It’s hard to miss the captivating commercials from companies like Progressive, Nationwide, and GEICO claiming the cheapest price, so drivers just need to select the one with the best jingle, right?
It’s not quite that easy, unfortunately, as there are a ton of unknown factors such as if full coverage is needed, tickets or driving violations, whether or not you own a home, and the performance level of your vehicle, that all have an effect on the price of a policy. We are going to cover the things that influence insurance rates and will give you a good start in finding the cheapest car insurance.
Locating cheap car insurance is hard enough, and determining which company quotes the lowest-priced auto insurance rates for a Kia Optima requires even more diligence. Every car insurance company has a different process for establishing rates, so let’s take a look at the most competitive auto insurance companies in Stockton, CA.
It’s a good idea to know that Stockton auto insurance rates are impacted by many factors that may substantially change the price of coverage. That is why consumers need to shop around to find the most economical auto insurance quotes for a Kia Optima. Car insurance prices can be altered by many different factors and change dramatically, so the cheapest rate six months ago may now be quite expensive.
Compare Cheap Insurance Quotes for Your Optima
USAA generally has some of the best car insurance rates in Stockton at around $1,155 per year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced Stockton, CA car insurance companies.
As illustrated above, if you are a policyholder with Wawanesa and switched to USAA, you may see an annual savings of upwards of $2. Insureds with CSAA might save as much as $31 a year, and Century National customers might realize rate reductions of up to $71 a year.
To find out how much you can save, click here to start a quote or quote rates from the companies below.
Bear in mind that those policy prices are averages for all insureds and vehicles and do not factor in a vehicle location for a Kia Optima. So the auto insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to get quotes using your own individual information.
One of the many things that determine car insurance rates is where you keep your car in Stockton. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The illustration below sorts the highest-priced places in California for a Kia Optima to buy auto insurance in. Stockton is ranked #7 costing $1,603 for coverage, which is about $134 each month.
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Table data uses comparative as the specific area where the vehicle is garaged can decrease or increase prices substantially.
The car, truck, or SUV requiring insurance is a large consideration when comparing the lowest-priced car insurance for a Kia Optima. Vehicles with economical engines, advanced safety features, or low incidents of liability claims will cost less to insure than high performance models.
The table below ranks auto insurance rates for a selection of the cheaper automobiles to insure in California.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,096|
|Honda Accord EX 4-Dr Sedan||$1,123|
|Ford Explorer XLT AWD||$1,126|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,132|
|Ford Escape XLT 4WD||$1,155|
|Ford Edge Limited 2WD||$1,162|
|Toyota RAV4 Limited 2WD||$1,187|
|Hyundai Elantra SE Touring Station Wagon||$1,192|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,211|
|Dodge Grand Caravan SE||$1,228|
|Toyota Camry XLE||$1,250|
|Toyota Corolla S||$1,258|
|Honda Odyssey EX W/Rear Entertainment||$1,265|
|Chevrolet Silverado LS Extended Cab 2WD||$1,270|
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in zip code location which can impact rates noticeably.
Based upon the table data, we can tell that cars like the Honda CR-V, Honda Accord, Ford Explorer, Jeep Wrangler, and Ford Escape will be a few of the most economical vehicles to insure for an Optima.
Discounts on Stockton auto insurance
Insurance providers that sell policies for a Kia Optima may provide discounts that could reduce prices by as much as 40% or more if you qualify. Larger auto insurance companies and a summarized list of policyholder discounts are:
- American Family has discounts for early bird, multi-vehicle, good driver, TimeAway discount, accident-free, bundled insurance, and defensive driver.
- Nationwide has savings for family plan, anti-theft, defensive driving, multi-policy, and business or organization.
- MetLife may have discounts that include defensive driver, good driver, multi-policy, good student, accident-free, claim-free
- 21st Century offers discounts including 55 and older, defensive driver, homeowners, automatic seat belts, driver training, and student driver.
- Farmers Insurance offers discounts for business and professional, alternative fuel, homeowner, early shopping, bundle discounts, pay in full, and electronic funds transfer.
- Allstate may include discounts for teenSMART discount, 55 and retired, good payer, passive restraint, and auto/life discount.
The diagram below visualizes the comparison of insurance costs with and without discounts applied to the premium. The data is based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, safe-driver, claim-free, vehicle safety, marriage, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Kia Optima is 28% or $630.
Poor driving habits will raise your auto insurance rates
In a perfect world, the best way to obtain the best auto insurance prices for an Optima is to drive carefully and avoid getting tickets or having accidents. The diagram below shows how traffic citations and fender-benders can increase insurance prices for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,199. Add in two speeding tickets and the average cost swells to $2,951, an increase of $752 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Kia Optima increases to an average of $3,702. That’s an increase of $1,503, or $125 per month, just for being a little careless behind the wheel!
Ending up with a good quality auto insurance company can be challenging considering how many companies there are to choose from in California. The information listed below may help you select which insurers to look at comparing price quotes from. The rankings below are for the largest companies in the United States, so companies that focus mainly on California business are not factored into these rankings.
Top 10 Large Auto Insurance Providers in Stockton Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Here’s why you should shop around
Stockton, CA auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Improving your credit score, buying a home instead of renting, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being affordable when they were higher priced.
And not only may your rating factors change, but auto insurance companies change premium rates every year or even multiple times each year to ensure their profitability. Unexpectedly high claims may cause higher priced premiums, while lower claims can result in lower-cost Stockton car insurance rates.
For instance, the graph below shows the company with the cheapest car insurance in Stockton, CA for a 30-year-old male driver with no violations or accidents, and a good credit rating. If we estimate rates based on his current risk profile, USAA quotes the lowest car insurance rates in Stockton at $1,413 per year. This is $238 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the cheapest Stockton, CA auto insurance companies.
Now we will pretend the driver in the first example a couple of claims, a little lower credit rating, and an imperfect driving record. Since each company has their own unique process for determining prices, comparing quotes could result in a significantly different list of the cheapest car insurance companies in Stockton as shown below.
Grange now has the lowest price in Stockton with Allstate, Progressive, Mercury, and GEICO completing the list. This example demonstrates why California drivers need to compare lots of rates to get the most economical insurance rates for a Kia Optima. Insurance rates are calculated by many things and can change without notice, so the cheapest company when you bought your policy may now cost much more than other companies.