One of the many components that are looked at to help calculate the price you pay for insurance is the neighborhood you call home. Regions with larger populations or more claims tend to pay more, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The illustration below ranks the most expensive areas in California for felons to buy auto insurance in. Stockton comes in at #10 having an annual price of $1,556 for coverage, which is around $130 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Garden Grove | $1,570 |
| 8 | Fontana | $1,566 |
| 9 | Long Beach | $1,562 |
| 10 | Stockton | $1,556 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,453 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,381 |
| 20 | San Diego | $1,368 |
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Rates are estimated as zip code location can change rates greatly.
The type of vehicle you are trying to insure is a large factor when consumers are trying to find the cheapest coverage for felons. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of liability claims will cost substantially less to insure than higher performance models.
The data below showcases auto insurance costs for the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Super Cab 4WD | $1,289 |
| Honda CR-V EX 2WD | $1,316 |
| Toyota Tacoma 2WD | $1,335 |
| Toyota RAV4 Limited 2WD | $1,360 |
| Chevrolet Malibu Hybrid | $1,368 |
| Ford Escape XLS 2WD | $1,408 |
| Honda Accord EX-L 4-Dr Sedan | $1,425 |
| Hyundai Elantra SE Touring Station Wagon | $1,435 |
| Honda Odyssey EX-L W/Navigation | $1,430 |
| Ford Explorer XLT 4WD | $1,477 |
| Dodge Ram Crew Cab ST 4WD | $1,484 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,537 |
| Toyota Camry Hybrid | $1,554 |
| Chevrolet Impala LT | $1,557 |
| Toyota Prius | $1,567 |
| Dodge Grand Caravan Crew | $1,586 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,613 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,625 |
| Ford Edge SEL 2WD | $1,632 |
| Toyota Corolla S | $1,639 |
| Jeep Grand Cherokee Laredo 4WD | $1,666 |
| Toyota Camry LE | $1,671 |
| Chevrolet Equinox LS AWD | $1,666 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can alter premium rates considerably.
Looking at the numbers, you can figure that vehicles like the Ford F-150, Honda CR-V, and Toyota Tacoma will definitely be some of the most budget-friendly vehicles to insure for felons.
Establishing which company has the lowest-priced insurance rates for felons will require more time in order to find coverage that fits your budget. Each insurance company used slightly different criteria to determine premium rates, so let’s take a look at the most affordable insurance companies in Stockton.
It’s important to know that California insurance rates are impacted by many factors that can increase your annual premium. Improving your credit score, moving to a new city, or having an at-fault accident can trigger changes in premium that can cause some rates to be cheaper than before.
Lowest Insurance Price Quotes for Felons
USAA may offer some of the cheapest car insurance rates in Stockton at around $1,143 a year. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the best Stockton, CA auto insurance companies.
As depicted above, if you are a customer of Nationwide and switched to USAA, you may realize annual savings of roughly $70. Drivers with Century National could save as much as $71 a year, and CSAA customers might realize rate reductions of up to $79 a year.
To discover how much you can save, click here to get quotes or feel free to get quotes from the companies below.
Bear in mind that those premiums are averages across all insureds and vehicles and and are not calculated with an exact vehicle garaging location for felons. So the car insurance company that fits your age and vehicle best may not even be in the list above. That point stresses why you need to get quotes using your own driver data and vehicle information.
The illustration below illustrates how your deductible choice can affect insurance premiums when quoting cheap insurance for felons. The data is based on a single male driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 50-year-old driver could lower their policy premium by $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, could save $1,190 or more by selecting a higher deductible.
When choosing a higher deductible, it will now be necessary to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Get discounts on Stockton car insurance
Insurers that provide coverage for felons may also offer premium discounts that could lower prices by 25% or more if you can meet the requirements. Large insurance companies and their possible discounts include:
- State Farm has savings for accident-free, safe vehicle, passive restraint, multiple policy, good driver, and multiple autos.
- American Family offers premium reductions for TimeAway discount, good student, defensive driver, air bags, bundled insurance, multi-vehicle, and accident-free.
- AAA may have discounts that include multi-car, AAA membership discount, multi-policy, education and occupation, and good driver.
- GEICO includes discounts for anti-theft, driver training, emergency military deployment, seat belt use, and federal employee.
- Mercury Insurance offers discounts including location of vehicle, annual mileage, anti-theft, ease of repair, professional/association, low natural disaster claims, and age of vehicle.
- Farmers Insurance may include discounts for good student, pay in full, distant student, youthful driver, and switch companies.
- Progressive discounts include online signing, good student, multi-vehicle, homeowner, continuous coverage, and multi-policy.
The illustration below shows the comparison of insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, claim-free, safe-driver, marriage, vehicle safety, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for felons is 28% or $695.
Why it’s important to shop around
Stockton insurance rates are influenced by many factors that may substantially change the price you pay for coverage. Getting older, moving across town, or getting a few speeding tickets may generate price changes that may make certain companies cheaper than competitors. Also, auto insurance companies file new rates multiple times each year to ensure their profitability. Significantly higher losses may cause more expensive premiums, while a profitable period may produce more affordable Stockton car insurance rates.
To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Stockton, CA for a 30-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on her current risk profile, USAA might quote the best car insurance rates in Stockton at $1,363 a year. This is $288 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the cheapest Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart some claims, a little lower credit rating, and a stop sign violation. Because each company has a different process to set their prices, comparing insurance quotes could now result in a new list of affordable Stockton car insurance companies as shown below.
Grange now has the cheapest insurance rate in Stockton with Mercury, GEICO, Progressive, and Allstate now being in the top five. This example shows why it is critical to compare many different companies to get the most affordable car insurance rates for felons. Rates are influenced by many risk factors and can change substantially, so the cheapest rate the last time you checked may now not even be in the top five.
How to find cheaper car insurance for felons
The list below shows some money-saving ideas that can help California drivers quote lower-cost coverage.
- Assess whether full coverage is needed
- Higher deductibles save money
- Avoid accidents and claims
- Avoid getting citations and tickets
- Improve your credit rating
- Lower rates by purchasing a safer vehicle
- Keep rates low by comparing prices once a year
The last suggestion is extraordinarily critical, as we stressed in this write-up. Insurance prices fluctuate constantly, so drivers shouldn’t be resistant to buy a different policy if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty ends up costing big bucks every year. It only takes a couple minutes to compare prices to find cheaper insurance for felons in Stockton.
If you aren’t sure which coverage you need and prefer to have some professional guidance when comparing insurance rates for felons, the agencies below can aid you in deciding which auto insurance policy would work best for you.
To find a Stockton insurance agent in your neighborhood, click the button at the bottom or click here to compare prices now.
- Lucchesi Jr Dan A
2522 Grand Canal Blvd # 9 – Stockton, CA 95207 – (209) 957-6515 - Farmers Insurance – Reklai Salazar
7843 N Pershing Ave – Stockton, CA 95207 – (209) 407-4000 - Truex Insurance Agency
4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 - Ann Harvie – State Farm Insurance Agent
5637 N Pershing Ave, Ste E22 – Stockton, CA 95207 – (209) 956-2525