What Insurance is Cheapest for a 20 Year Old Male in Stockton?

For young men, one of the largest factors that determine the cost of insurance is where you live in Stockton. More populated areas tend to have higher rates, whereas areas that tend to be more rural tend to receive slightly lower rates.

The table below shows the priciest cities in California for 20 year old guys to buy an auto insurance policy in. Stockton comes in at #12 with a yearly premium of $1,541 for the average insurance policy, which is around $128 monthly.

Car insurance prices in Stockton
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,652
6 San Bernardino $1,628
7 Long Beach $1,610
8 Fontana $1,566
9 Garden Grove $1,554
10 Moreno Valley $1,551
11 Santa Clarita $1,548
12 Stockton $1,541
13 Riverside $1,527
14 Fresno $1,517
15 Modesto $1,487
16 Santa Ana $1,453
17 Anaheim $1,430
18 San Jose $1,423
19 Fremont $1,403
20 Huntington Beach $1,402
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Rates are approximated as specific Stockton zip code can influence coverage prices considerably.

Figuring out which company offers the cheapest auto insurance rates for 20 year old guys will take a little more work than just picking a company at random. Every insurance company has a different formula to set their prices, so we’ll take a look at the most budget-friendly auto insurance companies in Stockton.

It’s important that you understand Stockton auto insurance rates are based on many factors that control the cost of coverage. Improving your credit rating, having a teenage driver, or getting a DUI can trigger price changes that can now make some companies much cheaper than others.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,477
8 Allstate $1,497
9 Progressive $1,512
10 GEICO $1,529
11 Mercury $1,548
12 Allied $1,588
13 MetLife $1,638
14 The Hartford $1,639
15 State Farm $1,750
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $1,966
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USAA has some of the lowest car insurance rates in Stockton at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also some of the more affordable Stockton, CA insurance companies.

As the rates illustrate above, if you currently have a policy with CSAA and switched to Century National, you could realize an annual premium reduction of in the vicinity of $8. Insureds with Nationwide may save as much as $23 a year, and 21st Century insureds might lower prices by $148 a year.

If you want to see how much you could save, click here to start your free quote or click several companies below for low rates.

Understand that those rates are averaged for all drivers and vehicles in California and and are not figured with a specific location for 20 year old guys. So the company that is most affordable for your situation may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own driver data and vehicle information.

The make and model of vehicle on the policy is a significant factor when comparison shopping for the lowest-priced car insurance for 20 year old guys. Vehicles with lots of speed or power, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The list below illustrates auto insurance rates for the most affordable vehicles to insure in California.

Cheapest Vehicles to Insure in Stockton, CA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,917
Honda CR-V EX-L 2WD $2,960
Honda Accord EX-L 4-Dr Sedan $3,177
Ford Edge SE 2WD $3,204
Toyota Prius $3,220
Ford F-150 STX Regular Cab 4WD $3,247
Jeep Wrangler Rubicon 4WD 2-Dr $3,252
Chevrolet Impala LS $3,421
Honda Odyssey EX $3,431
Chevrolet Malibu LS $3,464
Nissan Altima 2.5 4-Dr Sedan $3,471
Toyota RAV4 Limited 2WD $3,464
Jeep Grand Cherokee Laredo 2WD $3,471
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Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can influence premiums considerably.

Based upon the rates shown, we can infer that vehicles like the Ford Escape, Honda CR-V, Honda Accord, Ford Edge, and Toyota Prius are some of the less-costly vehicles to insure for young men. Rates will tend to be higher just due to the fact that there is more claim risk for 20 year old guys, but overall those models will probably have the cheapest car insurance rates compared to other vehicles.

Ratings for Stockton auto insurance companies

Ending up with the top auto insurance provider can be difficult considering how many choices there are in California. The ranking data below can help you pick which car insurance providers to look at when shopping insurance around for 20 year old guys. The ratings below are only comprised of the largest companies in the United States, so companies that only write business in California or surrounding areas are not taken into consideration for the list.

Best 15 Auto Insurance Companies for a 20 Year Old Male 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: Insure.com Best Car Insurance Companies

The example below highlights how deductible selection can impact insurance rates when searching for cheap insurance for 20 year old guys. The data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could lower their policy premium by $360 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $544 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, can save as much as $896 or more just by using higher deductibles. When choosing a higher deductible, it will now be necessary to have plenty of money set aside to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Low rates can quickly become overpriced

California auto insurance rates are impacted by many things that will increase or decrease the policy premium. Getting older, filing a claim, or getting into an accident can cause premium changes that can make some companies cheaper than competitors.

Also, auto insurance companies file new California auto insurance rates every year in order to remain profitable. Higher than usual claims can result in rate hikes, while a better loss history may result in cheaper Stockton car insurance rates.

To illustrate this point, the data below shows which companies have the cheapest car insurance in Stockton, CA for a 30-year-old female driver with a clean driving record, no accidents, and great credit. If we estimate rates based on her personal profile, USAA quotes the most affordable car insurance rates in Stockton at $1,368 per year. This is $283 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also on the list of the best Stockton, CA auto insurance companies.

The chart below compares rates after we give the driver in the first example a claim or two, a little lower credit rating, and a couple of points charged on her driving record. Due to the fact that each insurance company uses their own formula for determining rates in each state, comparing rates most likely will result in a significantly different list of the cheapest Stockton car insurance companies as shown below.

Grange now has the cheapest car insurance in Stockton, CA with Allstate, GEICO, Mercury, and Allied also being competitive. This illustrates why consumers need to take the time to shop around with many companies when trying to get the most economical insurance rates for 20 year old guys. Insurance prices are made up of many different factors and can decrease or increase without notice, so the most affordable company the last time you compared rates may now not even be in the top five.

How to find economical auto insurance for 20 year old guys

The list below summarizes some of the better thrifty solutions that can help drivers find more affordable coverage.

That last idea is extraordinarily critical, as was noted in the article above. Prices charged by auto insurers in Stockton can change significantly in a year, so don’t be hesitant to change insurance companies if a more affordable price is available. Having a favorite company is great, but it’s not recommended if that inflexibility results in costing you a small fortune year after year. Now is a great time to compare rates to find cheaper auto insurance for 20 year old guys.