How Much Are Car Insurance Rates in Stockton?
Cutting costs while insuring a vehicle in Stockton is especially crucial because Stockton premiums are known for being pricey. They are generally 7% greater than the state average. Let's compare car insurance costs in Stockton versus premiums across the nation.
INSURANCE PREMIUMS: STOCKTON VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Stockton Car Insurance Premiums by Age
Drivers in their 60s save money on insurance payments, as they have the smallest rates among all age groups, paying only $1,560 a year. Those in their 50s ($1,605) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with typical rates of $6,762 per year. In Stockton, drivers see the biggest decline in premiums when they reach their 20s, as they save an average of 60% from moving out of the teenage age bracket. In Stockton, turning 70 means a rise in premiums. Up until then, progressing from one age group to the next means decreasing prices.
STOCKTON CAR INSURANCE RATES BY DRIVER AGE
Stockton Car Insurance by Violation or Accident History
Accidents and violations on your driving record can cost you in terms of premiums. Typically, a DUI or reckless driving infraction in Stockton will cost you 186% more in car insurance premiums versus the city average of $1,828. Speeding 16-20mph over the speed limit can drive up your rates significantly. Individuals with a speeding ticket on their driving record pay, on average, $657 more per year.
AVERAGE STOCKTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,852|
|At-fault Accident (damages greater than $2,000)||$2,852|
|Speeding Ticket (16-20 mph over speed limit)||$2,485|
Stockton Auto Insurance by Marital Status
There are a variety of factors, including marital status, that can have an effect on car insurance premiums in Stockton. Rates for those who are widowed are moderately cheaper than rates for those who are single. Single individuals spend an average of $80 more per year compared to those who are married.
STOCKTON CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.
* Stockton insurance rates aren't influenced by gender.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Stockton, you can expect 54 rainy days with an annual rainfall of 16 inches. Stockton is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
The average Stockton resident's annual cost of coverage
Our customer's average savings after comparing insurance
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Stockton Car Insurance
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