The best car insurance in Stockton, CA

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 2, 2021

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Stockton, California drivers can expect to pay around $1,926 per year for full coverage car insurance. That’s about comparable to the average rates that all Californians pay, at $1,857 per year.

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But car insurance rates in California are higher than in most other U.S. states, so Stockton drivers can still take opportunities to save. The best way to save on car insurance is to compare quotes from multiple companies — Policygenius can help you see quotes from top car insurance providers so you can choose the coverage that’s best for you.

Key Takeaways

  • Wawanesa Insurance has the lowest average car insurance rates in Stockton at $1,077 per year for full coverage

  • Stockton drivers insured with Wawanesa Insurance who are arrested for a DUI can expect to pay around $1,000 more per year for car insurance

  • The minimum car insurance requirements in California are $15,000 per person/$30,000 per accident in bodily injury liability and $5,000 in property damage liability per accident

Cheapest car insurance companies in Stockton, CA

Car insurance rates are determined by many factors, like where you live, your age, and the kind of car you drive. All insurance companies use the same information when establishing rates, but their methods vary, which is why rates are different at different companies.

Company

Average cost

JD Power Rating

Wawanesa

$1,077

--

GEICO

$1,511

871

USAA

$1,540

890

National General

$1,609

815

Mercury Insurance

$1,623

849

Cheapest car insurance rates by ZIP code in Stockton, CA

ZIP codes are one of the biggest factors that companies use when it comes to establishing car insurance rates. Car insurance companies use statistics such as the number of stolen vehicles, accidents, and access to secured parking to set rates. Essentially, the higher the number of car thefts and accidents in a neighborhood, the more expensive car insurance rates will be.

ZIP code

Average cost

95202

$2,164

95203

$1,915

95204

$1,809

95205

$1,983

95206

$2,038

95207

$1,870

95209

$1,843

95210

$1,964

Choosing the right car insurance company in Stockton, CA

No one likes shopping for car insurance. Policygenius can help you identify which companies offer the best coverage at the best rates. When you compare quotes from top companies, make sure you’re looking at customer service ratings and coverage options in addition to price.

Car insurance rates for drivers with driving violations in Stockton, CA

Your driving record lets insurance companies know what kind of driver you are — whether you’ve been caught for speeding or caused accidents. Maintaining a clean driving history can save you a lot of money on your car insurance. 

Below are the average car insurance rates for drivers in Stockton with a speeding citation or other moving violation on their driving record.

Violation

Wawanesa

GEICO

USAA

National General

Mercury Insurance

At-fault Accident

$1,677

$2,766

$2,211

$2,436

$2,835

DUI

$1,998

$3,877

$4,544

$2,258

$2,708

Driving with a suspended license

$1,590

$2,774

$3,211

$2,316

$2,708

Driving with an open container

$1,998

$3,877

$3,415

$1,731

$2,708

Driving with expired registration

$1,590

$2,503

$1,736

$1,731

$2,166

Driving without Lights

$1,590

$2,503

$1,584

$1,731

$2,166

Failure to show documents

$1,590

$2,503

$1,736

$1,731

$2,166

Failure to stop at a red light

$1,590

$2,503

$1,736

$1,731

$2,166

Cheapest car insurance for drivers with bad credit in Stockton, CA

California is one of the few states that doesn’t allow your credit score to determine your car insurance rates. Insurance companies cannot consider it as a factor when you apply for coverage, so whether you have poor credit won’t affect the price you pay for insurance.

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Buying car insurance in Stockton, CA

To be legally insured in California, state law says drivers must have the following minimum liability insurance requirements:

  • Bodily injury liability coverage per person: $15,000

  • Bodily injury liability coverage per accident: $30,000

  • Property damage liability coverage: $5,000

  • A cash deposit of $35,000 with the Department of Motor Vehicles

  • Department of Motor Vehicles issued self-insurance certificate

  • Surety bond for $35,000 from a company licensed to business in California

Drivers should also consider optional coverages to fully protect their vehicle:

  • Comprehensive Insurance: This coverage usually covers events like theft, fire, and falling debris from earthquakes

  • Collision Insurance: This protection usually pays for repairs to your car if it is struck by another vehicle.

How to get cheap car insurance in Stockton, CA

Stockton drivers can pay a lot for car insurance. But many companies offer discounts as a way to save on premiums. Here are some of the most common:

  • Multi-line discount: The bundling of home, renters, and car insurance with the same company.

  • Safe driver Discount : For drivers who maintain a good driving record or take a defensive driving course.

  • Low mileage discount: For drivers whose total commute is less than 7,500 miles a year.

  • Military discount: A discount for active-duty service members and their families.

Not all drivers will qualify for these discounts, so ask your insurer about other ways to lower your car insurance costs.

Frequently asked questions

I’m getting married soon. Will my rates go up?

Many insurance companies see married couples as less likely to file a claim, so your rates could decrease once you’re married, but probably not by a lot.

I was pulled over but didn’t get a ticket. Does that affect my rates?

If you receive a warning instead of a ticket, your rates will not increase. Car insurance companies look at what’s on your MVR, which is your official driving record.

I was late paying my rent a few times. Will that affect my rates?

California is one of the few states that doesn’t use your credit score to determine insurance rates, so if you miss payments or have debt, that won’t lead to higher rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.