Who Has the Cheapest Stockton Auto Insurance Quotes for Good Drivers?

The words “economical” and “insurance” probably shouldn’t be used together, especially when you are looking for the lowest insurance prices for good drivers. To help control this cost, let’s introduce you to some of the factors the can have a considerable influence on auto insurance premiums, and see how we can help you reduce the cost of your next policy.

The make and model of vehicle driven is probably the most important factor when shopping for affordable coverage for good drivers. Vehicles with lower performance, a great safety record, or low incidents of liability claims will cost less to insure than fast, unsafe models.

The data below outlines auto insurance premiums for the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Stockton, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Odyssey LX $1,267
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,274
Toyota Prius $1,274
Ford F-150 XL Super Cab 4WD $1,293
Honda CR-V EX 2WD $1,318
Jeep Grand Cherokee Laredo 4WD $1,364
GMC Sierra SLE Regular Cab 2WD $1,371
Dodge Grand Caravan SXT $1,388
Chevrolet Malibu LTZ $1,459
Toyota Corolla XRS $1,464
Volkswagen Jetta 2.0T 4-Dr Sedan $1,459
Nissan Rogue SL 2WD $1,461
Ford Explorer XLT AWD $1,481
Dodge Ram Crew Cab ST 2WD $1,486
GMC Sierra 3500HD SLE Regular Cab 2WD $1,493
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in vehicle location which can change coverage prices substantially.

Based upon these rates, you can expect vehicles like the Honda Odyssey, Jeep Wrangler, and Toyota Prius are going to be some of the more affordable vehicles to insure for safe drivers.

One of the more important criteria that are looked at to determine auto insurance rates is where you live. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The table below rates the highest-priced places in California for good drivers to buy auto insurance in. Stockton ranks #8 with an annual cost of $1,588 for the average insured, which is approximately $132 per month.

How much does car insurance cost in Stockton, CA?
Rank City Premium Per Year
1 Glendale $2,121
2 Los Angeles $2,104
3 San Francisco $1,745
4 Oakland $1,738
5 Sacramento $1,652
6 San Bernardino $1,644
7 Santa Clarita $1,595
8 Stockton $1,588
9 Long Beach $1,578
10 Fontana $1,519
11 Garden Grove $1,508
12 Moreno Valley $1,506
13 Riverside $1,497
14 Anaheim $1,488
15 Modesto $1,487
16 Fresno $1,472
17 Santa Ana $1,439
18 Huntington Beach $1,402
19 San Jose $1,395
20 San Diego $1,381
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Annual rates are approximated as specific location information can increase or decrease rates noticeably.

Trying to buy budget auto insurance is easier said than done, and deciding which companies offer the cheapest auto insurance rates for good drivers takes even more perseverance. Every car insurance company has a unique approach for setting rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in California.

It’s a good idea to be aware that California auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Improving your financial situation, moving to a different location, or getting a DUI may cause policy rate changes that can cause some rates to be more affordable than before.

Best Car Insurance Prices for Good Drivers

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,366
7 Grange $1,433
8 Mercury $1,503
9 Progressive $1,512
10 Allstate $1,543
11 GEICO $1,559
12 Allied $1,603
13 The Hartford $1,639
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,739
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $1,966
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USAA offers some of the lowest car insurance rates in Stockton at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable Stockton, CA auto insurance companies.

As the rates illustrate above, if you buy coverage from Nationwide and switched to Wawanesa, you could realize annual savings of about $80. Policyholders with 21st Century may save as much as $220 a year, and Grange customers might reduce rates by $287 a year.

To compare your rates to other California insurance companies, click here to get a free quote or quote prices from the following companies.

Bear in mind that those rates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for good drivers. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.

Discounts on Stockton insurance rates

Cheaper Stockton, CA auto insurance for safe driversInsurers that provide coverage for good drivers may also offer discounts that can lower rates by 30% or more if you are eligible for them. A few popular companies and some of the discounts include:

The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, claim-free, marriage, multiple vehicle, vehicle safety, and passive restraint discounts applied. In this example, theamount saved on auto insurance for good drivers is 28% or $493.

Full coverage rates compared to liability-only

Paying a lower price for auto insurance is important to the majority of people, and a great way to save on the cost of insurance for good drivers is to only pay for liability coverage. The information below shows the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $2,812 per year more than just insuring for liability. Lot’s of drivers question if paying for full coverage is worth it. There isn’t a written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the deductible is paid. If premium cost is more than $800 a year for physical damage coverage, then it may be the right time to buy liability only.

Stockton auto insurance company ratings

Picking the top car insurance company can be a challenge considering how many different companies sell coverage in California. The company rank data listed below may help you decide which insurers to look at putting your business with. These rankings include the largest companies in America, so companies without a large exposure will not be included in the list.

Stockton, CA Auto Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies