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.
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.
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.
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.
- Stockton, CA Auto Insurance Rates
- Stockton, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Stockton, CA
- Multi Vehicle Insurance Savings in Stockton, CA
- How Credit Score Affects Car Insurance Rates in Stockton, CA
- How DUI Affects Auto Insurance Premiums in Stockton, CA
- How Driving Violations Affect Auto Insurance Rates in Stockton, CA
- Stockton, CA Auto Insurance Discounts on Anti Theft Feature
- Stockton, CA Auto Insurance Company Reviews
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|
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, 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|
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|
Savings on 2 Vehicles bundle:$445
Savings on 3 Vehicles bundle:$668
Savings on 4 Vehicles bundle:$891
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, 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|
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|
|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|
|Active Disabling Device||$1,644|
|Passive Disabling Device||$1,593|
Latest Auto Insurance Reviews in Stockton, CA | Back to Top
I am very satisfied with their customer service. They get me the information I need without trying to upsell me too much. They are also polite and friendly.
They are the cheapest auto insurance company that I have ever had, which also provides great services and offers all of the services I need.
I would recommend, as I have had good service with this company and will continue to use them in the future. As stated, the agent is one in a million,
I havent had to deal with customer service I can do everything that I need form the app. all of my questions can be answered there
Car insurance in Nevada, and Las Vegas in particulal, seems very expensive. I will be shopping around for a better deal at the end of my policy year.
The premium and deductible is similar of course what you pay depends on what deductible ratio is selected and how much customer pays is greatly dependent on this.
Policy is at least $40 a month cheaper than other companies while saving me money also. This saves me almost $500 a year.
Our auto insurance is fantastic. We have never had an issue in all the years we've had them and we had ONE claim against us for an accident last year.
It's great one but would like to start shopping other companies as we feel premium and deductible are high.
It's great one but would like to start shopping other companies as we feel premium and deductible are high.
It may sound silly but I think GEICO spends way too much on advertising. While it may help their business, I cannot imagine this huge expense does not impact how much their customers pay for insurance.
The customer support is great. They work as a team so you are always able to get someone on the line to help you and you never have to leave a message.
Progressive has offered me the lowest deductibles for the money as compared to other insurance companies I have tried even after my 'introductory rate' went up.
We have been with this insurance company since 1997. They have always been very helpful, polite and supportive.
My current insurance is expensive but I needed to transition my coverage when I moved. They provided that.
Am satisfied with them they gave me more for less, they even reduce my premium for good driving.
They offered what my other auto insurance offered for less.
They hit all the marks where it counts. They offer a relatively low price point in comparison with their competitors, and they always take care of claims and customer inquiries. The website is easy to navigate, and the bill payment is painless. If I chose to get basic liability in the future, they would still have one of the better prices from what I understand.
Their telephone line makes it difficult to get through to a live human representative. It should be made easier.