One of the many factors that are looked at to determine car insurance rates is where you live in Stockton. Cities with larger populations will most likely pay more, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The following table ranks the most expensive areas in California for immigrants to purchase a policy in. Stockton is listed at #10 with an annual rate of $1,541 for coverage, which is about $128 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,628 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,554 |
| 10 | Stockton | $1,541 |
| 11 | Moreno Valley | $1,536 |
| 12 | Fontana | $1,519 |
| 13 | Modesto | $1,487 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | San Diego | $1,368 |
| 21 | Huntington Beach | $1,360 |
| 22 | Chula Vista | $1,350 |
| 23 | Oxnard | $1,344 |
| 24 | Irvine | $1,343 |
| 25 | Bakersfield | $1,340 |
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Annual rates are approximated as the specific geographic location can revise premium rates considerably.
Finding good, low-cost insurance is not the easiest thing to do, and determining which company has the cheapest insurance rates for immigrants takes additional perseverance.
Each company uses their own method to set policy rates, so let’s begin by examining the overall cheapest insurance companies in California. It’s important that readers know that Stockton, CA insurance rates are based on many factors which can substantially decrease or increase your annual premium. This is why Stockton drivers need to compare as many rates as possible to get cheap car insurance quotes for immigrants. Car insurance prices are influenced by many things and change frequently, so the most economical company the last time you shopped around may now be an over-priced policy.
Best Cheap Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,512 |
| 9 | Mercury | $1,533 |
| 10 | Allstate | $1,559 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,026 |
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USAA offers some of the cheapest car insurance rates in Stockton at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper Stockton, CA car insurance companies.
In the above rates, if you are currently insured with Century National and switched to USAA, you might achieve savings of approximately $35. California drivers with CSAA could save as much as $55 a year, and Nationwide insureds might cut rates by $107 a year.
If you would like to find cheaper car insurance rates, click here to begin a quote or click several companies below for low rates.
Remember that these premiums are averages for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for immigrants. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That’s why you need to compare rates from multiple companies using your own individual information.
The type of vehicle to be insured is a large factor in finding low-cost insurance for immigrants. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than higher performance models.
The list below presents insurance rates for the most budget-friendly vehicles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,156 |
| Ford Explorer Eddie Bauer 2WD | $1,266 |
| Ford F-150 XL Regular Cab 2WD | $1,275 |
| Honda CR-V LX 2WD | $1,278 |
| Toyota RAV4 Sport 4WD | $1,338 |
| Honda Odyssey LX | $1,357 |
| Dodge Grand Caravan SXT | $1,364 |
| Toyota Prius | $1,379 |
| Honda Accord EX-L 4-Dr Sedan | $1,381 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,386 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,410 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,436 |
| Ford Edge SE AWD | $1,439 |
| Jeep Grand Cherokee Laredo 2WD | $1,467 |
| Chevrolet Impala LT | $1,477 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,503 |
| Kia Optima SX | $1,534 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,544 |
| Toyota Corolla XRS | $1,575 |
| Chevrolet Equinox LTZ AWD | $1,582 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes considerably.
Based upon these rates, makes and models like the Ford Escape, Ford Explorer, Ford F-150, Honda CR-V, and Toyota RAV4 are most likely to be a few of the cheapest vehicles to insure for foreigners.
Finding the highest-rated auto insurance company can be challenging considering how many companies provide coverage in California. The company rank data listed below may help you decide which auto insurers to look at shopping prices with.
The ratings below are only comprised of companies with a nationwide focus, so companies that have a smaller presence are not included in the list. To compare prices and find cheaper insurance for immigrants, 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 information below shows how choosing a deductible can change insurance costs when researching cheap insurance for immigrants. The costs are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could pocket $300 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave as much as $750 annually by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it will be required to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Liability-only versus full coverage
Saving money when shopping for insurance is the goal of most people, and a great way to lower the cost of insurance for immigrants is to only buy liability insurance. The example below shows the comparison of annual premium costs with liability coverage only compared to full coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied to the premium.
If the expense is averaged for all age categories, physical damage insurance costs an extra $2,075 per year over and above liability only. That amount may make you wonder if it’s worth it to buy full coverage. There isn’t a steadfast formula to delete comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
Ideas for finding more affordable auto insurance for immigrants
The list below shows some of the recommended penny-pinching suggestions that can help Stockton drivers buy low-cost car insurance.
- Staying accident-free helps keep rates low
- Higher deductibles mean lower rates
- Buy a safer vehicle
- Serious violations like DUI or reckless driving can increase rates dramatically
- Remove physical damage coverage on older vehicles
- Higher credit ratings may save you money
- Compare rates once a year for cheaper prices
That last idea is especially important, as was discussed in this article. Coverage prices in Stockton adjust often, so don’t be afraid to change insurance companies if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for immigrants.