How much does auto insurance cost in Stockton?
The average car insurance rate in Stockton is $1,978 per year. That's pricier than the average in California ($1,868) and more costly than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Stockton.
STOCKTON CAR INSURANCE RATES
|Stockton Average (annual)||California Average||National Average|
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Stockton auto insurance premiums by company
The difference in auto insurance rates from company to company can be substantial. In Stockton, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Stockton below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
STOCKTON AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Stockton car insurance costs by age
The age group that enjoys the lowest auto insurance rates in Stockton are drivers in their 60s, who pay an average of $1,761per year. Those in their 50s don't pay significantly more ($1,772).
The Stockton drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Stockton is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Stockton is $4,276, the largest such difference between any two age groups.
STOCKTON CAR INSURANCE RATES BY DRIVER AGE
|Age tier||Average Annual Rate|
Stockton auto insurance rates by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Stockton pay $82 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Stockton, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Stockton, female drivers pay $1 per year more than do male drivers for car insurance.
STOCKTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Stockton car insurance premiums by citation and accident history
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Stockton drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,399 per year versus the city average. A ticket for speeding results in an $810 rate hike, on average, while a DUI violation costs $3,301per year in insurance premiums.
AVERAGE STOCKTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,986|
|At-fault Accident (damages greater than $2,000)||$3,469|
|Speeding Ticket (16-20 mph over speed limit)||$2,788|
Stockton car insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Stockton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Stockton, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.
STOCKTON CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Annual Rate|
What drives up car insurance rates in Stockton?
Where you live in Stockton affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Stockton is no exception to the rule. From ZIP code 95219 to 95202, premiums rise by 12 percent—that’s $180.
Expensive Stockton ZIP codes: 95206, 95215, 95210, 95205, 95202
Cheap Stockton ZIP codes: 95219, 95296, 95297, 95212, 95203
Stockton Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Stockton, you can expect 54 rainy days with an annual rainfall of 16 inches. Stockton is also known to experience earthquakes and wildfires.
Rainy Days a Year
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The average Stockton resident's annual cost of coverage
Our customer's average savings after comparing insurance
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