The price you have to pay for car insurance can vary greatly based on several factors. These factors include your driving record, car type and your location.
Different car insurance companies offer different quotes. As such, it’s important to sift through all of the offers to get the one that best fits your budget and addresses your needs. Be sure to get a personalized quote to find the most accurate rates.
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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:
| 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.
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. Progressive | $455 | $632 |
| 2. USAA | $457 | $596 |
| 3. Esurance | $552 | $659 |
| 4. GEICO | $492 | $677 |
| 5. CSAA | $497 | $646 |
| 6. Mercury | $559 | $776 |
| 7. Allstate | $727 | $839 |
| 8. MetLife | $669 | $919 |
| 9. State Farm | $702 | $942 |
| 10. Travelers | $622 | $857 |
| 11. Farmers | $810 | $950 |
| 12. Hartford | $782 | $1,012 |
| 13. Allied | $758 | $981 |
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. Progressive | $998 | $1,096 |
| 2. USAA | $1,056 | $1,123 |
| 3. Esurance | $1,012 | $1,056 |
| 4. GEICO | $1,124 | $1,232 |
| 5. CSAA | $1,294 | $1,364 |
| 6. Mercury | $1,299 | $1,397 |
| 7. Allstate | $1,200 | $1,273 |
| 8. MetLife | $1,231 | $1,331 |
| 9. State Farm | $1,337 | $1,486 |
| 10. Travelers | $1,528 | $1,640 |
| 11. Farmers | $1,457 | $1,565 |
| 12. Hartford | $1,489 | $1,617 |
| 13. Allied | $1,547 | $1,675 |
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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. Esurance | $1,339 | $1,654 | $2,625 |
| 2. USAA | $1,227 | $1,958 | $3,177 |
| 3. Mercury | $1,836 | $2,420 | $2,295 |
| 4. GEICO | $1,819 | $2,060 | $2,893 |
| 5. Progressive | $2,095 | $2,278 | $2,624 |
| 6. Farmers | $2,149 | $2,686 | $2,686 |
| 7. Allstate | $1,798 | $2,269 | $4,012 |
| 8. CSAA | $1,709 | $1,709 | $4,871 |
| 9. Travelers | $2,440 | $2,702 | $3,384 |
| 10. State Farm | $2,183 | $2,273 | $4,561 |
| 11. Allied | $2,347 | $2,696 | $4,053 |
| 12. MetLife | $1,725 | $2,238 | $8,372 |
| 13. Hartford | $2,570 | $3,615 | $6,009 |
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 |
top ratedCar Insurance agentsStockton2021In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accident 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.
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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
