Who Has Cheap Stockton Auto Insurance for 4×4 Vehicles?

For off-road vehicles, one of the more important factors that determine the annual cost of car insurance is where you choose to live. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The information below sorts the most costly cities in California for 4×4 vehicles to purchase auto insurance in. Stockton is listed at #13 having an annual price of $1,541 for the average policy, which is about $128 per month.

How much does car insurance cost in Stockton, CA?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,142
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,652
6 Long Beach $1,610
7 Fontana $1,581
8 San Bernardino $1,580
9 Garden Grove $1,570
10 Moreno Valley $1,551
11 Santa Clarita $1,548
12 Riverside $1,542
13 Stockton $1,541
14 Santa Ana $1,497
15 Modesto $1,487
16 Fresno $1,457
17 Anaheim $1,430
18 San Jose $1,423
19 Huntington Beach $1,360
20 Bakersfield $1,353
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Rates are comparative as the specific geographic location can alter price quotes greatly.

Determining which company quotes the best insurance rates for 4×4 vehicles will involve a tad more effort in order to find the lowest price. Each auto insurer has a proprietary method to set policy rates, so let’s examine the most competitive insurance companies in Stockton, CA.

Find the Best Cheap Insurance for 4×4’s

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,190
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,447
8 Progressive $1,496
9 Mercury $1,503
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,654
15 Unitrin $1,682
16 Esurance $1,739
17 State Farm $1,750
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $1,946
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USAA may offer some of the lowest car insurance rates in Stockton at around $1,143 annually. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the cheaper Stockton, CA insurance companies.

As shown in the rates above, if you are currently insured with Wawanesa and switched to USAA, you could realize a yearly savings of upwards of $14. Insureds with CSAA could save as much as $43 a year, and Century National insureds might lower prices by up to $47 a year.

If you would like to find cheaper car insurance rates, click here or feel free to get quotes from the companies below.

It’s important to note that these policy prices are averaged across all insureds and vehicles and and are not calculated with a specific location for 4×4 vehicles. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Get discounts on Stockton auto insurance

Cheaper Stockton, CA insurance for off-road vehiclesCar insurance companies that offer coverage for 4×4 vehicles may have price discounts that may potentially lower prices by 35% or more if you meet specific criteria. Larger insurance companies and some of the discounts include:

The information below shows the difference between insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, anti-theft, defensive driving course, vehicle safety, homeowner, and multiple vehicle discounts applied. When these discounts are applied, theaverage amount saved on insurance for 4×4 vehicles is 28% or $549.

Finding the top auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in California. The ranking information in the lists below can help you choose which companies to look at to insure your vehicles.

These rankings are for companies with a national presence, so smaller companies that only insure vehicles in California will not be included in these rankings. To compare rates from these top-rated insurers and more, simply click here.

Best 15 Insurance Companies for 4×4 Vehicles in Stockton
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 diagram below demonstrates how deductibles can influence insurance prices when quoting cheap insurance for 4×4 vehicles. The price estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower their car insurance rates by $408 a year by changing from a $100 deductible to a $500 deductible, or save $614 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could lower their rates up to $1,008 annually by choosing a larger deductible amount. When using a larger deductible, it will be important to have enough in a savings account to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.