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 AverageState AverageNational Average
$1,931$1,748$1,569


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
Incident/ViolationAverage Rate
DUI/DWI$5,461
Reckless Driving$5,461
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/GenderAverage Rate
Female$1,930
Male$1,931
Single$1,931
Married$1,845
Divorced$1,931
Widowed$1,853


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
AgeAverage Rate
Teenagers$7,021
20s$2,813
30s$1,896
40s$1,828
50s$1,699
60s$1,651
70s$1,711


* 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.

54

Rainy Days a Year

16"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Stockton

2
Major Highways
I-5 SR 4 SR 99
2
Public Transit
SJ RTD Bus

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

2

$1,567

The average Stockton resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

251

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

See How Much You Can Save in Stockton

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Recent Questions:

Stockton Car Insurance

Can I use my roadside assistance if I'm in my friends car?

When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.

Can I drive off the lot with just an SR22 in California?

No, you need to have comprehensive and collision coverage to drive off the lot if you are financing the car. Comprehensive and collision coverage protects physical damage to the car.

Am I required to report my DUI?

Your insurance company will most likely pull your Motor Vehicle Report at your next renewal and most likely see your DUI. Moreover, if your license was suspended, it's likely your DMV will report to your insurance company.