Stockton, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Stockton, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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

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.

Insurance 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).

 

Lowest auto insurance rates in Stockton, California

Stockton’s auto insurance rates are lower than the state average rates, but higher than the national average rates. As of January 2014, Stockton has an average annual insurance rate of $1631, while the average rate in California is $1819, and the national average is $1496.

In Stockton, auto insurance rates range between $1399 and $1674. The Honda Accord is the only car with an insurance rate below $1400. It also has the second lowest median price, at $15900. The Honda CR-V also costs only $1406 on average to insure per year.

The Toyota Corolla has the lowest median price ($14,900) among all the cars in Stockton. Insuring it costs an average of $1526 per year, which is 10% of the median price. The Toyota Camry, on the other hand, has a median price of $17900, and costs an average of $1453 to insure per year.

Of the full size pickup trucks, the Chevrolet Silverado is the more affordable option in Stockton. It costs $1528 per year to insure, while the Ford F-Series costs $1553. The bigger difference is, however, in their purchase costs. The Chevrolet costs a median price of $28,000, while the Ford F-Series costs $30,000 in Stockton.

The Nissan Altima and the Honda Civic are the most expensive cars in terms of insurance costs in Stockton. The Nissan Altima has an average annual insurance rate of $1653, while the Honda Civic costs a whopping $1674 to insure every year. The median price of the Nissan Altima in Stockton is $16499, while the Honda Civic costs around $17,900.

There are a few ways to lower your overall costs. The Honda Civic can be purchased for a median price of $11,975 from San Francisco. The Toyota Corolla, too, is cheaper in San Francisco.  If you willing to buy your car from another state and have it shipped back home, Lansing, Michigan is the cheapest place to buy a Honda Civic. It is available for a median price of $5,000 in Lansing.  

Factors that can influence the cost of car insurance in Stockton, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Stockton, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Stockton, CA with that of other cities in and around Stockton.

	Stockton	Taft Mosswood	French Camp	Kennedy	Lincoln Village	Country Club
Average Insurance Rates	$1,713	$1,778	$1,810	$1,752	$1,806	$1,780

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Stockton, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Stockton, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Stockton	$1,385	$1,170
Country Club	$1,360	$1,148
Lincoln Village	$975	$824
Taft Mosswood	$1,129	$954
August	$1,481	$1,251
Kennedy	$1,933	$1,633
French Camp	$1,460	$1,233
Garden Acres	$1,600	$1,351

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Stockton, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Stockton, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$5,558
20 Years	$2,201
30 Years	$1,695
40 Years	$1,631
50 Years	$1,510
60 Years	$1,532
70 Years	$1,783

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Stockton, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Stockton, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,981	$445
3 Vehicles	$4,471	$668
4 Vehicles	$5,961	$891

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Stockton, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Stockton, CA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Stockton	$1,713	$4,218
Country Club	$1,780	$4,383
Lincoln Village	$1,806	$4,447
Taft Mosswood	$1,778	$4,378
August	$1,754	$4,319
Kennedy	$1,752	$4,314
French Camp	$1,810	$4,457
Garden Acres	$1,761	$4,336

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Stockton, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,470
Excellent (740-799)	$1,678
Good (670-739)	$1,785
Average (580-669)	$2,329
Poor (300-579)	$2,794

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Stockton, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$75	$1,788
Driver's Failure In Showing Documents	+$166	$1,879
Driving With An Expired Registration	+$176	$1,889
Driving At A Considerably Slow Pace	+$372	$2,085
Using A Cellphone While Driving	+$392	$2,105
Running A Red Light	+$399	$2,112
Speeding	+$420	$2,133
Driving A Vehicle Without The Required Permission	+$533	$2,246
Driving With An Expired/Suspended License	+$1,155	$2,868

Stockton, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,644
Active Disabling Device	$1,644
Tracking Device	$1,610
Passive Disabling Device	$1,593

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Latest Auto Insurance Reviews in Stockton, CA | Back to Top