Bankrate reviewed car insurance providers in Stockton to determine not only which are the cheapest, but also the best. The cheapest car insurance rates in Stockton, based on Bankrate’s 2021 study of quoted annual premiums, were found with Wawanesa, State Farm, Geico and Progressive, although your actual rates may be more or less expensive depending on your personal circumstances.
The average cost of car insurance in Stockton for full coverage is $2,114 annually, or $176 per month, while the annual minimum coverage rate is $728. Keep in mind when researching cheap car insurance companies, insurance agents often advise against selecting a provider based solely on rates. Instead, you may want to look for a provider that offers both affordable rates but also is best suited for your personal driving needs.
Best cheap car insurance companies in Stockton
The best car insurance companies in Stockton for affordable rates are Wawanesa, State Farm, Geico and Progressive, according to Bankrate’s 2021 study of quoted annual premiums. Bankrate also considers other factors besides cheap rates, including how the provider performs with third-party industry ratings, such as J.D. Power and AM Best, available coverage options and discounts. Once each of these are reviewed. Based on these and other factors, we have assigned a Bankrate Score out of 5 possible points.
When shopping for the best car insurance in Stockton, be sure to consider that, sometimes, the cheapest provider may not fit your exact policy needs. Also keep in mind that your own rates may be higher or lower than the average, depending on your personal circumstances.
|Insurance company||Bankrate Score||J.D. Power customer satisfaction score||Average annual premium for full coverage||Average annual premium for minimum coverage|
Wawanesa has the cheapest rates for full coverage in Stockton on our list. 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. However, Wawanesa does not offer other policies, such as homeowners insurance, so it may not be a good option for people looking to bundle insurance policies.
Learn more: Wawanesa Insurance review
Geico offers some of the most affordable car insurance in Stockton among carriers we reviewed, and is also a highly tech-driven company that makes it possible to manage all aspects of your auto insurance from your smartphone or tablet. From the convenience of online tools and resources to multiple lines of insurance that could provide you with bundling discounts, Geico could be a solid choice for the economical consumer. Even though the coverage options are fairly basic, the high J.D. Power customer satisfaction ratings might make up for it.
Learn more: Geico Insurance review
Besides the variety of coverages and the suite of discounts, Progressive offers a variety of features, such as the Name Your Price tool, which gives you an estimate of the type of coverage possible based solely on 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. Progressive is not the cheapest option on this list, but the numerous digital features make it a convenient choice.
Learn more: Progressive Insurance review
If a household name is what you want for car insurance, State Farm might be a top contender for you. It also happens to be one of the cheapest car insurance companies we reviewed. Although both the full and minimum coverage policies come in higher than the other three on our list, State Farm offers plenty of benefits, such as a large network of agents and a highly-rated mobile app. While the A (Excellent) AM Best rating is impressive, customers may not be as impressed with the limited number of discounts offered compared to other providers.
Learn more: State Farm Insurance review
How to get and keep the cheapest car insurance in Stockton
Not only do you need to know how to find the cheapest insurance rates, but knowing how to keep them is important too.
- Shop multiple insurance providers. Shopping around and comparing rates from multiple providers is typically one of the best ways to find the lowest rates. This allows you to compare coverage and rates apples-to-apples, with the exact coverage you need based on your personal information. Plus you will get an idea of how easy it is to communicate or work with each provider.
- Maintain a clean driving record. While nobody is perfect, the cleaner you can keep your driving record the more likely it is you will be rewarded with cheap car insurance rates. Anytime you have a moving violation or accident on your record it indicates to the insurance provider you could be a higher risk, which can increase your rates. Focusing on safe driving habits and a clean driving record could help keep your rates lower.
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. The best car insurance companies are based on the factors most important to you. This could include customer service ratings, coverage and discount options or how easy the digital tools are to use, such as the website or mobile app. First evaluate what is most important to you, then you can narrow down your list for the best car insurance company.
How can I lower my car insurance rates in Stockton?
In addition to comparing rates from multiple providers and keeping a clean driving record, be sure to evaluate the coverage options you have selected. Make sure you have the right coverage for your driving habits and with appropriate limits. If you’re unsure what you need, consider speaking with a licensed insurance agent.
How much car insurance do I need in Stockton?
Anywhere in California, you need to have the mandated 15/30/5 coverage in order to drive legally, which means $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident and $5,000 in property damage coverage. Though this is the minimum required amount of insurance, it is often recommended by many insurance experts to buy more than the minimum amount required in order to better protect your finances in the event of an accident. To help determine how much insurance is right for you, consider speaking with a licensed insurance agent.
Why are car insurance rates in Stockton so high?
Californians do pay more on average for car insurance versus many other states. Although there are numerous contributing factors, the higher rates in Stockton are likely due, at least in part, to congested roadways and a higher cost of living than other areas of the country.
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.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.