Determining which companies quote the cheapest car insurance rates for Lyft drivers will take a little more effort in order to find the lowest price quote.
Every insurance provider uses their own calculation for determining rates in each state, so let’s look at the rankings for the car insurance companies that tend to be cheaper in California. It’s important that you understand California car insurance rates are determined by lots of factors that control the price you have to pay for coverage. Simply getting older, having a teenage driver, or getting a driving violation can trigger rate changes that can cause some rates to be cheaper than competitors.
Best Auto Insurance Prices for Your Lyft Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,513 |
| 12 | Allied | $1,556 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Compare Rates Now Go | ||
USAA has some of the best car insurance rates in Stockton at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the most economical Stockton, CA car insurance companies.
In the above example, if you currently have coverage with CSAA and switched to Wawanesa, you could realize annual savings of in the vicinity of $88. Policyholders with Nationwide may save as much as $104 a year, and 21st Century insureds might cut rates by $233 a year.
To find out how much you can save, click here to start your free quote or visit any of the low-priced companies below.
Understand that those policy prices are averaged for all insureds and vehicles and and are not calculated with an exact location for Lyft drivers. So the insurer that is best suited for you may not even be in the list above. That’s why you need to compare as many prices as possible using your own individual information.
One of the more important criteria that are looked at to determine auto insurance rates is where you live in Stockton. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The table below sorts the priciest cities in California for Lyft drivers to purchase a policy in. Stockton is ranked #8 with an annual rate of $1,603 on average, which is approximately $134 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,603 |
| 9 | Santa Clarita | $1,580 |
| 10 | Riverside | $1,542 |
| 11 | Fontana | $1,519 |
| 12 | Garden Grove | $1,508 |
| 13 | Modesto | $1,502 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Santa Ana | $1,483 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
| 21 | San Diego | $1,368 |
| 22 | Oxnard | $1,344 |
| 23 | Bakersfield | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Irvine | $1,330 |
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Annual rates are estimated as the vehicle garaging location can modify prices considerably.
Choosing a high-quality insurance company can be challenging considering how many companies are available to choose from in Stockton. The rank data listed below could help you select which auto insurers you want to consider comparing rate quotes with. The ratings below are for companies that write coverage in many states, so companies without a large exposure are not factored into this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Stockton auto insurance
Insurance companies that provide coverage for Lyft drivers may also provide special discounts that can reduce rates by as much as 30% if you are eligible to receive them. A few of the larger companies and a partial list of their discounts are:
- American Family may offer discounts for TimeAway discount, defensive driver, bundled insurance, accident-free, and good student.
- State Farm offers discounts including defensive driving training, good driver, accident-free, multiple policy, driver’s education, and safe vehicle.
- 21st Century has discounts for defensive driver, driver training, automatic seat belts, good student, theft prevention, and 55 and older.
- Travelers discounts include hybrid/electric vehicle, multi-policy, early quote, multi-car, home ownership, and IntelliDrive.
- GEICO has savings for seat belt use, membership and employees, five-year accident-free, anti-lock brakes, anti-theft, driver training, and emergency military deployment.
The chart below shows the comparison of insurance prices with and without some available policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, multiple policy, homeowner, marriage, accident-free, and passive restraint discounts applied. When discounts are factored in, theamount saved on car insurance for Lyft drivers is 28% or $698.
Stockton car insurance rates
California car insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Getting older, buying a different vehicle, or having an accident may generate price changes resulting in some companies being affordable when they were higher priced. Not only may your risk profile change, but auto insurance companies change rates without warning in order to protect their financial rating. Higher than normal claims may result in additional price hikes, while lower claim levels may result in lower-cost Stockton car insurance rates.
The data below shows which company has the cheapest car insurance in Stockton, CA for a 35-year-old female driver with no accidents, a clean driving record, and good credit. Based on her current rating profile, USAA might offer the lowest car insurance rates in Stockton at $1,341 a year. This is $310 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the most affordable Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim, a lower credit score, and a traffic ticket or two. Since each company has a unique formula for determining prices, analyzing rate quotes most likely will result in a different list of the cheapest car insurance companies in Stockton as shown below.
Grange now has the best car insurance rate in Stockton with Allstate, GEICO, Allied, and Mercury now rounding out the top five. This example illustrates why it is crucial to compare as many rates as possible when trying to get the lowest car insurance rates for Lyft drivers.
Auto insurance prices can be determined by many factors and can change without notice, so the most economical company two years ago may now be an over-priced policy.