Who Has Cheap Stockton Car Insurance Quotes for Hybrid Vehicles?

You have probably seen the commercials from car insurance companies like The General, GEICO, and Progressive that make claims of dirt cheap rates, so you should just choose the one with the best commercial, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects like if you are married, if you own a home, what coverage limits you need, and how well you maintain your credit. This article should teach you a little about the types of things that cause high car insurance rates and will hopefully give the reader a jump start in finding the best auto insurance in California.

Comparing rates for cost effective car insurance is not easy, and deciding which company offers the best auto insurance rates for hybrid vehicles will require even more rate comparisons. Each insurance company has a proprietary method to set premium rates, so let’s take a look at the most budget-friendly auto insurance companies in Stockton.

It’s important to know that Stockton auto insurance rates are calculated based on many things that can increase the cost of having a policy. Simply getting older, increasing liability limits, or getting a few speeding tickets can trigger rate changes resulting in some companies being more expensive than competitors.

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,178
4 Nationwide $1,213
5 CSAA $1,234
6 21st Century $1,379
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,542
10 Allstate $1,559
11 The Hartford $1,575
12 GEICO $1,575
13 MetLife $1,590
14 Allied $1,603
15 Unitrin $1,699
16 State Farm $1,699
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $2,006
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USAA may offer some of the most affordable car insurance rates in Stockton at around $1,109 per year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also make the cut as some of the cheaper Stockton, CA car insurance companies.

As the example above demonstrates, if you are currently insured with Century National and switched to USAA, you may realize a yearly savings of about $69. California drivers with Nationwide could save as much as $104 a year, and CSAA policyholders might reduce rates by $125 a year.

Remember that these premiums are averages for all drivers and vehicles and and are not figured with a specific location for hybrid vehicles. So the company that has the lowest price for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

The make and model of vehicle to be insured is one of the largest considerations that determines the availability of the most affordable coverage for hybrid vehicles. Vehicles with average performance, advanced safety features, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The next table presents auto insurance premiums for a handful of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Stockton, CA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,275
Hyundai Elantra GLS Touring Station Wagon $1,282
Honda CR-V LX 2WD $1,275
Ford Explorer Eddie Bauer AWD $1,345
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,367
Honda Accord EX-L 4-Dr Sedan $1,383
Ford Edge Limited AWD $1,386
Chevrolet Impala LTZ $1,394
Toyota Prius $1,412
Toyota Corolla XRS $1,417
Honda Odyssey Touring $1,412
Hyundai Sonata GLS 4-Dr Sedan $1,417
Ford F-350 XL Crew Cab 2WD $1,436
Ford F-150 STX Regular Cab 2WD $1,498
Volkswagen Jetta LE 4-Dr Sedan $1,510
GMC Sierra SL Extended Cab 2WD $1,518
Chevrolet Malibu Hybrid $1,510
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can raise or lower coverage rates substantially.

Looking at the numbers, makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, and Ford Explorer will be some of the most affordable vehicles to insure for hybrids.

One of the many components that aid in calculating the annual cost of car insurance is the neighborhood you call home. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The following table shows the most expensive places in California for hybrid vehicles in which to buy car insurance. Stockton ranks #8 having an annual price of $1,541 for car insurance, which is about $128 monthly.

How much is auto insurance in Stockton, CA?
Rank City Annual Rate
1 Glendale $2,142
2 Los Angeles $2,083
3 Oakland $1,755
4 Sacramento $1,720
5 San Francisco $1,693
6 San Bernardino $1,628
7 Long Beach $1,578
8 Stockton $1,541
9 Fontana $1,535
10 Santa Clarita $1,533
11 Garden Grove $1,524
12 Fresno $1,517
13 Santa Ana $1,497
14 Riverside $1,497
15 Moreno Valley $1,491
16 Modesto $1,487
17 Anaheim $1,430
18 Huntington Beach $1,416
19 Fremont $1,403
20 San Jose $1,381
21 San Diego $1,381
22 Bakersfield $1,353
23 Irvine $1,343
24 Chula Vista $1,337
25 Oxnard $1,304
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Annual rates are estimated as the vehicle garaging location can revise auto insurance rates noticeably.

Best auto insurance company in Stockton

Finding the top insurer can be a challenge considering how many companies provide coverage in California. The company rank data shown next can help you analyze which providers to look at purchasing a policy from.

These rankings are for the largest companies in America, so companies without a large exposure will not be included in this list. If you wish to compare rates from these companies and more, click this link.

Top Auto Insurance Companies for Hybrid Vehicles in Stockton, CA
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

Should you buy full coverage?

Saving money when shopping for auto insurance is probably important to the majority of vehicle owners, and an easy way to pay lower rates for insurance for hybrid vehicles is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of insurance premiums with full coverage and liability only. The prices are based on no claims or violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged out for all age groups, full coverage on your policy costs $3,093 per year more than just buying liability insurance. Many drivers will wonder if paying for full coverage is worth it. There is no exact rule of when to phase out full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

How to find low-cost car insurance for hybrid vehicles

It is possible to find better rates, and here are a few money-saving ideas that can help California drivers locate low-cost auto insurance.

The last tip in the list is highly necessary, as was stressed in the prior information. Auto insurance rates in Stockton go up and down frequently, so don’t hesitate to buy from a new company if a lower-cost policy is available. Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. Take a few minutes and compare prices to find cheaper car insurance for hybrid vehicles.