The Cost of Insuring Your Car in Stockton, CA, is $1,713

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The average cost of auto insurance in Stockton, CA, is $1,713. This is lower than the cost of auto insurance in neighboring places such as Taft Mosswood, French Camp, Kennedy, Lincoln Village, and Country Club. The cost of auto insurance is affected by numerous factors ranging from the make and model of the vehicle to the neighborhood one lives in. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different auto insurance companies. Some of these factors are explored below.

the_cost_of_insuring_your_car_in_stockton_caInsurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Age of the driver:

Age is one of the most common factors used to determine the cost of auto insurance in Stockton, CA. The cost of auto insurance is much higher for younger and inexperienced drivers. Teenagers in Stockton pay $5,558 on an average on auto insurance. This is five times the average cost of auto insurance here. Drivers in their fifties and sixties pay the least on auto insurance. For example, a 50-year-old driver in Stockton has to pay only $1,510 on an average, on auto insurance. 

Credit Score:

As the above infographic indicates, the credit score of a driver can also be a crucial factor in determining the cost of auto insurance in Stockton, CA. A better credit score always translates to cheaper auto insurance. In Stockton, car owners possessing an “excellent” credit have to pay only $1,678 on auto insurance, while for an “exceptional” credit score, it is even lower, at $1,470. On the other extreme, car owners with a “poor” credit score have to pay $2,794 on an average.

Driving Record:

Possessing a clean driving record can go a long way in reducing the cost of auto insurance in Stockton. Avoiding major violations such as DUI and driving without a license can help reduce this cost. In Stockton post-DUI, the cost of auto insurance shoots up to $4,218 from a mere $1,713. Other major violations include driving with an expired license ($2,868) and speeding ($2,133).