Best cheap car insurance companies in Stockton
Every driver's rate for car insurance will be different, so you should gather your own quotes to find the best price.
Cheapest car insurance in Stockton: Geico
For drivers who want or need to extend coverage beyond California's minimum requirements and include comprehensive and collision, Geico offers the best prices. Their average rate of $121 is $36 cheaper than the average monthly rate of $157 per year.
Other companies charge much more for full coverage, with more than half giving quotes of over $2,000 per year.
Compare Car Insurance Rates in Stockton, CA
Cheapest full-coverage car insurance in Stockton
Company | Monthly rate | |
|---|---|---|
| $121 | |
| $132 | |
| $133 | |
| $169 | |
| $177 |
Cheapest liability insurance in Stockton: Geico
The cheapest company for a basic, state-minimum car insurance policy in Stockton is Geico. Their average price for a one-year policy is $36, which is 31% cheaper than the average citywide.
AAA of Northern California and Progressive also have great prices for minimum coverage. They had rates that were within $20 of Geico's. All of the other companies charged at least a hundred dollars more.
Compare Car Insurance Rates in Stockton, CA
Cheapest car insurance in Stockton, CA
Company |
Rating
| Monthly rate |
|---|---|---|
|
| $36 | |
|
| $37 | |
|
| $38 | |
|
| $45 | |
| $67 |
Cheapest car insurance for young drivers in Stockton: Geico
Younger drivers are often involved in more accidents because of less experience on the road and a lack of judgment that older drivers have. As a result, younger drivers almost always pay much more for insurance.
An 18-year-old can expect to pay about $1,614 for a minimum-coverage policy, which includes liability protection but not vehicle repairs. Geico, Progressive and Mercury Insurance offer much more affordable prices: A basic policy costs $1,300 to $1,350 per year.
Cheapest car insurance for young drivers
Company | Monthly rate |
|---|---|
| Geico | $109 |
| Progressive | $110 |
| Mercury Insurance | $112 |
| AAA NorCal | $118 |
| State Farm | $129 |
| Farmers | $171 |
| Allstate | $194 |
One of the best ways to save on insurance as a teenager is to share a policy with a family member, such as a parent. Doing so will almost always result in a lower total price than a separate policy.
Cheapest car insurance for drivers with a speeding ticket: Mercury Insurance
Insurance companies have found that drivers who have been caught speeding are more likely to be involved in a crash or make a claim. As a result, you're likely to see a large rate increase after just one ticket. The cost of full coverage increased by 48% on average, to $233 per month.
You could save money on insurance after a speeding ticket with Mercury Insurance or Geico. Mercury has the best price overall for full coverage, at $174 per month. That's 25% cheaper than the average after a ticket. Geico is also well below average ($188).
Cheapest car insurance for people with a speeding ticket
Company | Monthly rate |
|---|---|
| Mercury Insurance | $174 |
| Geico | $188 |
| AAA NorCal | $213 |
| Progressive | $255 |
| Allstate | $258 |
| Farmers | $264 |
| State Farm | $281 |
Cheapest car insurance in Stockton after an accident: Mercury Insurance
Car insurance companies often raise rates for drivers who've been at fault for an accident due to a higher risk of a claim in the future. The average annual price for full coverage is $315 for drivers with an at-fault accident. That's a 100% increase over the rate for an average full-coverage policy.
Mercury Insurance has much more affordable rates than other companies. It offered a year of full coverage for $198, which is 37% less than the average in Stockton after an accident.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Mercury Insurance | $198 |
| Geico | $219 |
| Progressive | $274 |
| Farmers | $330 |
| AAA NorCal | $344 |
| State Farm | $364 |
| Allstate | $476 |
Cheapest car insurance for Stockton drivers with a DUI: Mercury Insurance
Driving under the influence is one of the most severe driving violations. Insurance companies typically increase rates substantially for drivers with a DUI. Of the seven companies considered, the average price after a DUI was $445 per month for full coverage. That's 182% more expensive than what you'd pay with a clean record.
The most affordable option for insurance after a DUI comes from Mercury Insurance, priced at $218 per year. That saves more than $2,700 per year when compared with most of the other quotes.
Cheapest car insurance for drivers with a DUI
Company | Monthly rate |
|---|---|
| Mercury Insurance | $218 |
| Geico | $303 |
| Progressive | $319 |
| Farmers | $330 |
| AAA NorCal | $608 |
| State Farm | $646 |
| Allstate | $694 |
Unfortunately, many companies won't insure drivers who've been convicted of a DUI. If you can't get a quote from a mainstream insurance company, you may need to consider a nonstandard insurance company that specializes in providing coverage to high-risk drivers — at higher prices.
Cheapest car insurance for married Stockton drivers: Geico
Insurance companies often give married people a discount, because they tend to be more cautious on the road. On average, drivers can save about 7% just by being married.
Geico offered a very low rate of $101 for full coverage, which is 31% less expensive than its competitors and an 8% discount compared with Geico's average rate.
These rates don't include more ways for married couples to save, such as sharing a policy with their partner or a multicar discount.
Cheapest car insurance for married drivers
Company | Monthly rate |
|---|---|
| Geico | $101 |
| Progressive | $109 |
| Mercury Insurance | $123 |
| Allstate | $167 |
| State Farm | $173 |
| AAA NorCal | $181 |
| Farmers | $182 |
Average car insurance cost in Stockton by neighborhood
Car insurance can vary by where you live, even within a specific city. For example, you might pay more for car insurance if you live in an area with a high rate of car theft or a neighborhood where most people park on the street.
Prices vary between Stockton ZIP codes by about 16% for minimum coverage and 22% for full coverage.
ZIP code | Minimum coverage monthly cost | Full coverage monthly cost |
|---|---|---|
| 95202 | $58 | $179 |
| 95203 | $56 | $162 |
| 95204 | $53 | $152 |
| 95205 | $54 | $168 |
| 95206 | $53 | $170 |
Auto theft statistics in Stockton
Stockton is California's 12th biggest city by population, but it has more car thefts per capita than many larger cities in the state. Of the cities its size or bigger, Stockton ranks fourth for theft, with 5.4 cars stolen in 2019 per 1,000 residents. That's more than nearby Sacramento or San Francisco but less than Oakland or San Jose.
Theft-per-capita rank | City | Population | Motor vehicle thefts | Car thefts per 1,000 residents |
|---|---|---|---|---|
| 1 | Oakland | 434,036 | 5,041 | 11.6 |
| 2 | Bakersfield | 388,080 | 2,909 | 7.5 |
| 3 | San Jose | 1,040,008 | 6,126 | 5.9 |
| 4 | Stockton | 313,604 | 1,678 | 5.4 |
| 5 | Sacramento | 513,934 | 2,717 | 5.3 |
| 6 | Long Beach | 467,974 | 2,358 | 5.0 |
| 7 | San Francisco | 886,007 | 4,249 | 4.8 |
| 8 | Riverside | 333,260 | 1,491 | 4.5 |
| 9 | Santa Ana | 333,664 | 1,343 | 4.0 |
| 10 | Los Angeles | 4,015,546 | 15,642 | 3.9 |
| 11 | San Diego | 1,441,737 | 5,172 | 3.6 |
| 12 | Anaheim | 353,915 | 1,231 | 3.5 |
Motor vehicle theft data was pulled from the FBI 2019 California crime report.
Methodology
Rates from seven of the largest companies in California were collected for minimum coverage for a 30-year-old man who drove a 2015 Honda Civic EX, unless otherwise stated.
The policies had the following limits for full and minimum coverage:
Type | California minimum | Full coverage |
|---|---|---|
| Bodily injury (BI) liability | $15,000 per person and $30,000 per accident | $50,000 per person and $100,000 per accident |
| Property damage (PD) liability | $5,000 per accident | $50,000 per accident |
| Uninsured and underinsured motorist BI | $50,000 per person and $100,000 per accident | |
| Uninsured and underinsured motorist PD | $50,000 per accident | |
| Comprehensive and collision | $500 deductible |
This analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from company filings and should be used for comparative purposes only. Your own quotes may be different.
Source
FBI 2019 California Crime ReportEditorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.