Best cheap car insurance in Stockton

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As California’s 13th largest city, Stockton is not only home to the state’s oldest university or the Sunrise Seaport, but also some of the busiest roadways. In 2018, there were 2,037 serious traffic accidents in Stockton, resulting in either injury or death. With a dense population of over 300,000 people and a growing number of road accidents, the cost of car insurance in Stockton remains on the higher side — $728 per year for minimum coverage and $2,114 for full coverage.

Like most American states, insurance is mandatory everywhere in California, and cheap coverage is what many motorists look for. There are more than 20 insurance providers in Stockton, but we have compiled a list of the ones that offer the best coverage options, customer service and pricing without breaking the bank.

Best car insurance companies in Stockton

There is more to car insurance than just the cost. The ease of filing a claim, getting timely support and being paid quickly are some of the factors that may also be considered when choosing an insurance provider. According to the 2020 J.D. Power Auto Insurance Study, the following four companies stand out for best service in the California region.

Insurance company J.D. Power score
(California region)
Average annual premium for minimum coverage Average annual premium for full coverage
Wawanesa 853 / 1000 $611 $1,519
State Farm 836 / 1000 $754 $2,135
Geico 828 / 1000 $526 $1,661
Progressive 823 / 1000 $661 $1,803

Wawanesa

One of the oldest insurance providers in the country, Wawanesa was founded in 1896 and has been offering auto insurance ever since. For budget-conscious drivers, Wawanesa offers affordable coverage. Although it does business only in Oregon and California, Wawanesa takes first place in the 2020 J.D. Power Auto Insurance Study for its superior service and overall customer satisfaction.

Besides basic liability, collision and comprehensive coverages, Wawanesa offers additional perks such as roadside assistance, rental reimbursement and manufacturer replacement parts coverage. Wawanesa sells policies directly, and people can buy insurance from its website in a matter of minutes.

State Farm

If a household name is what you want for car insurance, State Farm is likely a top insurer for you. As the largest insurance provider in the country, State Farm lets you choose from standard and comprehensive options, with add-ons such as rental reimbursement, roadside assistance and travel expenses coverage keeping you protected under any circumstance. State Farm also has a long list of discounts, the most popular being the Drive Safe & Save program. The mobile app and website are handy for busy people and as one of the top five insurers, you can rest assured about timely claim payouts from the company as the company has an A (Excellent) AM Best rating.

Geico

Not only does Geico offer some of the most affordable car insurance in Stockton, but it is also a highly tech-driven company that makes it possible to buy and manage policies without needing to talk to a real person. From the convenience of online tools and resources to multiple lines of insurance resulting in bundling discounts, Geico is made for the economical consumer. Even though the coverage options are fairly basic, the high customer satisfaction makes up for it.

Progressive

In the auto insurance industry, Progressive ranks as the third-largest, with pocket-friendly policies that potentially help customers save up to $750 a year. Besides the variety of coverages and the suite of discounts, Progressive offers some unique features, such as the Name Your Price tool, which gives you an estimate of the type of coverage possible within your budget. The Snapshot safe driver program can track your driving behavior and potentially earn you discounts and the Flo Chatbot is available for quick and easy online assistance.

Since Progressive sells various types of insurance products, it is possible to save money by bundling two or more policies.

Cheapest car insurance in Stockton

California is one of the most expensive states for car insurance. While the national average for full coverage is $1,674 annually, in California it costs $2,065 annually for the same coverage. In comparison, Stockton pays $2,114 annually for full coverage car insurance, a few hundred dollars higher than the state average. Since car insurance is mandatory for being able to drive legally, many motorists in Stockton may choose minimum coverage, which American Automobile Association (AAA) offers at the cheapest cost in this city. At $519 per year, you get basic liability insurance. However, you must be an AAA member to qualify for insurance.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
AAA $519 $2,205
Geico $526 $1,661
Mercury $638 $1,731
Travelers $658 $1,848
Progressive $661 $1,803

Geico and Mercury both offer reasonable minimum and full coverages. The more popular of the two, Geico costs only $526 per year for liability coverage and is best for those who want only the basic features from a financially stable, name-brand insurer. Mercury provides minimum coverage at $638 per year and additional coverage at $1,731 per year. However, the company has more than the average number of customer complaints from the National Association of Insurance Commissioners (NAIC) and falls behind many others in third-party scores. Those looking for extra perks may also find better options elsewhere.

For more varied coverage options, look to Progressive and Travelers. Both companies rank well in the industry and have something for all types of motorists. Travelers is also the only company on our list to offer a discount for those who own a hybrid vehicle. When comparing quotes from multiple insurers, consider looking for the best value for money rather than only the cheapest price.

Stockton insurance requirements

California has a minimum coverage requirement of 15/30/5 and it also applies to Stockton. This means that a motorist must have:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $5,000 property damage coverage

The minimum coverage helps pay costs for damages to others caused by your vehicle, but it does not protect your vehicle. If you have a new car, auto loan or if you live in a region with high traffic fatalities or inclement weather, you might either be required to purchase full coverage for your loan or consider purchasing it to more fully protect yourself.

Car insurance discounts in Stockton

Regardless of the cost of premiums, it is possible to save money by availing of auto insurance discounts. Every insurance provider offers a few different types of discounts, the most common of which are:

  • Safety discount: When a vehicle is equipped with safety features such as anti-lock brakes, airbags and anti-theft alarms, it could earn you a discount from some insurers.
  • Bundling discount: Combining multiple policies into a single annual premium is often rewarded by insurance companies.
  • New vehicle discount: If your vehicle is a brand new model, you might get a price cut on your premium.
  • Paid in full: Paying your annual premium in full at the start of your policy could get you a percentage off your premium.
  • Good driver discount: Having a clean driving record or taking a pre-approved safe driving course may make you eligible for a discount.

Safe driving habits are usually a good way to help ensure additional savings, but there are several discounts that may apply after comparing auto insurance quotes and purchasing your coverage.

Frequently asked questions

What is the best car insurance company?

Since insurance is highly personal, it is difficult to call one company better than the rest. However, the best car insurance companies are usually the ones that have stood the test of time and provided consistently excellent service for years.

How much does car insurance in Stockton cost?

California is an expensive state and so is insurance in Stockton. For basic coverage, you have to pay an average of $728 per year, while full coverage will set you back by $2,114 per year. Your rate will likely be different depending on multiple factors such as your age and driving history.

How much car insurance do I need in Stockton?

Anywhere in California, you need to have the mandated 15/30/5 coverage, which means $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident and $5,000 in property damage coverage. Though this is the minimum required amount of insurance, it is recommended by many insurance experts to buy fuller coverage in order to protect your vehicle in case of an accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

Rates are determined based on 2021 Quadrant Information Services data.

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

About the author


Cynthia Widmayer

Cynthia Widmayer

Cynthia Widmayer has over two years of experience as an insurance and personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.