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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 Average (annual) California Average National Average
$1,978 $1,868 $1,548

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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 receive quotes specific to your unique driving profile.

Company Average Yearly Rate
GEICO $1,358
Mercury $1,534
Infinity $1,848
AAA $2,047
CSAA $2,068

Read our guide to finding the best cheap auto insurance.

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.

Age tier Average Annual Rate
Teenagers $7,205
20s $2,929
30s $1,925
40s $1,858
50s $1,772
60s $1,761
70s $2,040

Learn more about how age influences auto insurance rates.

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.

Marital Status/Gender Average Yearly Rate
Female $1,979
Male $1,978
Single $1,896
Married $1,896
Divorced $1,978
Widowed $1,922

Learn more about the impact gender and marital status have on insurance rates.

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 insurance rates. car 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.

Incident Average Yearly Rate
DUI/DWI $5,279
Reckless Driving $5,377
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

Learn more about the impact of driving violations on car insurance rates.

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.

Credit Score Average Annual Rate
Very Poor $1,978
Fair $1,978
Good $1,978
Very Good $1,978
Exceptional $1,978

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Stockton

Major Highways
I-5 SR 4 SR 99
Public Transit

Stockton Car Insurance Companies Near Me

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Stockton Agents

Ascension Insurance Services, Inc.

2800 West March Lane, Suite 420, Stockton, CA 95210

Andreini & Company

2431 W March Ln Ste 300, Stockton, CA 95207


The average Stockton resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 251 cups of coffee or $627 in savings

See How Much You Can Save in Stockton

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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.