Who Has Cheap Car Insurance Rates for Homeowners in Stockton?

For people who own their homes, one of the big criteria that are used to help calculate the annual cost of car insurance is where you call home in Stockton. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less people or fewer weather incidents benefit from lower prices.

The illustration below shows the priciest cities in California for homeowners in which to purchase auto insurance. Stockton is listed at #7 with the yearly price of $1,588 for the average insurance policy, which is approximately $132 per month.

How much does car insurance cost in Stockton, CA?
Rank City Average Per Year
1 Glendale $2,142
2 Los Angeles $2,083
3 San Francisco $1,745
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,596
7 Stockton $1,588
8 Fontana $1,581
9 Santa Clarita $1,580
10 Long Beach $1,562
11 Moreno Valley $1,551
12 Modesto $1,532
13 Garden Grove $1,508
14 Fresno $1,502
15 Riverside $1,497
16 Anaheim $1,474
17 Santa Ana $1,453
18 San Jose $1,395
19 Bakersfield $1,394
20 Fremont $1,389
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Prices are estimated as the garaging address in Stockton can revise rates noticeably.

Finding good, low-cost insurance is not the easiest thing to do, and finding out which company quotes the best auto insurance rates for homeowners will involve a little more work. Each auto insurance company has a different process to determine rates, so to begin we’ll rank the auto insurance companies with the most affordable rates in Stockton, CA.

It’s important that readers know that Stockton, CA auto insurance rates are based on many factors that can increase the price you pay for coverage. Improving your credit rating, having a teen driver, or getting a reckless driving citation can trigger changes in premium that may make certain companies higher-priced than the competition.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,226
6 21st Century $1,379
7 Grange $1,433
8 GEICO $1,513
9 Mercury $1,533
10 Allstate $1,543
11 Progressive $1,558
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,639
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,733
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,946
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USAA offers some of the best car insurance rates in Stockton at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide are also some of the most economical Stockton, CA car insurance companies.

As shown in the table above, if you are a policyholder with CSAA and switched to USAA, you could realize savings of about $43. Policyholders with Nationwide may save as much as $83 a year, and 21st Century customers might lower prices by up to $236 a year.

Bear in mind that those estimates are averaged for all drivers and vehicles in California and do not take into consideration a specific location for homeowners. So the company that is best suited for you may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Rate difference between full and liability-only coverage

Saving money when shopping for auto insurance should be important to most drivers, and an effective way to buy cheap insurance for homeowners is to not pay for full coverage. The illustration below shows the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

As an overall average, comprehensive and collision coverage on your policy costs $2,525 per year more than just insuring for liability. Many people question if you should buy full coverage at all. There is no set rule for excluding physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Selecting the top company can be a challenge considering how many companies sell coverage in California. The information in the next section could help you choose which car insurance companies you want to consider shopping your coverage with.

The ratings below are only made up of companies who write in the majority of U.S. states, so smaller regional companies are not included in the list. If you would like to check rates from these companies and more, simply click here.

Top 10 Large Auto Insurers in Stockton Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Large Auto Insurers Overall in Stockton

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

How to get discounts on Stockton auto insurance

Cheaper Stockton, CA auto insurance for people who own their homesCar insurance companies that sell policies for homeowners may also give you price discounts that could reduce prices by as much as 40% or more if you meet the requirements. The best auto insurance companies and some of their more popular discounts include:

The illustration below compares insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, claim-free, safe-driver, multiple vehicle, multiple policy, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for homeowners is 28% or $787.