bestauto insuranceStocktonCompare the Cheapest Car Insurance Quotes in Stockton, CA
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
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.
bestauto insuranceStocktonThe Cheapest and Best Car Insurance in Stockton
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
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
- Company100/300/100per year
- 1.$1,056
- 2.$1,096
- 3.$1,123
- 4.$1,232
- 5.$1,273
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.
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
- CompanyState Minimumper year
- 1.$455
- 2.$457
- 3.$492
- 4.CSAA$497
- 5.$552
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,227
- 2.$1,339
- 3.CSAA$1,709
- 4.$1,725
- 5.$1,798
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.
The Best Car Insurance Companies in Stockton
When evaluating which companies offer the best car insurance in Stockton, MoneyGeek looked at a number of different aspects, including user claims, average premiums and customer satisfaction scores. Here are the top car insurance companies in the Stockton area:
- Esurance: MoneyGeek score of 89 out of 100
- AAA: MoneyGeek score of 89 out of 100
Despite receiving a high score of 91 from MoneyGeek, USAA was not included on our list. This is due to the fact that USAA only provides its services to members of the military and their families.
1
Esurance
Score:89
In terms of affordability, client satisfaction, stability and claims, Esurance earned high ratings. The insurance firm also provides unique coverages in Stockton such as custom parts coverage. On average, a full auto insurance policy from Esurance costs $1,056 per year.
More About Esurance
Based on MoneyGeek’s ranking factors, Esurance is the best car insurance company in Stockton. You can get coverage for custom items from Esurance at a price that is more reasonable than what you would pay with other insurers. Your vehicle's aftermarket customizations are covered under your custom parts and equipment insurance policy.
In addition, if you have Esurance's rideshare insurance, you can be assured that there will be no coverage gaps between your personal insurance policy and the rideshare insurance policy.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:89
While AAA has a perfect user claim score, it secured excellent ratings in the customer satisfaction, affordability and financial stability categories. It also provides unique add-ons such as identity theft. A full-coverage policy with AAA costs $1,364 per year on average in Stockton.
More About AAA
AAA is one of the best auto insurance companies in Stockton. It provides coverage that is neither cheap nor expensive for all types of drivers. Identity theft insurance, which is not offered by many other companies, is offered by AAA to its customers. This coverage protects you in the event that your name or identity is used fraudulently by anyone.
Additionally, AAA offers rental car and/or travel reimbursement. It is applicable if your vehicle is inoperable or being repaired following a covered loss.
Read MoneyGeek's AAA auto Insurance Review3
GEICO
Score:82
4
Progressive
Score:79
5
MetLife
Score:66
6
Mercury
Score:66
7
Allstate
Score:65
8
State Farm
Score:65
9
Travelers
Score:56
10
Farmers
Score:46
11
Hartford
Score:28
12
Allied
Score:24
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 CodeState 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.
About Mark Fitzpatrick
