Gianetta PalmerAndrew Hurst


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.

 & Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated May 1, 2022

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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.


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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.

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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.





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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

What is the cheapest car insurance in Stockton, California?

Wawanesa is the cheapest car insurance for most drivers in Stockton. Drivers may get affordable coverage with GEICO and USAA, too.

How much is car insurance per month in Stockton, California?

On average, drivers in Stockton, California, pay $160 per month for car insurance — slightly more than what the typical cost of coverage is in the rest of the state.

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

In Stockton, drivers must carry at least $15,000 of bodily injury liability coverage per person, $30,000 per accident, and $5,000 of property damage liability.

What are the penalties for driving without car insurance in Stockton, California?

If you drive uninsured in Stockton, you could be fined, your license may be suspended, you would have to pay a reinstatement fee, and your car may be impounded.


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.