Compare Auto Insurance in Stockton
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. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.
Prices may vary depending on limits, coverage, and the number of claims filed in your zip code.
|Total Cost Per Year||$841.45|
|Price Per Month||$70.12|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.
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 to find the lowest rates.
Best Insurance Companies in Stockton, CA
This is our list of the most common car insurance companies reported by QuoteWizard users in Stockton last year.
Other popular Stockton, California car insurance companies: Mercury, 21st Century, Infinity, Country Financial, USAA, Allied, Safeco, Hartford, and American Family.
Top 10 Vehicles
This is our list of the most common car makes and models owned by Stockton drivers requesting quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Ford F150
- Honda Civic LX/EX/DX
- Ford Mustang
- Chevrolet Impala
- Chevrolet C1500 Silverado
- Dodge Caravan
- Chevrolet Malibu LS
- Ford Ranger
- Ford Explorer
Minimum Car Insurance Requirements in Stockton, CA
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.
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.
Factors affecting insurance rates include the weather, driving, and road conditions.
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.
A recent study by TRIP stated that 43 percent of Stockton's major roads are in poor condition and 21 percent are mediocre. These poorly maintained, pothole-filled streets cost drivers $743 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 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 like speeding tickets, accidents, and drunk driving will give you a bad driving record and higher insurance rates.
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.
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.
Car Insurance Discounts
Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Stockton, CA drivers.
- 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
- Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 20%
- 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
- Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
- Drivers 55 and older can get the senior discount or the 55 and retired discount
- Drive less by living close to work and you may qualify for the low mileage discount
- City of Stockton California
- Traffic – Superior Court of California, County of San Joaquin
- United States Census Bureau - Stockton, CA
- Stockton California Crime Rates
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.