Compare the Cheapest Car Insurance Quotes in Stockton, CA

The average cost of car insurance in Stockton is $1,394 per year, which is cheaper than the state average. The cheapest insurer is Esurance, at an average of $1,056 annually. MoneyGeek analyzed the most affordable options in terms of different coverage levels and driver profiles. MoneyGeek also rated the best companies in the state for those who value cost and quality.

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Insurance Rates

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Last Updated: 5/16/2022
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Esurance averages the cheapest car insurance in Stockton. However, depending on your profile and coverage requirements, the cheapest can vary. Progressive is the least expensive for state minimum coverage, while Esurance is cheapest for drivers with a ticket. USAA is a low-price option for military families. MoneyGeek rated AAA the best for quality service and affordability in Stockton.

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The Cheapest and Best Car Insurance in Stockton

The Cheapest Car Insurance Companies in Stockton

The most affordable car insurance companies, on average, for a full coverage policy in Stockton are:

  • Esurance: $1,056 per year
  • Progressive: $1,096 per year

Allied, the most expensive option in Stockton, at $1,675, is up to 36% more than the cheapest option, Esurance. For drivers with a military background, USAA has an affordable policy at $1,123 yearly.

These rates are for a full coverage policy that includes comprehensive and collision coverage. Your rate may vary depending on the liability coverage you purchase.

Cheapest Car Insurance in Stockton
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,056
  • 2.
    Progressive
    $1,096
  • 3.
    USAA
    $1,123
  • 4.
    GEICO
    $1,232
  • 5.
    Allstate
    $1,273
  • 6.
    MetLife
    $1,331
  • 7.
    CSAA
    $1,364
  • 8.
    Mercury
    $1,397
  • 9.
    State Farm
    $1,486
  • 10.
    Farmers
    $1,565
  • 11.
    Hartford
    $1,617
  • 12.
    Travelers
    $1,640
  • 13.
    Allied
    $1,675

MoneyGeek collected average rates for a 40-year-old male driver in Stockton with a full coverage policy, as our methodology explains.

Full coverage car insurance costs more because it offers more protection than a minimum liability policy. These coverages include:

  • Collision Insurance: Covers damage to your car if you hit another vehicle or a stationary object.
  • Comprehensive Insurance: Covers the cost of non-collision damage to your car, such as theft.

A full coverage policy is valuable because it protects you in case your car gets damaged. However, if you have an older vehicle, the cost of a full coverage policy may be higher than the value of your car, so a state minimum liability policy may be a better option.

Compare Car Insurance Rates in Stockton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Stockton for Minimum Coverage

In Stockton, the cheapest car insurance is a state minimum liability policy. Minimum liability coverage doesn’t include comprehensive and collision insurance, so while it is cheaper, you risk not being fully covered. The cheapest insurance companies for a minimum liability policy, on average, are:

  • Progressive: $455 per year
  • GEICO: $492 per year

For drivers in Stockton with a military background, USAA at $457 yearly is second in affordability. Farmers is the most expensive option for minimum liability coverage at $810 per year, which is $355 more than the cheapest option, Progressive. You can use the table below to see how rates change for higher liability coverage.

Cheapest Minimum Liability Car Insurance in Stockton
State Minimum

A minimum liability policy is the cheapest car insurance you can buy in Stockton, but it offers the least protection. That means you may pay more out of pocket in case of an accident.

A minimum coverage policy includes the liability limits required by California insurance laws, 15/30/5. For example, if you cause an accident and your minimum coverage policy only has $15,000 for bodily injury, you cover any expenses over this limit.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Stockton if You Have Driving Violations

Drivers in Stockton with violations like a DUI, at-fault accident or ticket pay higher rates for car insurance. If you have a violation, on average, the cheapest insurers in Stockton are:

  • Cheapest after a ticket: Esurance, $1,339 per year
  • Cheapest after an at-fault accident: Esurance, $1,654 per year
  • Cheapest after a DUI: Mercury, $2,295 per year

USAA is the cheapest option after a ticket if you have a military background at $1,227 yearly. Drivers with poor records can lower their car insurance premiums by improving their record over time. Until then, comparing quotes is the best way to find the cheapest insurance.

Cheapest Car Insurance in Stockton With a Violation
Speeding Ticket

Average Cost of Car Insurance in Stockton

Stockton$1,394
California$1,429
U.S.$1,424

Prices for car insurance in Stockton are less expensive compared to the rest of California. The annual premium for insurance in the city is $1,394, which is $35 cheaper than the state average. This average is also $30 cheaper than the national average. Drivers in Stockton save 2.4% and 2.1% compared to other people in the state and nation, respectively.

These rates aren’t fixed, however. There are other factors aside from your location that can affect your insurance costs.

Personalized Quotes to Get You the Cheapest Car Insurance in Stockton

Your personalized profile that the insurance company builds will determine your car insurance price. Specific factors impact your insurance expenses. Some of those factors include your ZIP code, driving record and age. Also, people with a good credit score, ample driving experience and no traffic violations likely get the best rates.

Always ask for a personalized quote when searching for affordable car insurance rates. Your life circumstances regularly change and you may qualify for discounts or a cost reduction that you previously did not qualify for.

Compare Car Insurance Rates in Stockton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Stockton

For Stockton drivers looking for a combination of quality coverage and affordability, MoneyGeek found the best insurance companies for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA had the highest score overall among insurers in Stockton and is best for people in the military, veterans and their families. MoneyGeek scores are calculated based on user satisfaction scores, affordability and financial stability ratings using data from J.D. Power and other independent agencies.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance companies also use your ZIP code to determine your premium. Some neighborhoods are more likely to see incidents that will cost the insurance companies. For example, car theft is more likely to occur in some regions more than others.

Regarding auto insurance premiums, the difference between the most- and least-expensive ZIP code in Stockton is $107. Always check with insurance companies after changing ZIP codes to see if you qualify for a discounted rate, based on the new ZIP code.

  • Zip Code
    State Minimumper year
  • 95209
    $1,340
  • 95207
    $1,361
  • 95210
    $1,429
  • 95206
    $1,447

Factors That Impact Insurance Costs in Stockton

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Stockton. How Stockton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities52nd/300
handcuffs2 icon
Most Car Thefts300th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall240th/300
umbrella icon
Most Rainy Days236th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Stockton are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.