The vehicle driven is one of the largest factors when shopping for affordable coverage for drivers with accidents. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost less to insure than high performance models.
The next table shows car insurance premiums for the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $2,762 |
| Toyota Prius | $2,769 |
| Honda CR-V LX 4WD | $2,822 |
| Ford F-150 XL Regular Cab 2WD | $2,960 |
| Chevrolet Malibu LS | $3,024 |
| Chevrolet Impala LT | $3,032 |
| Volkswagen Jetta S 4-Dr Sedan | $3,024 |
| Ford Explorer XLT 2WD | $3,066 |
| Ford Focus SES 4-Dr Sedan | $3,145 |
| Dodge Grand Caravan SE | $3,173 |
| Toyota Tacoma X-Runner 2WD | $3,178 |
| Chevrolet Equinox LTZ AWD | $3,208 |
| Jeep Grand Cherokee Limited 4WD | $3,214 |
| Toyota RAV4 Sport 4WD | $3,234 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $3,241 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $3,374 |
| Ford Edge Limited AWD | $3,400 |
| Hyundai Sonata SE 4-Dr Sedan | $3,423 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $3,435 |
| Kia Optima SX | $3,454 |
| Dodge Ram Quad Cab Sport 2WD | $3,487 |
| Nissan Rogue S 2WD | $3,501 |
| Hyundai Elantra GLS 4-Dr Sedan | $3,524 |
| Start Your Quote Go | |
Above prices assume single female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific zip code location which can raise or lower premium rates substantially.
Looking at the data, models like the Ford Escape, Toyota Prius, Honda CR-V, Ford F-150, and Chevrolet Malibu are a few of the most economical vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will tend to be higher just due to the fact that there is more claim risk for drivers with accidents, but generally speaking those makes and models will have the best rates compared to other types of vehicles.
Finding reliable, low-cost auto insurance is not most people’s favorite thing to do, and deciding which companies quote the best insurance rates for drivers with accidents may require even more diligence. Each insurer has their own process for setting prices, so first we will examine the insurance companies that tend to have lower prices in Stockton.
Cheapest Insurance Rates for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,513 |
| 11 | Mercury | $1,533 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
| Quote Your Rates Go | ||
USAA generally has some of the most affordable car insurance rates in Stockton at around $1,121 annually. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the most economical Stockton, CA insurance companies.
In the rate table above, if you currently buy coverage from Wawanesa and switched to USAA, you might achieve an annual savings of around $25. Insureds with CSAA could save as much as $77 a year, and Century National insureds might reduce rates by $93 a year.
To find cheaper insurance rates for your vehicle, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these prices are averaged for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for drivers with accidents. So the auto insurance company that fits you best may not even be in the top 24 companies shown above. That’s why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Full coverage versus liability-only in Stockton
Saving money when shopping for insurance should be important to most drivers, and one common way to reduce the cost of insurance for drivers with accidents is to only pay for liability coverage. The chart below shows the difference between premium costs with and without full coverage. The data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
If averaged for all ages, full coverage costs an additional $1,849 per year more than just buying liability only. That is a large expense which might make you wonder if you should buy full coverage at all. There is no clear-cut formula of when to phase out full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
Picking the best auto insurance provider can be difficult considering how many companies there are in Stockton. The company information in the next section could help you choose which car insurance companies to look at when comparing rates.
The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for this list. To compare prices from the insurers below and more, follow this link.
Top 10 Large Auto Insurance Companies in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Companies in Stockton Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Drive safe and save
The common sense way to receive good insurance rates in California for drivers with at-fault accidents is to drive cautiously and avoid accidents and traffic citations. The information below demonstrates how traffic citations and at-fault claims can impact insurance costs for different age groups. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,394. Factor in one speeding ticket and the average cost rises to $2,714, an increase of $320 each year. Then add in two accidents along with the one speeding ticket and the annual cost of insurance for drivers with accidents goes up to an average of $5,393. That’s an increase of $2,999, or $250 per month, just for not driving carefully!
How to find the cheapest auto insurance for drivers with accidents
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help Stockton drivers find lower-cost coverage.
- On older vehicles, drop full coverage
- Be a cautious driver
- Better credit scores save money
- Drive safe vehicles
- Maintain a safe distance and avoid accidents
- Raise your deductibles
- Compare prices as often as possible
The last idea is extraordinarily crucial, as was discussed in this article. Rates in Stockton adjust often, so don’t hesitate to change insurance companies if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you lots of hard earned cash every month. Take a few minutes and shop around to find cheaper auto insurance for drivers with accidents.
If you aren’t clear which coverage you need and would like to get some professional input when trying to find the best insurance rates for drivers with at-fault accidents, the professional agents shown below are willing to answer your questions and help you decide which auto insurance policy fits you best.
To locate an agency near you, click the button following the list or click here to compare price quotes now.
- Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 - Wandy Siam – State Farm Insurance Agent
4410 N Pershing Ave, Ste C7 – Stockton, CA 95207 – (209) 477-5511 - Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400 - George Azevedo Jr – State Farm Insurance Agent
718 Lincoln Center – Stockton, CA 95207 – (209) 474-3285 - Farmers Insurance – Arnold Respicio
2333 W March Ln, Ste C1 – Stockton, CA 95207 – (209) 951-7739