Which Company Offers The Best Cheap Car Insurance in Stockton, California?

In Stockton, CA, the annual car insurance rates average around $1,978. This is slightly more expensive than the statewide average, which is $1,868. This regional price is also higher than the $1,548 national average. These prices are determined by taking several factors into account, primarily:

• Gender
• Marital status
• Age
• Driving history
• Credit score

To learn more about Stockton car insurance and how to save on your next policy, be sure to read on! Our free online insurance quote comparison tool at the top of this page can help you compare rates instantly between the top auto insurance companies in Stockton, CA.

Jump to Stockton car insurance rates by:

• Insurance Company
• Age Bracket
• Marital Status
• Driving History
• Other Factors

Stockton, CA Car Insurance

Stockton Car Insurance Rates by Insurer

Insurance carriers will naturally have different rates for the same driver profile. There are cheap car insurance providers that are not worth their lower rates. However, there are also providers in Stockton, CA, such as GEICO, that are worth looking into because of their excellent plans and cheaper rates. Comparing insurers is important and has been expedited for you by the tables below:

Stockton Car Insurance Rates by Company

Stockton Car Insurance Rates by Age

Stockton car insurance companies consider age as a significant factor when providing quotes. Certain age groups qualify for lower rates when they purchase car insurance. Those who are older, such as drivers who are in their 60s, would typically be paying less than those who are in their 50s or 20s. The group that pays the most for car insurance in Stockton, CA are teenagers, with the difference in rates being as high as $4,276.

Stockton Auto Insurance Rates by Age Group

Stockton Car Insurance Premiums by by Gender and Marital Status

Stockton drivers who are married or widowed typically pay less for auto insurance than those who are single. However, the difference is not significant.

Marital status aside, gender also plays a role in determining car insurance rates. Female drivers often have to pay more than their male counterparts. But in Stockton, that difference is only $1, which is nearly negligible.

Stockton Car Insurance Rates by Marital Status and Gender

Stockton Car Insurance Rates by Driving History

Driving history will affect the car insurance rates that are available to clients in Stockton, CA. Drivers who have never committed violations will almost always pay less than those who don't have violations on their driving history.

Examples of Infractions Include:

• At-fault accidents
• DWIs
• Citations for reckless driving
• DUIs
• Speeding tickets

In Stockton, CA, drivers who were charged for reckless driving will see their car insurance rates increase by $3,399 yearly, as compared to the city average. Those who were issued a speeding ticket will also receive an $810 increase in their rates. Meanwhile, DUI violations will increase car insurance premium costs by $3,301.

Stockton Car Insurance Rates by Driving History and Violation

Other Factors That Impact Your Car Insurance Rates Stockton, CA

The are a number of addiontal factors that can affect your car insurance rates.

Auto insurance companies in Stockton will often look into a client's personal information, such as where the driver lives or works. Through this information, the providers will be assess the crime and accident statistics in the area before providing you with a final quote.

Even something as simple as ZIP codes will matter, as they can cause premiums to increase. For a reference to how ZIP codes impact Stockton car insurance rates, take a look at the following:

Expensive Stockton ZIP codes: 95206, 95215, 95210, 95205, 95202

Cheap Stockton ZIP codes:95219, 95296, 95297, 95212, 95203

Driving conditions are also a factor that influence auto insurance premiums in Stockton, as they can lead to wet brakes, slick roads, or decreased visibility. An average of 710,000 car accidents per year occur in the state of California, with some of them being related to incliment weather. There is a yearly average of 54 rainy days in Stockton, CA. Finally, Stockton is an area that is prone to earthquakes and wildfires, which also affects the insurance rates.

Stockton Car Insurance Frequently Asked Questions

Is car insurance mandatory in Stockton, CA?

Car insurance is a legal requirement across all states in the United States for car owners.

Can I get car insurance without a car in Stockton, CA?

A non-owner car insurance policy is available for those without cars they personally own.

What is the minimum car insurance required in Stockton, CA?

Bodily injury liability and property damage liability.

Will my car insurance also cover car rentals?

Personalized car insurance policies typically cover rented cars within the US.

If my friend crashes the car, is it covered by my insurance?

With auto liability coverage, collision coverage, and medical payments coverage, the expenses will come from your insurance plan.