Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in Stockton?

Finding out which company offers the best car insurance rates for drivers requiring a SR22 calls for a bit more effort in order to find coverage that fits your budget. Every insurance company uses their own method to set their prices, so let’s examine the lowest cost car insurance companies in California.

Keep in mind that California car insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Improving your credit score, having a claim, or getting a couple of tickets can trigger rate changes that can now make some companies cheaper than before.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,181
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,491
8 Allstate $1,543
9 Mercury $1,548
10 Allied $1,556
11 Progressive $1,558
12 GEICO $1,575
13 The Hartford $1,575
14 MetLife $1,638
15 State Farm $1,682
16 Esurance $1,739
17 Unitrin $1,750
18 Travelers $1,788
19 Bristol West $1,795
20 Farmers $1,966
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USAA may offer some of the cheapest car insurance rates in Stockton at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the lowest-priced Stockton, CA auto insurance companies.

As depicted above, if you currently have coverage with Wawanesa and switched to USAA, you might achieve an annual premium reduction of roughly $72. Drivers with Century National may save as much as $81 a year, and CSAA customers might cut rates by $113 a year.

Understand that those policy prices are averages for all types of insureds and vehicles and and are not calculated with a vehicle location for drivers requiring a SR22. So the car insurance company that can offer you the best price may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.

For high risk drivers, one of the big considerations that are used to help calculate the price you pay for insurance is where your car is garaged. Cities with larger populations likely pay more, whereas areas with less congestion have the benefit of cheaper car insurance.

The illustration below sorts the most expensive areas in California for drivers requiring a SR22 in which to purchase auto insurance. Stockton is ranked at #8 with a yearly cost of $1,588 for the average insured, which is approximately $132 each month.

How much does car insurance cost in Stockton, CA?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 San Francisco $1,745
4 Sacramento $1,720
5 Oakland $1,687
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,588
9 Garden Grove $1,554
10 Santa Clarita $1,548
11 Fontana $1,535
12 Fresno $1,517
13 Moreno Valley $1,506
14 Modesto $1,487
15 Riverside $1,482
16 Santa Ana $1,453
17 Anaheim $1,430
18 Huntington Beach $1,416
19 San Jose $1,381
20 San Diego $1,368
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Rates are estimated as specific Stockton zip code can increase or decrease insurance rates substantially.

The vehicle you are trying to insure is one of the biggest factors that determines whether or not you can buy the most economical coverage for drivers requiring a SR22. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The data below shows auto insurance rates for a selection of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Stockton, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $3,789
Honda Accord LX 4-Dr Sedan $3,925
Ford Escape XLT 2WD $4,016
Toyota Prius $4,032
Chevrolet Silverado LS Regular Cab 4WD $4,194
Volkswagen Jetta S 2.5 Station Wagon $4,285
Chevrolet Malibu LS $4,440
Nissan Altima 2.5 4-Dr Sedan $4,448
Ford Explorer Eddie Bauer 4WD $4,482
Chevrolet Impala LS $4,600
Toyota Corolla XLE $4,639
Toyota RAV4 4WD $4,646
Toyota Camry LE $4,651
Chevrolet Equinox LS AWD $4,646
Honda Odyssey EX $4,709
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Table data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can alter premium rates greatly.

Based upon the table data, we can assume that makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius are a few of the most affordable vehicles to insure for high risk drivers. Rates will be higher anyway just due to the fact that there is more inherent risk for drivers requiring a SR22, but in general those particular vehicles will most likely have the cheapest rates available.

Rate difference between full and liability-only coverage

Lowering the price of car insurance is important to most vehicle owners, and one of the quickest ways to find cheaper insurance for drivers requiring a SR22 is to not insure for full coverage. The diagram below compares premium costs with full physical damage coverage and with liability coverage only. The information is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,003 per year more than insuring for liability only. That may make you wonder when is it a good idea to stop buying full coverage. There is no written rule to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

The information below illustrates how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for drivers requiring a SR22. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could reduce rates by $492 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $738 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices up to $1,640 or more just by choosing larger deductibles.

When raising deductibles, it will be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to find low-cost auto insurance for drivers requiring a SR22

Below you’ll find some penny-pinching suggestions that can help drivers locate lower-cost coverage.

That final tip is highly critical, as was affirmed in this piece. Prices charged by car insurance companies in Stockton can change considerably based on profitability, so drivers shouldn’t be resistant to change insurance companies if a better rate can be found.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if that dedication is costing lots of hard earned cash every month. Take a few minutes and compare prices and find cheaper insurance for drivers requiring a SR22.

If you would rather have a consultation when comparing insurance rates for high risk drivers, the insurance agencies listed below can answer your questions and help you decide which policy is best. To find a Stockton insurance agency closest to you, click the link after the list.

Farmers Insurance – Arnold Respicio
2333 W March Ln, Ste C1Stockton, CA 95207(209) 951-7739

Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170Stockton, CA 95219(209) 943-8344

Lucchesi Jr Dan A
2522 Grand Canal Blvd # 9Stockton, CA 95207(209) 957-6515

View more Stockton, CA insurance agents