How to find cheaper Stockton car insurance rates

The recommended way to get cheaper car insurance prices is to compare prices once a year from insurers in Stockton. This can be done by following these steps.

First, get an understanding of how companies price auto insurance and the things you can control to keep rates in check. Many rating factors that are responsible for high rates like inattentive driving and a substandard credit score can be amended by making minor changes in your lifestyle.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers.

Third, compare the price quotes to your current policy premium to see if a cheaper rate is available in Stockton. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.

Fourth, provide written notification to your current company of your decision to cancel your current car insurance policy. Submit a down payment and signed policy application to your new insurance company. As soon as coverage is bound, keep your new certificate verifying coverage in an easily accessible location.

One key aspect of rate comparisons is to try to compare identical limits and deductibles on every price quote and and to get prices from every company you can. This provides an accurate price comparison and a complete rate analysis.

Policy rates for auto insurance coverage depends on a lot of factors, but the average policy price in Stockton is about $1,430 each year. Other states average around $1,230, so Stockton drivers pay roughly $17 more each month than drivers in other states.

The cost of auto insurance in Stockton depends on many different variables, and one of the main factors is the type of car or truck you own. The next table shows the policy premium for some of the most popular vehicles insured in Stockton.

Auto Insurance Rates for Popular Vehicles in Stockton
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $962 $481 $80
Chevrolet Malibu LTZ $1,124 $562 $94
Chevrolet Silverado Crew Cab Hybrid 2WD $1,180 $590 $98
Dodge Grand Caravan Hero $1,048 $524 $87
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,220 $610 $102
Ford Edge Limited 2WD $1,028 $514 $86
Ford Escape XLT 2WD $886 $443 $74
Ford F-150 XLT Crew Cab 2WD $992 $496 $83
Ford Focus SEL 4-Dr Sedan $1,082 $541 $90
Ford Fusion SEL 4-Dr Sedan $1,124 $562 $94
Honda Accord EX 2-Dr Coupe $1,178 $589 $98
Honda CR-V EX-L 2WD $906 $453 $76
Honda Civic VP 4-Dr Sedan $1,082 $541 $90
Honda Odyssey EX-L $1,102 $551 $92
Hyundai Sonata SE 4-Dr Sedan $1,178 $589 $98
Nissan Altima 2.5 S 4-Dr Sedan $1,102 $551 $92
Toyota Camry LE $1,048 $524 $87
Toyota Corolla XRS $1,124 $562 $94
Volkswagen Jetta SE 2.5 Station Wagon $1,038 $519 $87
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific location information which can raise or lower insurance rates substantially.

Slash your auto insurance rates with discounts

The example below compares premium costs with and without discounts applied to the rates. The information is based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-car, multi-policy, and safe-driver discounts applied.

Brand loyalty may be costing you hundreds every year. Compare rates now and save.

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Stockton, California Car Insurance Company Rankings
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
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Top 10 cheapest vehicles to insure in Stockton, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Mazda 5
Chevrolet Colorado
Mazda MX-5 Miata

Top 10 most expensive vehicles to insure in Stockton, CA
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Porsche 911

Top 10 safest vehicles to insure in Stockton, CA
Jeep Grand Cherokee
Toyota FJ Cruiser
GMC Yukon
Toyota Tacoma
Ford Escape
Infiniti QX56
Jeep Liberty
Chevrolet Silverado
Ford F-150
Chevrolet Suburban