For Uber vehicles, one of the largest considerations that are looked at to help calculate car insurance rates is where you normally keep your vehicle in Stockton. Cities with more crime and/or more people tend to pay slightly more, whereas areas with less congestion have the luxury of cheap car insurance rates.
The information below ranks the highest-priced areas in California for Uber drivers in which to purchase auto insurance. Stockton comes in at #9 with an annual rate of $1,541 for the average insurance policy, which is about $128 monthly.
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Rate information is estimated as specific Stockton garaging address can change coverage rates considerably.
Figuring out which company offers the cheapest auto insurance rates for Uber drivers calls for more work than just comparing a company or two.
Every insurance provider uses their own calculation to set premium rates, so let’s rank the lowest cost auto insurance companies in Stockton, CA.
Cheapest Insurance Rates for Your Uber Vehicle
|Rank||Company||Cost Per Year|
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Wawanesa quotes some of the lowest car insurance rates in Stockton at around $1,146 each year. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also make the cut as some of the cheaper Stockton, CA insurance companies.
In the above rates, if you currently have coverage with USAA and switched to Wawanesa, you could see annual savings of upwards of $9. California drivers with CSAA might save as much as $40 a year, and Century National customers might cut rates by $68 a year.
To find out how your current rates compare, click here to get quotes or quote prices from the following companies.
These estimates are averages across all drivers and vehicles and and are not calculated with a specific location for Uber drivers. So the company that is best for you may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.
The vehicle requiring coverage is a significant factor when shopping for economical auto insurance for Uber drivers. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than high performance models. The list below shows car insurance prices for a selection of the most economical automobiles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,095|
|Hyundai Elantra SE Touring Station Wagon||$1,185|
|Ford Edge SE 2WD||$1,201|
|Ford F-150 XL Crew Cab 4WD||$1,251|
|Honda CR-V EX-L 4WD||$1,282|
|GMC Sierra SLE Crew Cab 2WD||$1,292|
|Toyota Tacoma Double Cab 4WD||$1,318|
|Honda Civic LX-S 4-Dr Sedan||$1,337|
|Toyota Corolla XLE||$1,361|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,387|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,406|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,410|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,482|
|Chevrolet Equinox LT 2WD||$1,484|
|Dodge Ram Quad Cab Laramie 2WD||$1,505|
|Ford Explorer Limited AWD||$1,513|
|Volkswagen Jetta 2.0T Station Wagon||$1,577|
|Jeep Grand Cherokee Limited 2WD||$1,588|
|Dodge Grand Caravan Hero||$1,598|
|Chevrolet Malibu Hybrid||$1,588|
|Ford Fusion SE 4-Dr Sedan||$1,594|
|Toyota RAV4 Sport 2WD||$1,588|
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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 homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can affect premiums considerably.
Based upon the table data, you can assume that cars like the Ford Escape, Hyundai Elantra, Ford Edge, Ford F-150, and Honda CR-V will definitely be the most affordable vehicles to insure for Uber vehicles.
Poor driving habits will raise your auto insurance rates
The ideal way to maintain the most affordable auto insurance rates in Stockton for Uber vehicles is to drive cautiously and avoid tickets and accidents. The example below illustrates how violations and at-fault accidents can affect car insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Stockton per year with a clean driving record and no accidents is $1,975. Factor in one speeding ticket and the average cost surges to $2,269, an increase of $294 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for Uber drivers jumps again to an average of $3,087. That’s an increase of $1,112, or $93 per month, just for not driving carefully!
The diagram below highlights how deductible choice can impact insurance premiums when quoting cheap insurance for Uber drivers. The prices are based on a single female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their policy premium by $350 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $530 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could drop their prices as much as $888 each year just by using higher deductibles.
If you do make the decision to raise your deductibles, it will be important to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Last year’s bargain might be this year’s rip off
Stockton auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply getting older, buying a new vehicle, or getting a reckless driving citation can cause premium changes that may make certain companies cheaper than before. Not only may your risk profile change, but insurers amend premium rates as often as every quarter in order to protect their financial rating. A period of increased losses may result in price increases, while profitable underwriting can cause lower-priced Stockton car insurance rates.
For instance, the chart below shows the companies that have the cheapest car insurance in Stockton, CA for a 30-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate rates based on his current rating profile, USAA quotes the lowest car insurance rates in Stockton at $1,330 a year. This is $321 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the cheapest Stockton, CA auto insurance companies.
Now we will give the driver from the first set of rates a claim or two, a lower credit score, and a traffic ticket or two. Since each insurance company has a unique approach to set premium rates, comparing rates may now show a completely different list of the cheapest companies as shown below.
Grange now has the best price on car insurance in Stockton with Progressive, Allstate, Mercury, and GEICO now rounding out the top five. This shows why it is critical to shop around to get the most affordable car insurance quotes for Uber drivers. Rates consist of many things and can increase or decrease at any time, so the lowest-price company six months ago may now be wasting a lot of money.
How to find cheaper car insurance for Uber drivers
Here are some penny-pinching solutions that can help drivers buy low-cost auto insurance.
- Safe vehicles generally have lower rates
- Accident-free drivers may qualify for discounts
- Do not insure for full coverage
- Avoid getting tickets or violations
- Higher credit ratings may save you money
- Raise deductibles
- Compare rates regularly and switch companies to save money
The last tip is extremely critical, as was pointed out in this piece. Auto insurance prices in Stockton can change in a short period of time, so don’t be hesitant to buy a policy from a new company if a better deal can be had.
Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty results in overpaying money that could be spent on other things. If you have a few minutes, compare prices to find cheaper car insurance for Uber drivers.
The insurance agencies listed below can help you determine which car insurance policy is best, since some drivers have questions and prefer to get some guidance when comparing insurance rates for Uber drivers. It can be time-consuming to find the cheapest rates, so getting advice from a licensed California insurance agent can give you comfort knowing your coverage gives you enough coverage if you have a claim. To locate a Stockton car insurance agency close to you, click the button at the bottom of the list or click here to compare price quotes now.
Quality General Insurance Services
3008 E Hammer Ln # 109 – Stockton, CA 95212 – (209) 952-5139
Farmers Insurance – Arnold Respicio
2333 W March Ln, Ste C1 – Stockton, CA 95207 – (209) 951-7739
Farmers Insurance: W. Faye Giovenetti
1833 W March Ln #2 – Stockton, CA 95207 – (209) 472-7704
Farmers Insurance – Manuel Luna
445 W Weber Ave #225 – Stockton, CA 95203 – (209) 957-8675