most competitive insurance companies in Stockton, CA.
Find the Best Cheap Insurance for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the lowest car insurance rates in Stockton at around $1,143 annually. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the cheaper Stockton, CA insurance companies.
As shown in the rates above, if you are currently insured with Wawanesa and switched to USAA, you could realize a yearly savings of upwards of $14. Insureds with CSAA could save as much as $43 a year, and Century National insureds might lower prices by up to $47 a year.
If you would like to find cheaper car insurance rates, click here or feel free to get quotes from the companies below.
It’s important to note that these policy prices are averaged across all insureds and vehicles and and are not calculated with a specific location for 4×4 vehicles. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.
Get discounts on Stockton auto insurance
Car insurance companies that offer coverage for 4×4 vehicles may have price discounts that may potentially lower prices by 35% or more if you meet specific criteria. Larger insurance companies and some of the discounts include:
- State Farm has savings for Drive Safe & Save, multiple policy, student away at school, passive restraint, and driver’s education.
- GEICO offers discounts including seat belt use, driver training, multi-vehicle, anti-lock brakes, and anti-theft.
- Progressive may have discounts that include homeowner, continuous coverage, multi-policy, good student, online signing, online quote discount, and multi-vehicle.
- 21st Century includes discounts for student driver, anti-lock brakes, early bird, air bags, homeowners, and teen driver.
- American Family may include discounts for accident-free, good driver, bundled insurance, good student, defensive driver, mySafetyValet, and early bird.
- The Hartford discounts include driver training, bundle, good student, defensive driver, air bag, and anti-theft.
- AAA policyholders can earn discounts including good driver, anti-theft, AAA membership discount, good student, and multi-policy.
The information below shows the difference between insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, anti-theft, defensive driving course, vehicle safety, homeowner, and multiple vehicle discounts applied. When these discounts are applied, theaverage amount saved on insurance for 4×4 vehicles is 28% or $549.
Finding the top auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in California. The ranking information in the lists below can help you choose which companies to look at to insure your vehicles.
These rankings are for companies with a national presence, so smaller companies that only insure vehicles in California will not be included in these rankings. To compare rates from these top-rated insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how deductibles can influence insurance prices when quoting cheap insurance for 4×4 vehicles. The price estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could lower their car insurance rates by $408 a year by changing from a $100 deductible to a $500 deductible, or save $614 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could lower their rates up to $1,008 annually by choosing a larger deductible amount. When using a larger deductible, it will be important to have enough in a savings account to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.