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.
Compare the Cheapest Car Insurance Quotes in Stockton, CA
The Cheapest and Best Car Insurance in Stockton
The Cheapest Car Insurance Companies in Stockton
The insurance companies in Stockton with the cheapest average rates for a full coverage policy are:
- Esurance: $1,056
- Progressive: $1,096
There are many car insurance companies in Stockton that you can consider. Of course, each of these companies has their own offers and prices. The most affordable company in Stockton for car insurance is Esurance, with an average annual premium of $1,056. The most expensive rate in Stockton is $1,675, offered by Allied.
Make sure that you consider multiple options to find the best offer that fits your overall needs.
MoneyGeek collected average insurance rates in Stockton for a sample 40-year-old male driver with a full coverage policy. This includes liability as well as comprehensive and collision coverage.
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Average Cost of Car Insurance in Stockton
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.
The Best Car Insurance Companies in Stockton
For Stockton drivers looking for an insurance company that balances affordability and quality service, MoneyGeek ranked the best providers in the city. According to MoneyGeek’s study, the best insurance companies in Stockton for most drivers are:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Stockton by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the final scores out of 100, MoneyGeek used several criteria, including J.D. Power customer satisfaction, affordability and financial stability ratings.
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.
Shopping around for car insurance in Stockton could save you $339, which is enough to buy:
Cheapest Car Insurance in Stockton by Coverage Amount
In Stockton as well as other areas, how much coverage you buy can heavily impact your car insurance policy costs. For example, a state minimum liability policy in Stockton costs an average of $635, whereas a full coverage policy with higher liability limits costs $1,394 on average. That is a difference of $759.
California Minimum Liability Requirements
- 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.
All states have a required minimum for car insurance. If you want to opt for more coverage, expect to pay more. In Stockton, Progressive offers the best average rate for state minimum liability, at $455. The most expensive state minimum liability coverage in Stockton is from Allied at $758.
Progressive also offers 50/100/50 liability-only and 50/100/50 full-coverage options as additional choices for $632 and $998 respectively. Both options provide the driver with additional coverage. To ensure you're getting the most affordable rate for you, you'll want to heavily consider what coverage option is ideal for your financial situation.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Stockton if You Have Driving Violations
Car insurance companies in Stockton also look at your driving record when they build your profile. Traffic violations will cause insurance premiums to rise.
An Esurance customer in Stockton with no traffic violations will pay an average of $1,056 for their auto insurance. If they receive a speeding ticket, their premium may rise to $1,339. If they cause a traffic accident, their premium could rise to $1,654. Getting a DUI will see that premium rise to $2,625. So it pays to drive safely.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
Top Agents Offering Affordable Car Insurance in Stockton
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.
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.
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