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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.

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

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The Best Cheap Car Insurance Companies in Stockton

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.

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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.

Insurance Rates

Cheapest Car Insurance in Stockton by Coverage Amount

How much car insurance coverage you purchase in Stockton also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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.

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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Stockton if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,339
    $1,654
    $2,625
  • 2. USAA
    $1,227
    $1,958
    $3,177
  • $1,836
    $2,420
    $2,295
  • $1,819
    $2,060
    $2,893
  • $2,095
    $2,278
    $2,624
  • $2,149
    $2,686
    $2,686
  • $1,798
    $2,269
    $4,012
  • 8. CSAA
    $1,709
    $1,709
    $4,871
  • $2,440
    $2,702
    $3,384
  • $2,183
    $2,273
    $4,561
  • 11. Allied
    $2,347
    $2,696
    $4,053
  • $1,725
    $2,238
    $8,372
  • $2,570
    $3,615
    $6,009

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
iconribbontop ratedCar Insurance agentsStockton2021

Top Agents Offering Affordable Car Insurance in Stockton

1. Wandy Siam - State Farm Insurance Agent1755 W Hammer Ln, Ste 5, Stockton, CA, 95209
5 ratings
2. Bridgebay Insurance4600 N Pershing, Ste A, Stockton, CA, 95207
3 ratings
3. SOL Insurance Services3740 W Ln, Stockton, CA, 95204
3 ratings
4. Central Valley Insurance Agency501 N Wilson Way, Stockton, CA, 95205
3 ratings
5. Farmers Insurance - Ryan Turner4560 N Pershing Ave, Ste B, Stockton, CA, 95207
12 ratings

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
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Most Car Thefts300th/300
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Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall240th/300
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Most Rainy Days236th/300

Shopping around for car insurance in Stockton could save you $339, which is enough to buy:


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113Cups of Coffee
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26Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Stockton

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.