One of the many components that are looked at to help calculate the cost of insurance is where your car is garaged in Stockton. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.
The information below rates the most expensive cities in California to purchase a policy in. Stockton is ranked #12 with an annual rate of $1,541 for the average policy, which is about $128 each month.
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Premium costs are comparative as the specific garaging location can decrease or increase insurance rates significantly.
Considering where Stockton ranks compared to other areas, finding decent, low-priced auto insurance is not easy, and finding out which company offers the best car insurance rates in Stockton will involve even more shopping around.
Each insurer has a unique formula to set premium rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Stockton, CA. It’s important to understand that Stockton car insurance rates are calculated based on many things that will increase or decrease the price of coverage. Events like a birthday, adding a teenager to your policy, or getting a driving violation can produce rate changes resulting in some companies being cheaper in comparison to the competition.
Best Auto Insurance Prices in Stockton
USAA normally has some of the best car insurance rates in Stockton at around $1,109 each year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheapest Stockton, CA auto insurance companies.
In the above rates, if you currently buy coverage from Wawanesa and switched to USAA, you may realize a yearly savings of upwards of $37. Drivers with CSAA may save as much as $113 a year, and Century National insureds might reduce rates by $117 a year.
If you want to find out if you’re overpaying, click here to start a quote or visit any of the companies below.
These prices are averages for all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location in Stockton. So the insurer that fits your age and vehicle best may not even be in the top 24 companies in the list above. That is why you need to get rate quotes using your own personalized driver profile and vehicle information.
The car, truck, or SUV driven is probably the most important factor when trying to find the lowest-priced coverage in Stockton. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The information below ranks auto insurance rates for a number of the most economical vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,095|
|Ford Escape XLS 2WD||$1,100|
|Ford Explorer XLT AWD||$1,225|
|Ford F-150 XLT Super Cab 4WD||$1,252|
|Honda CR-V LX 4WD||$1,254|
|Toyota RAV4 Limited 2WD||$1,292|
|Hyundai Elantra GLS Touring Station Wagon||$1,342|
|Honda Odyssey LX||$1,377|
|Nissan Rogue S AWD||$1,387|
|Chevrolet Silverado LT Crew Cab 4WD||$1,397|
|Dodge Grand Caravan SE||$1,406|
|Ford Edge SE AWD||$1,456|
|Toyota Camry LE||$1,484|
|Volkswagen Jetta LE 4-Dr Sedan||$1,491|
|Chevrolet Impala LT||$1,484|
|Ford Focus SEL 4-Dr Sedan||$1,532|
|Jeep Grand Cherokee Limited 2WD||$1,589|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,597|
|Chevrolet Malibu LS||$1,589|
|Chevrolet Equinox LS AWD||$1,598|
|GMC Sierra SL Crew Cab 2WD||$1,589|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,622|
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific location which can affect coverage prices noticeably.
Based on these rates, you can presume that makes and models like the Honda Accord, Ford Escape, and Ford Explorer should be a few of the more affordable vehicles to insure for drivers in Stockton.
Get discounts on Stockton auto insurance
Insurance providers that offer quotes in Stockton may have price discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. Large auto insurance companies and their possible discounts are detailed below.
- State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple autos, passive restraint, and accident-free.
- GEICO offers discounts for air bags, five-year accident-free, anti-theft, membership and employees, seat belt use, and emergency military deployment.
- Progressive may have discounts that include multi-vehicle, multi-policy, online signing, continuous coverage, and homeowner.
- 21st Century may offer discounts for early bird, homeowners, teen driver, defensive driver, and anti-lock brakes.
- American Family has discounts for accident-free, good student, TimeAway discount, defensive driver, bundled insurance, air bags, and good driver.
- The Hartford includes discounts for bundle, air bag, vehicle fuel type, defensive driver, driver training, anti-theft, and good student.
- AAA offers premium reductions for AAA membership discount, pay-in-full, multi-car, good student, good driver, anti-theft, and education and occupation.
The diagram below illustrates the comparison of insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, defensive driving course, multiple policy, vehicle safety, anti-theft, and claim-free discounts applied. With discounts applied, theaverage amount saved on auto insurance in Stockton is 28% or $698.
The diagram below demonstrates how choosing different deductibles can affect annual premium costs when quoting cheap insurance in Stockton. Data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower rates by $308 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, have the ability to save $1,026 or more by choosing larger deductibles on their policy.
When raising deductibles, it will be important to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.