Who Has Cheap Stockton Auto Insurance Quotes for Inexperienced Drivers?

Figuring out which companies quote the cheapest car insurance rates for inexperienced drivers takes a bit more effort in order to find coverage that fits your budget. Each auto insurer has a different formula to set their prices, so let’s take a look at the car insurance companies with the overall best prices in Stockton.

It’s important to understand that California car insurance rates are influenced by many factors that may substantially change the cost of your policy. Turning one year older, buying a new vehicle, or getting a few speeding tickets may prompt premium changes that can make some companies more affordable than competitors.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,477
8 Allstate $1,513
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Progressive $1,542
13 The Hartford $1,623
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,739
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,026
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USAA may have some of the best car insurance rates in Stockton at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also are some of the best Stockton, CA auto insurance companies.

As the example above demonstrates, if you are currently insured with Century National and switched to USAA, you might see an annual savings of upwards of $105. California drivers with Nationwide may save as much as $154 a year, and 21st Century customers might lower prices by up to $270 a year.

To find out how much you can save, click here to start your custom quote or click through to the companies below.

These policy rates are averaged for all drivers and vehicles in California and are not factoring in an exact vehicle garaging location for inexperienced drivers. So the company that fits your situation best may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The make and model of vehicle requiring coverage is a large factor that determines whether or not you can buy economical insurance for inexperienced drivers. Vehicles with lower performance, good safety features, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models.

The list below ranks insurance rates for a selection of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Stockton, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,162
Honda CR-V EX 4WD $1,189
Honda Accord EX-L 4-Dr Sedan $1,260
Volkswagen Jetta S 2.5 Station Wagon $1,267
Ford Edge SE 2WD $1,277
Toyota Prius $1,287
Ford Focus S 4-Dr Sedan $1,348
Toyota RAV4 Sport 2WD $1,375
Hyundai Elantra SE 4-Dr Sedan $1,446
Kia Optima LX $1,473
GMC Sierra SLE Crew Cab 4WD $1,480
Jeep Wrangler Sahara 4WD 2-Dr $1,497
Nissan Altima 2.5 S 2-Dr Coupe $1,571
Jeep Grand Cherokee Laredo 2WD $1,578
Chevrolet Impala LT $1,587
Ford F-150 XLT Super Cab 2WD $1,595
Dodge Ram 2500 Crew Cab SLT 4WD $1,598
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in vehicle location which can influence coverage prices greatly.

Looking at the rates, you can expect models like the Ford Escape, Honda CR-V, Honda Accord, Volkswagen Jetta, and Ford Edge are some of the most affordable vehicles to insure for new drivers.

Price comparison of only insuring for liability

Paying less for car insurance is the goal of most people, and one of the best ways to reduce the cost of insurance for inexperienced drivers is to not pay for full coverage. The information below illustrates the comparison of insurance prices when comparing full coverage to liability only. Data assumes no violations or accidents, $100 deductibles, marital status is single, and no discounts are factored in.

As an average, full coverage costs an additional $3,385 per year over and above liability coverage. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no definitive guideline that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are some situations where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

The illustration below demonstrates how deductible levels can raise or lower insurance premiums when getting quotes for cheap insurance for inexperienced drivers. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

A 30-year-old driver could save $544 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $816 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could save up to $1,216 annually by choosing a larger deductible amount.

When choosing a higher deductible, it will now be necessary to have enough in a savings account to pay the extra out-of-pocket expense that comes with higher deductibles.

Choosing the highest-rated insurer can be challenging considering how many choices there are in Stockton. The company ratings in the next section may help you decide which companies to look at when shopping around.

These ratings include the largest companies in the United States, so companies without a large exposure are not factored into the list. To view rates from these top-rated insurers and more, click this link.

Top Car Insurance Companies for Inexperienced Drivers 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
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies