Best Auto Insurance Rates in Stockton, California

On average your neighbors pay $68 a month.

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Compare Auto Insurance Quotes in Stockton, CA

Historically speaking, Stockton was the first city in California not to have a Spanish or Native name. Nowadays, like many cities in California, several freeways bisect Stockton. Whether you’re taking the 5, the 99, the 4, the 26, or the 88, you’ll need affordable car insurance. Comparing quotes before you buy is the easiest way to make sure you’re getting the best rates possible.

Average Stockton Car Insurance Rates

How much is car insurance in Stockton, CA? The high accident rate, poorly maintained roads, terrible traffic congestion, and high crime rate (especially the vehicle theft rate which is one of the worst in the country) means that average car insurance rates in Stockton are much higher than both the state and national averages. On average, auto insurance in California costs $814.82 a year. The national average cost is $866.41.

Prices may vary depending on limits, coverage, and the number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $482.18
Collision $374.31
Comprehensive $98.73
Total Cost Per Year $814.82
Price Per Month $67.90

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Stockton, California and save up to 40% on your premium.

Last year, 6,429 people used QuoteWizard to compare auto insurance quotes in Stockton, CA from different companies, and find the cheapest rates.

Top 10 Vehicles in Stockton

This is our list of the 10 most common car makes and models owned by Stockton drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Honda Civic LX/EX/DX
  4. Ford Mustang
  5. Chevrolet Impala
  6. Chevrolet C1500 Silverado
  7. Dodge Caravan
  8. Chevrolet Malibu LS
  9. Ford Ranger
  10. Ford Explorer
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Best Insurance Companies in Stockton

This is our list of the most common car insurance companies reported by QuoteWizard users living in Stockton, CA last year.

Other popular Stockton, California car insurance companies: Mercury, 21st Century, Infinity, Country Financial, USAA, Allied, Safeco, Hartford, and American Family.

Stockton Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Stockton, CA ranked 124th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.2 years.

Stockton drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors affecting insurance rates include the weather, driving, and road conditions.

Weather

Like much of Southern California, Stockton has a Mediterranean climate with long, hot summers and mild winters with very little precipitation. Nearly all of the city's 14.03 inches of annual precipitation occurs between November and March.

Road Conditions

A recent study by TRIP stated that 46% of Stockton's major roads are in poor condition and 16% are mediocre. These poorly maintained, pothole-filled streets cost drivers $657 a year in extra vehicle operating costs. These additional operating costs are a direct result of driving on rough roads that damage cars, waste time and gas because of delays due to congestion, and are a contributing factor in car accidents.

Traffic Congestion

Traffic data provider Inrix provides a traffic scorecard to rank the most congested US cities. According to their data, Stockton has the nation's 98th worst traffic congestion. Commuters here wasted 18 hours in traffic congestion last year.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will give you a bad driving record and higher insurance rates.

Traffic Tickets

The Superior Court of California County of San Joaquin traffic division website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Stockton DUI insurance.

Traffic Fatalities

In 2013, 25 people lost their lives in Stockton car crashes, seven of which were pedestrians. This works out to a fatality rate of 2.35 per 100,000 Stockton residents. All traffic deaths are a tragic loss, but considering Stockton’s estimated population of 307,072 this is a very safe city in terms of traffic fatalities.

Vehicle Theft Rates

Stockton Police recorded 2,245 vehicle thefts in 2016. That's a rate of 7.34 per 1,000 residents. This rate is nearly four times the national average of 2.20 car thefts per 1,000.

Legal Minimum Insurance Requirements

Stockton, California drivers are required to maintain basic liability coverage known as the 15/30/5 rule. This rule means each driver's policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most insurance companies will pay for someone injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The maximum your insurer will pay for multiple people injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total insurance providers will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Stockton drivers depending on your carrier.

  1. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  2. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  3. Remove full comprehensive coverage from your policy
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  5. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  6. Drivers 55 and older can get the senior discount or the 55 and retired discount
  7. Drive less by living close to work and you may qualify for the low mileage discount
  8. Maintain at least a B grade point average ion school to qualify for the good student discount
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Stockton auto insurance quotes

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