Who Has the Cheapest Car Insurance in Stockton, California?

Who Has the Cheapest Car Insurance in Stockton, California?

Compare Car Insurance Rates in Stockton, CA

Currently insured?

We compared the best options for car insurance in Stockton, California, and found that the average annual price is $633 for a minimum coverage policy and $1,889 for full coverage. Geico offers the best rate for most drivers, with an average rate that is 31% cheaper for state-minimum coverage.

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#Stockton-cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for full coverage","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#full-coverage","linkText":"Cheapest for full coverage"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for prior incidents","cloudinaryImageName":"referral_logos\/us\/insurance\/mercury-2","link":"#incidents","linkText":"Cheapest for prior incidents"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for young drivers","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#young","linkText":"Cheapest for young drivers"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#Stockton-cheapest-companies","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for full coverage","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#full-coverage","linkText":"Cheapest for full coverage"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for prior incidents","cloudinaryImageName":"referral_logos\/us\/insurance\/mercury-2","link":"#incidents","linkText":"Cheapest for prior incidents"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for young drivers","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#young","linkText":"Cheapest for young drivers"}

Every driver will find different rates for car insurance, so we recommend gathering your own quotes to find the best price for you.

Cheapest auto insurance in Stockton: Geico

The cheapest insurer for a basic state-minimum car insurance policy in Stockton is Geico. We found that its average price for a one-year policy is $435, which is 31% cheaper than the average citywide.

AAA of Northern California and Progressive also have great prices for minimum coverage; these insurers offered our sample driver quotes that were within $20 of Geico. All the other insurers we looked at charge at least a hundred dollars more.

AAA of Northern California, also called AAA NorCal or CSAA, is only available to residents of Northern California. The Auto Club of Southern California provides car insurance to its customers through a separate company.

Cheapest car insurance companies in Stockton, California.

Compare Car Insurance Rates in Stockton, CA

Currently insured?
Rank
Company
Annual rate
1Geico$435
2AAA NorCal$444
3Progressive$455
4Mercury$542
5State Farm$803
6Allstate$860
7Farmers$894

Cheapest full coverage car insurance in Stockton: Geico

For drivers who want or need to extend their coverage beyond what's required to drive in California and include comprehensive and collision coverage on their insurance, Geico offers the best prices overall. Its average rate of $1,447 is 23% cheaper than the average rate overall of $1,889 per year.

Other insurers charge much more for full coverage, with more than half of the insurers we looked at offering quotes over $2,000 per year.

Rank
Company
Annual rate
1Geico$1,447
2Mercury$1,583
3Progressive$1,593
4AAA NorCal$2,030
5Allstate$2,124
6State Farm$2,196
7Farmers$2,250

In addition to state-mandated liability protection, full coverage also includes the following:

  • Comprehensive coverage: Pays for damage to your vehicle from a cause other than a crash, such as an animal or vandalism. It also covers theft.
  • Collision coverage: Pays for damage your vehicle sustains in a crash, regardless of who is at fault.

Cheap car insurance for drivers with prior incidents

Car insurers set rates in part by looking at your driving history. If you have a recent driving incident on your record, such as a speeding ticket or an at-fault accident, you're likely to pay more for insurance than someone with a clean record. Higher rates make it even more important to shop around since the price difference from one insurer to another varies even more.

Cheapest car insurance in Stockton after an accident

Car insurance companies often raise rates for drivers who've been found at fault in an accident because they are more likely to make another claim in the future. We found an average annual price for full coverage of $3,779 for drivers with an accident. That's a 100% increase over the rate for an average full coverage policy.

We found that Mercury has much more affordable rates than other insurers. It offered our sample driver a year of full coverage for $2,380 — 37% less than the average among insurers we considered in Stockton.

Rank
Company
Annual rate
1Mercury$2,380
2Geico$2,625
3Progressive$3,284
4Farmers$3,958
5AAA NorCal$4,126
6State Farm$4,367
7Allstate$5,711

Cheapest car insurance for people with a speeding ticket: Mercury

Insurers 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 substantial increase in rates, even after just one ticket: Our sample driver's rates increased by 48% on average to $2,801 for full coverage.

You could save money on insurance after a speeding ticket by looking at Mercury and Geico. Mercury has the best price overall at just $2,093 per year for full coverage. That's 25% cheaper than the average. Geico is also well below average, at $2,260 per year.

Rank
Company
Annual rate
1Mercury$2,093
2Geico$2,260
3AAA NorCal$2,555
4Progressive$3,060
5Allstate$3,096
6Farmers$3,166
7State Farm$3,376

Cheapest car insurance for drivers with a DUI: Mercury

Driving under the influence is one of the most severe driving violations, and insurance companies typically increase rates substantially for drivers who've been convicted. Across the seven major insurers we considered, the average price after a DUI is $5,343 per year for full coverage. That's 182% more expensive than what you'll pay without one on your record.

Our sample driver was able to find the most affordable option for insurance after a DUI at Mercury, which offered him a price of $2,618 per year. That would save him more than $2,700 per year when compared to most insurers.

Rank
Company
Annual rate
1Mercury$2,618
2Geico$3,636
3Progressive$3,825
4Farmers$3,958
5AAA NorCal$7,290
6State Farm$7,746
7Allstate$8,330

Unfortunately, many insurers simply aren't interested in insuring drivers who've been convicted of driving under the influence. If you can't get a quote from a mainstream insurance company in Stockton, you may need to consider a nonstandard insurer, which is an insurer that specializes in providing coverage to high-risk drivers — albeit at higher prices than they may find elsewhere.

Cheapest car insurance for married drivers: Geico

Insurance companies often give married people a discount because they tend to be more cautious on the road — on average, we found that drivers can save about 7% on their bill just by virtue of being married.

Geico offered our sample driver a particularly low rate of $1,214 for full coverage, which is 31% less expensive than its competitors and an 8% discount compared to Geico's average rate.

These rates don't include other ways for married couples to save like sharing a policy with their partner or a multicar discount, which may help you save even more.

Rank
Company
Annual rate
1Geico$1,214
2Progressive$1,303
3Mercury$1,470
4Allstate$2,002
5State Farm$2,079
6AAA NorCal$2,174
7Farmers$2,187

Cheapest car insurance for young drivers: Geico

Younger drivers are less experienced on the road and may not have the same judgment as older drivers, so they're often involved in more accidents; as a result, younger drivers almost always pay much more for insurance than older adults.

Our sample 18-year-old can expect to pay about $1,614 for a minimum coverage policy, which includes liability protection but not damage to the vehicle. But we found much more affordable prices at Geico, Progressive and Mercury, which offered us average quotes between $1,300 and $1,350 for basic coverage.

Rank
Company
Annual rate
1Geico$1,302
2Progressive$1,321
3Mercury$1,342
4AAA NorCal$1,416
5State Farm$1,545
6Farmers$2,047
7Allstate$2,324

Younger drivers almost always pay more for car insurance than older drivers, but one of the best ways to save on insurance as a teenager is to share a policy with a family member like a parent. Doing so will almost always result in a lower total price than maintaining your own separate policy.

Best auto insurance companies in Stockton, California

We always encourage drivers to shop around for the best price for their car insurance, but finding an insurer with great customer service is just as important. We found that the best service in Stockton is available at State Farm, Allstate and Farmers Insurance.

Those insurers performed the best among insurers available in Stockton in our national survey of insurance customer satisfaction. Customers were most likely to be happy with claims and general customer service at those insurers.

For a full analysis of car insurance service statewide, see our full review of California car insurance.

Average car insurance cost in Stockton, by neighborhood

Car insurance can vary based on where you live, even within a specific city: For example, you might pay more for car insurance if you live in an area with high rates of car theft or a neighborhood where most people park on the street.

We found that prices vary by about 16% for minimum coverage across different ZIP codes in Stockton and by about 22% for full coverage. See the full cost breakdown below.

ZIP code
Minimum coverage annual cost
Full coverage annual cost
95202$698$2,142
95203$677$1,949
95204$632$1,829
95205$644$2,018
95206$641$2,041
95207$622$1,873
95209$629$1,836
95210$667$1,970
95211$620$1,798
95212$635$1,858
95215$604$1,844
95219$610$1,760

Auto theft statistics in Stockton

Stockton is California's 12th-biggest city by population, but it has more car theft per capita than many larger cities in the state. Among the cities its size or bigger, it has the fourth-most theft, with 5.4 cars stolen per 1,000 residents in 2019. That's more than nearby Sacramento or San Francisco but less than Oakland or San Jose.

Theft-per-capita rank
City
Population
Motor vehicle theft
Car thefts in 2019 per 1,000 residents
1Oakland434,0365,04111.6
2Bakersfield388,0802,9097.5
3San Jose1,040,0086,1265.9
4Stockton313,6041,6785.4
5Sacramento513,9342,7175.3
6Long Beach467,9742,3585.0
7San Francisco886,0074,2494.8
8Riverside333,2601,4914.5
9Santa Ana333,6641,3434.0
10Los Angeles4,015,54615,6423.9
11San Diego1,441,7375,1723.6
12Anaheim353,9151,2313.5

Motor vehicle theft data was pulled from the FBI 2019 California crime report.

Methodology

We collected data from seven of the largest insurers in California. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a minimum coverage policy.

We used the following limits for full and minimum coverage policies:

Type
California minimum
Full coverage
Bodily injury (BI) liability$15,000 per person/$30,000 per accident$50,000 per person/$100,000 per accident
Property damage (PD) liability$5,000 per accident$50,000 per accident
Uninsured/underinsured motorist BI$50,000 per person/$100,000 per accident
Uninsured/underinsured motorist PD$50,000 per accident
Comprehensive and collision$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Editorial 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.