Stockton, CA Car Insurance
How much does car insurance cost in Stockton?
Car insurance in Stockton costs an average of $984 for a six-month policy or $164 per month on average. Our 2023 our data shows Wawanesa is the cheapest car insurance company in Stockton with rates at $533 for a six-month policy. Stockton drivers pay more than the average for car insurance in California ($966 every six months) and more than the US average of $880.
Of our Stockton customers, 30% of them said they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Stockton based on common factors like coverage level and more.
|Car Insurance in Stockton vs. California||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Stockton
Wawanesa is the cheapest company at $89 per month or $533 for a six-month policy.
GEICO came in second cheapest at $122 per month ($729 for six months)
USAA, a company serving only members of the military community, takes third place with six-month policies at $811 on average ($135 per month).
Are you paying too much for auto insurance?
Stockton car insurance rates by company
Based on our 2023 data, Wawanesa emerges as the most economical option for full coverage car insurance in Stockton, with a monthly premium of $89 or a six-month policy costing $533. GEICO ranks as the second cheapest insurance provider, with policies starting at $122 per month or $729 for a six-month coverage.
See the chart below for our list of the cheapest rates in Stockton by company. Or, Obtain more detailed information about highly rated car insurance companies from The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Stockton, CA
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
To find the cheapest car insurance coverage for you, comparing is essential. Our comparison service can assist you. Enter your ZIP code to get rates from Allstate, State Farm, GEICO, Nationwide, and other top companies in Stockton, and find the best and most affordable car insurance.
Average car insurance in Stockton by rating factor
Car insurance companies employ a diverse range of rating factors to determine a just rate for a driver's circumstances, allowing them to evaluate the level of risk involved. These rating factors, which encompass age, claims history, and numerous other aspects, are typically shared across most companies. Nevertheless, some insurance providers accord greater importance to specific factors than others.
The optimal auto insurance company for you can change as you age or experience shifts in your profile. Obtaining periodic new quotes can serve as an effective means to evaluate if you are still benefiting from the most competitive rates.
Q: I didn't have an accident — Why is my insurance going up?
A: The year-end earnings, which weigh the revenue derived from premiums against the expenses incurred in settling claims, play a vital role as a rating factor in determining the car insurance costs in Stockton. Even if you haven't filed any claims with your insurance company, it is possible that you might be subjected to increased premium payments owing to the rising cost of doing business in Stockton.
Auto insurance premiums by age in Stockton
When it comes to car insurance, age emerges as a pivotal rating factor that significantly impacts premiums. Teens, known for their heightened accident potential compared to other age groups, typically face the highest premium rates. In Stockton, the discrepancy in rates paid by teenage drivers and those in their 20s reaches $2,616 per year, representing the largest variance observed between any two age groups.
While this may appear unjust, insurance companies employ this strategy to effectively manage risks. Charging higher premiums to teen drivers allows companies to mitigate the increased costs associated with claim payouts.
Cheapest car insurance companies for teen drivers in Stockton, CA
Auto insurance premiums for minimum coverage in Stockton
The insurance rates you are charged are heavily influenced by the amount of coverage you decide to include in your policy. Opting for a higher level of coverage results in a higher premium. There are quite a few Stockton drivers who have chosen to carry the minimum coverage mandated by the state. While meeting the legal requirements, relying solely on minimum limits exposes you to the possibility of being underinsured.
Collision and comprehensive coverage, while recommended, can increase your rates. This combination, commonly referred to as "full coverage," offers a broader scope of protection for your vehicle. These coverages typically require a deductible, which also has an effect on your rates depending on the amount you choose.
Roadside assistance or uninsured motorist coverage are also worthwhile additions. These coverages serve as a lifeline during emergencies or when confronted with drivers who lack proper auto insurance. While they contribute to an increase in your premium, we still recommend considering their inclusion, as they provide significant protection for your vehicle and yourself.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you are not leasing or financing your vehicle, it is worth contemplating whether dropping comprehensive or collision coverage is a suitable choice. We advise obtaining the actual cash value of your vehicle through Kelley Blue Book or another reputable source. The general rule of thumb is that if your vehicle's value is below $4,000, collision coverage might not be required. However, it is important to note that removing these coverages signifies that you will be responsible for any repair costs out of your own pocket.
Cheapest car insurance companies for minimum coverage in Stockton, CA
45% of our customers in Stockton opt for the basic level of coverage, but this may not be the best option for everyone. We also realize that carrying the state minimum required coverage is a budget-friendly solution, but it does leave you at risk for damages that exceed your liability limits. It's important to consider the various options for your circumstances.
California's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in California.
Stockton car insurance rates by credit score
In most states a driver's credit score in a key factor when determining a car insurance premium. However, in California, it is considered discriminatory to use one's credit score as a factor in determining auto insurance premiums. As a result, the credit score is not taken into account when calculating the annual cost of auto insurance. Among The Zebra's customers in Stockton, 67% have a credit score falling in the good (680-719) level.
Auto insurance rates with an at-fault accident
Out of all the different insurance claims, at-fault accidents and collisions emerge as the most frequently encountered occurrences. In 2023, a serious at-fault accident led to a rise in the average car insurance rates in Stockton, escalating by about $120 per month. Following an at-fault accident, Wawanesa emerges as the most cost-effective insurance company in Stockton.
No matter the location, the optimal approach to keeping your auto insurance rates affordable is by maintaining a clean driving record. Violations such as speeding citations, charges of reckless driving, DUIs, and at-fault accidents all contribute to rate hikes. It is important to be aware that many of these infractions can stay on your record for a duration of three to five years, with an extended period for DUI or DWI incidents.
Cheapest car insurance companies after an at-fault accident in Stockton, CA
Stockton car insurance rates by violation
Below, check out how different violations and claims will affect your rate in Stockton.
Car insurance rate increases after violations and citations in Stockton, CA
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|Two Med/PIP claims||$984||0%||$0|
|Two comp claims||$984||0%||$0|
|One comp claim||$984||0%||$0|
|One Med/PIP claim||$984||0%||$0|
|At-fault accident - less than $1000||$1,005||2%||$21|
|Failure to show documents||$1,293||31%||$309|
|Driving with expired registration||$1,301||32%||$317|
|Driving without lights||$1,303||32%||$319|
|Failure to wear a seat belt||$1,306||33%||$322|
|Child safety restraint||$1,310||33%||$326|
|Failure to stop at a red light||$1,372||39%||$388|
|Following too closely||$1,372||39%||$388|
|In 65 MPH zone||$1,372||39%||$388|
|Speeding 11 - 15 MPH over limit||$1,372||39%||$388|
|Speeding 16 - 20 MPH over limit||$1,372||39%||$388|
|Driving too slowly||$1,372||39%||$388|
|Speeding 6 - 10 MPH over limit||$1,372||39%||$388|
|Speeding in school zone||$1,372||39%||$388|
|Failure to yield||$1,373||40%||$389|
|Cell phone violation||$1,375||40%||$391|
|Texting while driving||$1,375||40%||$391|
|Speeding 21 - 25 MPH over limit||$1,378||40%||$394|
|Passing school bus||$1,413||44%||$429|
|Wrong way/wrong lane||$1,634||66%||$650|
|Operating a vehicle without permission||$1,672||70%||$688|
|At-fault accident - $1000-$2000||$1,701||73%||$717|
|At-fault accident - greater than $2000||$1,701||73%||$717|
|Driving with a suspended license||$2,107||114%||$1,123|
|Leaving scene of an accident/hit and run||$2,505||155%||$1,522|
|Refusal to submit to a chemical test||$2,580||162%||$1,596|
Why is car insurance in Stockton so expensive?
When compared to the average rate in the state of California, car insurance in Stockton is only about $3 per month more expensive, on average. It actually doesn't rank in the top 300 cities in California for car insurance, which might surprise you if your rates are high. Be that as it may, yours can feel extra pricey for various factors: Stockton's location between Modesto and Sacramento means a higher concentration of residents and drivers, especially those commuting. There also may be factors specific to your neighborhood, as well as weather concerns that insurance companies have to consider.
Drivers in Stockton may find that their auto insurance rates vary depending on where they live within the city. Areas with higher crime rates or an increased risk of accidents or thefts can be more expensive to insure, as insurers must account for the added risk. This can make auto insurance a significant expense for drivers in some parts of the city, while those in safer neighborhoods may be able to find more affordable coverage. Ultimately, your location can play a big role in the cost of your car insurance.
Expensive Stockton ZIP codes: 95202, 95206, 95211
Cheap Stockton ZIP codes: 95215, 95219, 95204
While California is famous for its mild, pleasant weather, the state is still susceptible to natural disasters, especially wildfires. With over 9,200 fires and two million acres burned in 2021, California tops the list nationally for wildfire events. Californians are often concerned about earthquakes, as well, which are covered through comprehensive coverage.
In the past, catastrophic damage caused by weather and other natural disasters has bankrupted insurance companies. Insurance companies will raise their rates to anticipate further weather-related losses. In fact, many companies have pulled out of the California homeowners insurance market due to wildfire risks. If you're concerned about natural disasters, like wildfires, damaging your vehicle then it's worth considering comprehensive coverage even if your vehicle is paid off.
With its high population and busy roads, Stockton is a city that sees its fair share of accidents and violations. When there are more claims in an area, insurance companies often have to pass on the added costs to drivers in the form of higher premiums. For drivers in Stockton, this can make auto insurance a significant expense, especially if they're involved in an accident with an uninsured driver. Irvine's proximity to Sacramento also contributes to commuter traffic, as well.
Bundling insurance policies in Stockton
While car insurance rates nationwide seem to be increasing, there are still avenues for savings through various discounts. One of the most prevalent discounts offered by insurance companies is the multi-policy or bundling discount. By consolidating your home or renters insurance with your auto insurance under a single provider in Stockton, you can enjoy a significant discount. Some companies even offer savings of up to 10% on combined premiums. Familiarize yourself with the advantages of bundling home and car insurance. If you currently hold separate policies for your home and car, it is prudent to explore the potential cost savings that can be achieved by bundling them together. Often, the effort put into this pursuit yields substantial benefits.
Cheapest car insurance companies for bundling home and auto insurance in Stockton, CA
While certain aspects may be beyond your control, drivers can actively take steps to make themselves more appealing to insurers. Our primary recommendation is to conduct thorough research and gather auto insurance quotes from a wide range of companies in Stockton. By doing so, you can secure the most cost-effective policy without compromising on coverage or the quality of service. This is particularly important if there have been any recent personal changes, such as a change in residence, or a birthday celebration.
Despite your best efforts, it's important to recognize that certain companies may simply be more expensive than others. Therefore, it is wise to consider switching to a more financially advantageous option if the opportunity arises.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance per month in Stockton?
With an average six-month policy cost of $984, or $164 per month, car insurance rates in Stockton are more than both the national and state averages. To ensure you're getting a fair price for your coverage, compare quotes from different insurance providers and consider making changes to your policy.
Why is Stockton car insurance so expensive?
Stockton car insurance can feel expensive, but it doesn't even rank in the top 300 expensive cities in California. However, you may notice your price increasing due to factors like wildfire risk, your specific neighborhood, and your personal driving habits.
What is the cheapest company to get car insurance in Stockton?
According to our data, the cheapest insurance company in Stockton is Wawanesa ($164/month). Another viable option is GEICO, which costs $122 per month.
Find affordable rates in minutes!
How much is car insurance near me? — explore more cities near Stockton, CA
- Car Insurance with a DUI in California
- Pasadena, CA Car Insurance
- Car Insurance in San Francisco, CA
- Car Insurance in Santa Ana, CA
- Moreno Valley, CA Car Insurance
- Oceanside, CA Car Insurance
- Ventura, CA Car Insurance
- Car Insurance in Anaheim, CA
- California Car Insurance Laws
- Simi Valley, CA Car Insurance
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.