How Much are Auto Insurance Rates for Single Moms in Stockton?

For single parents, one of the largest things that are looked at to determine the annual cost of car insurance is where you call home in Stockton. Cities with larger populations are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The illustration below ranks the priciest cities in California for single moms in which to buy car insurance. Stockton comes in at #10 with a yearly premium of $1,541 for the average policy, which is around $128 per month.

Car insurance prices in Stockton
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,745
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,644
7 Long Beach $1,626
8 Santa Clarita $1,595
9 Moreno Valley $1,551
10 Stockton $1,541
11 Garden Grove $1,524
12 Fontana $1,519
13 Fresno $1,502
14 Modesto $1,502
15 Santa Ana $1,497
16 Anaheim $1,488
17 Riverside $1,482
18 San Jose $1,423
19 Huntington Beach $1,402
20 Bakersfield $1,394
21 Fremont $1,389
22 Chula Vista $1,350
23 Irvine $1,330
24 San Diego $1,327
25 Oxnard $1,304
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Prices are approximated as specific location information can change insurance rates substantially.

Deciphering which companies quote the lowest-priced insurance rates for single moms requires a tad more effort than just comparing rates from one or two companies.

Each company uses their own calculation to set premium rates, so let’s take a look at the insurance companies with the overall best prices in Stockton, CA. It’s important that readers know that Stockton insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Improving your credit rating, adding a teenager to your policy, or having a fender bender can produce rate changes resulting in some companies being cheaper than competitors.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,226
6 21st Century $1,338
7 Grange $1,433
8 GEICO $1,513
9 Mercury $1,533
10 Progressive $1,542
11 Allstate $1,543
12 MetLife $1,590
13 Allied $1,603
14 The Hartford $1,639
15 Esurance $1,705
16 Unitrin $1,733
17 State Farm $1,750
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,026
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USAA offers some of the lowest car insurance rates in Stockton at around $1,155 a year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheapest Stockton, CA insurance companies.

As the rates illustrate above, if you have coverage with Century National and switched to Wawanesa, you might achieve a yearly savings of around $33. Policyholders with Nationwide could save as much as $45 a year, and 21st Century customers might lower prices by up to $157 a year.

To discover how much you can save, click here or feel free to get quotes from the companies below.

Bear in mind that those premium estimates are averaged across all drivers and vehicles in California and and are not calculated with a specific location for single moms. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Stockton insurance company ratings

Choosing a high-quality auto insurance company can be rather challenging considering how many companies there are to choose from in Stockton. The information shown below could help you select which coverage providers to look at when buying insurance for single moms.

These rankings include companies that write coverage in many states, so smaller companies are not taken into consideration for these rankings. To get price quotes and find the cheapest rates for single moms, follow this link.

Top 15 Insurance Companies for Single Moms in California
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: Best Car Insurance Companies

Careless driving habits raise insurance rates

The easiest way to receive the most affordable insurance rates in California for single parents is to drive carefully and avoid traffic citations and accidents. The illustration below illustrates how traffic citations and at-fault fender-benders drive up insurance costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,598. Add in two speeding tickets and the average cost surges to $2,264, an increase of $666 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for single moms goes up to an average of $2,935. That’s an increase of $1,337, or $111 per month, just for a couple of infractions!

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Stockton insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, buying a home instead of renting, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than competitors. Additionally, companies modify pricing multiple times each year to ensure their profitability. A period of higher than normal claims may result in rate hikes, while a better loss history can produce lower-cost Stockton car insurance rates.

As an example, the chart below analyzes the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no accidents or violations, and a good credit rating. If we look at prices based on her personal risk profile, Wawanesa quotes the lowest car insurance rates in Stockton at $1,354 per year. This is $297 less than the average rate paid by California drivers of $1,651. USAA, CSAA, Nationwide, and Century National are also included in the cheapest Stockton, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first set of rates a claim surcharge, bad credit, and a traffic citation. Since each auto insurance company has a different process for determining rates in each state, comparing quotes most likely will result in a different list of the cheapest car insurance companies in Stockton as shown below.

Grange now has the best insurance rate in Stockton, CA with Allstate, GEICO, Mercury, and Progressive now rounding out the top five. This example illustrates why consumers need to perform an extensive rate comparison to find the most budget-friendly auto insurance quotes for single moms. Insurance rates are determined by many risk factors and can decrease or increase without notice, so the most economical option the last time you shopped your coverage around may now be one of the more expensive options.