Determining which companies have the best auto insurance rates for drivers with a bad driving record will involve a little more work than just picking a company at random.
Each insurer uses a little different formula to determine rates, so let’s take a look at the overall cheapest auto insurance companies in Stockton, CA.
Cheapest Insurance Rates for Imperfect Drivers
|Rank||Company||Cost Per Year|
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USAA generally has some of the best car insurance rates in Stockton at around $1,143 a year. CSAA, Century National, Wawanesa, and Nationwide also make the cut as some of the best Stockton, CA insurance companies.
As shown in the rates above, if you are insured with Nationwide and switched to CSAA, you could see a yearly savings of approximately $77. Customers with 21st Century might save as much as $193 a year, and Grange policyholders might reduce prices by as much as $305 a year.
Understand that those premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for drivers with a bad driving record. So the insurer that has the cheapest rates for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own individual information.
The make and model of vehicle needing coverage is probably the biggest factor in finding the most affordable coverage for drivers with a bad driving record. Vehicles with higher performance characteristics, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.
The next list illustrates car insurance prices for a number of the most economical vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$4,033|
|Ford Escape XLS 4WD||$4,038|
|Chevrolet Silverado LS Regular Cab 4WD||$4,513|
|Dodge Grand Caravan CV||$4,558|
|Ford F-150 XL Crew Cab 2WD||$4,564|
|Toyota Tacoma 4WD||$4,558|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,738|
|Ford Explorer Limited AWD||$4,822|
|Ford Edge SEL AWD||$4,913|
|Toyota RAV4 4WD||$4,968|
|Chevrolet Impala LTZ||$4,995|
|Toyota Corolla S||$5,003|
|Chevrolet Malibu LTZ||$5,040|
|Chevrolet Equinox LTZ 2WD||$5,048|
|GMC Sierra SLT Extended Cab 4WD||$5,040|
|Hyundai Elantra Blue 4-Dr Sedan||$5,098|
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Table data represents single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle location which can modify rates greatly.
By looking at the data, models like the Honda CR-V, Ford Escape, Chevrolet Silverado, and Toyota Prius are likely to be the most economical vehicles to insure for bad drivers. The cost of a car insurance policy will trend higher just because there is a higher risk for drivers with a bad driving record, but generally speaking those vehicles will have the lowest insurance rates compared to all other vehicles.
Tickets and at-fault accidents raise rates
In a perfect world, the ideal way to obtain low auto insurance prices for bad drivers is to be a safe driver and have a clean driving record. The information below shows how traffic citations and accident claims increase auto insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in California per year with no accidents and a clean driving record is $1,882. Get written up for two speeding tickets and the average cost surges to $2,667, an increase of $785 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for drivers with a bad driving record jumps again to an average of $3,478. That’s an increase of $1,595, or $133 per month, just for not driving responsibly!
Discount Stockton auto insurance rates
Insurance providers that offer cheap quotes for drivers with a bad driving record may also give you price discounts that can reduce rates by as much as 35% or more if you are eligible to receive them. A list of auto insurance companies and some of their more popular discounts include:
- Farmers Insurance offers premium reductions for multi-car, alternative fuel, homeowner, teen driver, distant student, early shopping, and bundle discounts.
- State Farm may include discounts for Drive Safe & Save, multiple autos, safe vehicle, anti-theft, multiple policy, good driver, and driver’s education.
- Liberty Mutual offers discounts for new move discount, hybrid vehicle, newly married, safety features, good student, multi-policy, and new graduate.
- MetLife has savings for multi-policy, good driver, claim-free, accident-free, and good student.
- Progressive may offer discounts for online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, and online signing.
The information below visualizes the comparison of insurance prices with and without discounts applied to the policy premium. The costs are based on a female driver, one traffic citation and one accident, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, marriage, vehicle safety, paperless filing, multiple policy, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for drivers with a bad driving record is 28% or $1,383.
The information below demonstrates how deductible levels can change annual premium costs when trying to find cheap insurance for drivers with a bad driving record. The information is based on a married female driver, full coverage, and no other discounts are factored in.
A 40-year-old driver could lower rates by $360 a year by switching from a $100 deductible to a $500 deductible, or save $544 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, can save as much as $896 or more by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
How to find cheaper car insurance for drivers with a bad driving record
The list below details many thrifty solutions that can help Stockton drivers quote more affordable car insurance.
- Avoid getting tickets or violations
- At-fault accidents will increase rates
- Maintaining good credit helps earn cheaper rates
- Safer vehicles cost less to insure
- Earn discounts for being claim-free
- Keep rates low by comparing prices once a year
The last item on the list is notably significant, as was pointed out in this piece. Prices charged by auto insurers in Stockton can be modified anytime, so don’t be hesitant to change insurance companies if a lower price can be found. Staying with the same car insurance company is fine, but is isn’t recommended if that stubbornness costs you money that could be spent on other things. In less than five minutes you could compare rates to find cheaper car insurance for drivers with a bad driving record.
If you have coverage questions and would like to get help from a professional when buying car insurance for drivers with a bad driving record, the professional agents shown below can help you determine which insurance coverage you need. To find a Stockton insurance agent closest to you, click the button following the list.
Farmers Insurance – Jason Ramey
5250 Claremont Ave #138 – Stockton, CA 95207 – (209) 472-6080
Kim Martinez – State Farm Insurance Agent
4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010
Allstate Insurance Agent: Confidence Plus Insurance Services
6852 Pacific Ave b – Stockton, CA 95207 – (209) 473-4403
State Farm: Don Guzman
4719 Quail Lakes Dr f – Stockton, CA 95207 – (209) 473-9401