What's the Cost of Car Insurance in Stockton?
On average, Stockton premiums surpass the state average by $182, so in Stockton, it is vital to save while insuring a vehicle. We've analyzed how car insurance rates in Stockton compare to costs nationwide.
AUTO INSURANCE PREMIUMS: STOCKTON VS. STATE/US MEAN
|City Average||State Average||National Average|
Stockton Auto Insurance After Accidents or Violations
By knowing which driving mishaps can inflate the price of rates, you can make better decisions and save money. Insurance rates are impacted by at-fault accident history, and more specifically, by how much damage resulted from the accidents. For those in Stockton with at-fault accidents in which damages exceeded $2,000, rates are an average of 63% more than at-fault accidents with damages less than $1,000. Drivers with a DUI or reckless driving offense in Stockton have rates nearly triple the average for the city of $1,931.
AVERAGE STOCKTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,931|
|At-fault Accident (damages greater than $2,000)||$3,141|
|Speeding Ticket (16-20 mph over speed limit)||$2,613|
Stockton Auto Insurance by Gender and Marital Status
Both gender and marital status can have an effect on your car insurance premiums in Stockton. However, premiums for men and women tend to only differ somewhat, with men paying more. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Single individuals spend around $90 more per year compared to those who are married.
STOCKTON AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Stockton Car Insurance Premiums by Age
When you look across all age groups, drivers in their 60s have the lowest insurance premiums. Their rates usually average $1,651/year. Those in their 50s and 70s also have relatively low premiums, with premiums of $1,699 and $1,711, respectively. When Stockton drivers hit their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by $5,370, the largest difference between any age group. Turning 70 causes a rise in rates, but up until that point drivers can anticipate premium reductions when they progress between age groups. Teenage drivers have the biggest premiums of any age group. They have car insurance payments that average $7,021.
STOCKTON AUTO INSURANCE PREMIUMS BY AGE
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance each year.
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
See How Much You Can Save in Stockton
Just enter your zip code to get started
Stockton Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...