Wouldn’t it be nice if we could magically tell you the single best car insurance company that has the cheapest coverage for low mileage drivers? It’s just not that easy, however, as there are a whole bunch of unknown factors like what liability limits you need, whether you just want liability only, and the neighborhood you live in. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to pay less and will hopefully give the reader a good start in finding the cheapest insurance in California.
Deciding which insurers offer the lowest-priced insurance rates for low mileage drivers may require a bit more work than just getting one or two price quotes.
Every insurance company has their own process to set their prices, so let’s take a look at the insurance companies that tend to be cheaper in California. Keep in mind that Stockton insurance rates are calculated based on many things which can substantially change the policy premium. Simply improving your credit, getting divorced, or getting into an accident can trigger rate changes that can now make some companies more affordable than before.
Find the Cheapest Car Insurance in California
|Rank||Company||Cost Per Year|
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USAA normally has some of the lowest car insurance rates in Stockton at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the best Stockton, CA insurance companies.
As shown above, if you currently buy coverage from Nationwide and switched to Wawanesa, you may realize yearly savings of in the neighborhood of $106. California drivers with 21st Century might save as much as $209 a year, and Grange policyholders might lower prices by up to $334 a year.
It’s important to note that these estimates are averaged for all drivers and vehicles and and are not calculated with a vehicle location for low mileage drivers. So the company that can offer you the best rate may not even be in the top 24 companies in the list above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
The make and model of vehicle you are buying coverage for is one of the biggest factors when comparing quotes for low-priced auto insurance for low mileage drivers. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The data below outlines car insurance rates for the most cost-effective vehicles to insure in California.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,095|
|Ford Explorer Eddie Bauer 2WD||$1,225|
|Ford Edge SEL AWD||$1,268|
|Toyota RAV4 Limited 2WD||$1,292|
|Toyota Tacoma Double Cab 4WD||$1,297|
|Toyota Camry LE||$1,292|
|Ford Escape Limited 4WD||$1,361|
|Honda CR-V EX 4WD||$1,372|
|Ford F-150 STX Super Cab 2WD||$1,377|
|Nissan Rogue S 2WD||$1,387|
|Chevrolet Malibu LTZ||$1,394|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,406|
|Ford Focus SES 2-Dr Coupe||$1,456|
|Chevrolet Impala LS||$1,466|
|Honda Accord LX-S 2-Dr Coupe||$1,456|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$1,477|
|Kia Optima EX||$1,482|
|Jeep Grand Cherokee Laredo 2WD||$1,484|
|Dodge Grand Caravan Hero||$1,492|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in vehicle location which can modify prices greatly.
Based upon the rates shown, you can expect vehicles like the Hyundai Elantra, Ford Explorer, Ford Edge, Toyota RAV4, and Toyota Tacoma are a few of the cheapest vehicles to insure for infrequent drivers.
One of the more important considerations that are looked at to determine auto insurance rates is where you keep your car. More populated areas tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The illustration below lists the most costly cities in California for low mileage drivers in which to buy car insurance. Stockton shows up at #7 with an annual rate of $1,603 for the average policyholder, which is around $134 monthly.
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Information shown are approximated as specific location information can increase or decrease insurance rates considerably.
Poor driving habits will raise your insurance rates
The common sense way to maintain the cheapest insurance premiums for infrequent drivers is to be a careful driver and avoid getting tickets or having accidents. The example below shows how speeding tickets and at-fault fender-benders drive up insurance rates for different ages of insureds. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $2,354. Add in one speeding ticket and the average cost rises to $2,674, an increase of $320 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for low mileage drivers increases to an average of $3,565. That’s an increase of $1,211, or $101 per month, just for a couple of infractions!
The illustration below shows how choosing a deductible can raise or lower insurance rates when researching cheap insurance for low mileage drivers. The data is based on a married female driver, full coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their policy premium by $420 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $632 by using a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates as much as $896 every year by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it’s a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
What is the best insurance company in California?
Choosing the highest-rated insurer can be challenging considering how many different insurance companies sell coverage in Stockton. The company ratings below can help you select which insurers to look at purchasing coverage from.
These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into the list. If you would like to check rates from these and other competitive companies, click here.
Top 10 Major Car Insurance Companies in Stockton Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
The agents listed below can help you decide which insurance coverage you need, as some people prefer to have a little guidance when trying to find lower insurance rates for infrequent drivers. It can be complicated to do it yourself, and professional agents can give you satisfaction knowing your coverage gives you adequate coverage when you need it most.
To find an agent using an interactive map, click the button after the list or click here to compare price quotes.
- Ann Harvie – State Farm Insurance Agent
5637 N Pershing Ave, Ste E22 – Stockton, CA 95207 – (209) 956-2525
- Farmers Insurance – Arnold Respicio
2333 W March Ln, Ste C1 – Stockton, CA 95207 – (209) 951-7739
- George Azevedo Jr – State Farm Insurance Agent
718 Lincoln Center – Stockton, CA 95207 – (209) 474-3285
- Farmers Insurance
6 W Main St # J – Stockton, CA 95202 – (209) 463-0267