One of the more important considerations that help determine the price you pay for insurance is your zip code. Regions with larger populations or more claims are more likely to have higher rates, whereas less populated areas benefit from lower rates.
The information below lists the highest-priced places in California for teenage males to purchase car insurance in. Stockton comes in at #10 with an annual cost of $1,541 for the average insurance policy, which is about $128 monthly.
|Rank||City||Average Per Year|
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Table data uses comparative as the specific garaging location can raise or lower coverage prices significantly.
Deciding which company has the best auto insurance rates for teenage males may require a bit more work than just comparing a company or two. Every car insurance company uses their own formula for establishing rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in California.
It’s important to know that Stockton, CA auto insurance rates are impacted by many factors which can substantially change the cost of a policy. Improving your credit rating, marrying your spouse, or getting a reckless driving citation can trigger price changes resulting in some companies being cheaper in comparison to the competition.
Best Cheap Insurance Rates for Teens
USAA may offer some of the best 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, Century National, CSAA, and Nationwide would also make the list of some of the most economical Stockton, CA auto insurance companies.
As the example above demonstrates, if you are a customer of CSAA and switched to USAA, you might realize annual savings of roughly $113. Drivers with Nationwide could save as much as $129 a year, and 21st Century customers might see rate reductions of $217 a year.
These premium estimates are averaged for all types of insureds and vehicles and are not factoring in an exact zip code location for teenage males. So the auto insurance company that fits your situation best may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The type of vehicle driven is a large consideration when comparison shopping for the cheapest car insurance for teenage males. Vehicles with average performance, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.
The next list estimates auto insurance costs for a handful of the most budget-friendly automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$4,966|
|Honda Accord EX-L 4-Dr Sedan||$5,317|
|Ford Escape Limited 4WD||$5,326|
|Ford Edge SE 2WD||$5,539|
|Ford F-150 XL Super Cab 4WD||$5,587|
|Dodge Grand Caravan CV||$5,597|
|Ford Explorer XLT 2WD||$5,587|
|Volkswagen Jetta 2.0T Station Wagon||$5,670|
|Honda Odyssey EX W/Rear Entertainment||$5,842|
|Chevrolet Malibu Hybrid||$5,890|
|Nissan Altima 2.5 4-Dr Sedan||$5,895|
|Jeep Grand Cherokee Laredo 2WD||$5,890|
|GMC Sierra SLE Regular Cab 2WD||$5,897|
|Chevrolet Silverado LT Extended Cab 4WD||$5,890|
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Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific Stockton, CA garaging location which can increase or decrease rates noticeably.
Based upon the rates shown, you can figure that makes and models like the Honda CR-V, Honda Accord, and Ford Escape are going to be a few of the most economical vehicles to insure for teen boys. Prices will be more costly just because there is more risk for teenage males, but generally speaking those particular models will probably have the least expensive rates that you are likely to find.
The example below demonstrates how choosing different deductibles can increase or decrease insurance rates when quoting cheap insurance for teenage males. The information is based on a married female driver, comp and collision included, and no discounts are applied.
A 40-year-old driver could lower their policy premium by $420 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices $1,042 or even more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have plenty of money set aside to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
Reckless driving habits raise Stockton auto insurance rates
The common sense way to score the best auto insurance rates in California for teen boys is to drive safely and avoid accidents and traffic citations. The diagram below shows how speeding tickets and at-fault fender-benders impact car insurance costs for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of car insurance per year with no accidents or violations is $3,093. Get two speeding tickets and the average cost swells to $4,103, an increase of $1,010 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for teenage males increases to an average of $5,133. That’s an increase of $2,040, or $170 per month, just for not driving responsibly!
Stockton auto insurance company ratings
Insuring your vehicle with the best auto insurance company can be a challenge considering how many companies provide coverage in Stockton. The ranking information shown below could help you choose which insurers you want to consider when insurance shopping for teenage males. The ratings below are only made up of large, nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
How to find the cheapest car insurance for teenage males
Below you’ll find many thrifty solutions that can help Stockton drivers locate cheaper coverage.
- Pay lower rates with good credit
- Lower rates by purchasing a safer vehicle
- Avoid accidents
- If your vehicles are older, consider dropping full coverage
- Buy your auto and home insurance from the same company and save
- Compare quotes from other companies often
That last piece of advice is extraordinarily necessary, as we pointed out in the prior information. Prices charged by car insurance companies in Stockton can be adjusted at any time, so don’t be unwilling to switch to a new company if a better rate can be found.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for teenage males.
The insurance agents in Stockton listed below can most likely provide answers to your questions and help you determine which car insurance company is the best fit, since some people prefer to have a little guidance when shopping around for cheaper insurance for teen boys. It can be complicated to find the best policy yourself, and getting advice from a licensed California insurance agent can provide comfort knowing your coverage gives you enough protection. To find a Stockton insurance agent using an interactive map, click the button at the bottom of the list.
Farmers Insurance – Reklai Salazar
7843 N Pershing Ave – Stockton, CA 95207 – (209) 407-4000
Ann Harvie – State Farm Insurance Agent
5637 N Pershing Ave, Ste E22 – Stockton, CA 95207 – (209) 956-2525
Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1 – Stockton, CA 95209 – (209) 472-8585
Kim Martinez – State Farm Insurance Agent
4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010