What drives up car insurance rates in Stockton?
Car Insurance in Stockton
On average, Stockton premiums exceed the state average by $115, so cutting costs while insuring a vehicle in Stockton is especially critical. Keep some money in your pocket by following the tips below about how to save on car insurance in Stockton.
- City Average: $1,828
- State Average: $1,713
- National Average: $1,427
Stockton Car Insurance by Age
Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest rates among any age group, with rates of $1,560. Those in their 50s ($1,605) also have relatively low premiums. The most significant reduction in premiums between any age group is from the teenage age range to the 20s, as drivers in Stockton start saving an average of $4,074 annually. In Stockton, turning 70 means an increase in premiums. Up until then, progressing from one age group to the next means decreasing prices. With typical car insurance payments of $6,762, teenage drivers have the most expensive rates of any age group.
- Teenagers: $6,762
- 20s: $2,688
- 30s: $1,793
- 40s: $1,731
- 50s: $1,605
- 60s: $1,560
- 70s: $1,736
Stockton Car Insurance by Accident or Violation History
Do you have an accident or violation history? That can have an impact on your prices on car insurance. $3,395 is the extra cost per year for drivers with a DUI or reckless driving charge in Stockton, compared to the city average of $1,828. You can expect your yearly car insurance payments to rise by $1,024 if you are found at-fault in an accident in Stockton.
- DUI: $5,223
- Reckless Driving: $5,223
- At-fault Accident (damages less than $1000): $2,852
- At-fault Accident (damages greater than $2000): $2,852
- Speeding Ticket (16-20 mph over speed limit): $2,485
Stockton Car Insurance by Marital Status
There are many 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. You spend around 5% more per year if you're single or divorced as opposed to married.
- Female: $1,828
- Male: $1,828
- Single: $1,828
- Married: $1,748
- Divorced: $1,828
- Widowed: $1,755
* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.
* In Stockton, gender does not impact car insurance premiums.
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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