Cheapest Auto Insurance in Stockton, California (2025)

USAA is the cheapest car insurance company in Stockton, with monthly liability rates as low as $82.

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Cheapest recent rates near Stockton, California

Recent Stockton, California car insurance prices for BMW, Toyota, Hyundai , and more.

*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Stockton residents pay an average of $225 per month for full-coverage car insurance, which is slightly higher than the California full-coverage average of $221 per month.

But thanks to a low accident rate compared to other major cities like Los Angeles, Stockton drivers pay lower average rates for car insurance than drivers in other California cities.[1]

Here’s how you can compare quotes and find cheap car insurance companies in Stockton.

Quick Facts
  • USAA, National General, and Sun Coast have the cheapest car insurance in Stockton.

  • Stockton drivers pay an average of $2,703 per year for full-coverage insurance.

  • California prohibits insurers from using credit history, gender, and ZIP code as insurance rating factors.

3 of the cheapest car insurance companies in Stockton

Choosing the right car insurance company in Stockton requires careful evaluation of your personal needs and circumstances, not just looking for the cheapest auto insurance policies. Factors such as your driving history, vehicle type, and coverage preferences can influence which insurer offers the most affordable prices.

Here are some of the cheapest car insurance companies in Stockton.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Mile Auto8.8$108$63Teen drivers
Sun Coast2.3$253$101Drivers with a DUI
Clearcover7.1$137$67Drivers with a speeding ticket
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teen drivers: Mile Auto

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$101/mo
4.1
Best choiceBased on 135 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (47)
Bryan
Verified Review
Happy Customer
Reviewed in Tennessee on August 2025
I would like them to mail me annual wallet-sized insurance cards to show my coverage.
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
Arthur
Verified Purchase
Excellent
Reviewed in on June 2025
Good rates based on mileage!
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Mile Auto stands out as an excellent choice for young drivers who don’t spend much time on the road. With its innovative pay-per-mile insurance, low-mileage drivers may enjoy substantial savings of 30% to 40% on their current premiums.

Pros
  • Offers savings for drivers with low mileage

  • Doesn’t require an in-car telematics device

Cons
  • No mobile app

  • Just 2.8 (out of 5) stars on Trustpilot

Best insurer for drivers with a DUI: Sun Coast

User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$100/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$251/mo
3.8
A solid optionBased on 27 verified guest reviews and ratings
How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (11)
Jose
Verified Review
Great Insurance Rating
Reviewed in California on July 2025
Very reasonable price. Great customer service and they listen and work with you.
Taylor
Verified Review
Rip Off
Reviewed in Arizona on March 2025
They constantly raise the rates despite no history of accidents. It's ridiculous how they keep increasing the cost.
Marylou
Verified Purchase
Surprise!
Reviewed in Utah on September 2024
Sun Coast is by far the best insurance I have found. The rates are awesome.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

For people with a DUI on their driving record, Sun Coast offers affordable car insurance. Its comprehensive coverage options cater to various driving histories. Sun Coast also provides discounts for prior insurance policyholders, multiple cars, and homeowners, making it an attractive option for people who want affordable and inclusive coverage.

Pros
  • Low down payment options

  • Flexible billing plans

Cons
  • Can’t manage policy with a mobile app

  • No bundling options with home, renters, or life insurance

Best insurer for drivers with a speeding ticket: Clearcover

User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$141/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$198/mo
3.4
A solid optionBased on 57 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (38)
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 2025
Very good at helping get some insurance.
Mohammad
Verified Review
Price Increase for My Two Old Cars
Reviewed in Georgia on April 2025
The price for insuring my two old cars increased by 100%.
Ray
Verified Review
All Good
Reviewed in Maryland on December 2024
Everything is good, no problems.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Beyond affordability, Clearcover prides itself on providing a seamless customer experience, allowing policyholders to receive a customized quote quickly. Its efficient claims process ensures that customers can file a claim in as little as seven minutes, on average, delivering convenience and efficiency to policyholders.

Pros
  • Advertises an efficient claims process

  • Mobile app policy management available

Cons
  • No bundling available

  • Limited discounts

How to get the cheapest car insurance in Stockton

When searching for cheap car insurance in Stockton, remember these tips:

  • Prioritize safe driving. Uphold a clean driving record by adhering to traffic laws and avoiding accidents and violations, as this can positively influence your insurance rates.

  • Consider a higher deductible. If you choose a higher collision or comprehensive deductible, it can reduce your premium. But make sure you have sufficient savings to cover the deductible amount in case you need to file a claim.

  • Compare quotes. The goal isn’t to find the cheapest car insurance in Stockton but the right policy for the best price. Because insurers quote different rates to drivers, you should compare quotes from multiple insurance companies to find the best deal.

  • Maximize savings through policy bundling. Ask about multi-policy discounts when consolidating your car insurance with other policies, such as renters or homeowners insurance.

Find Cheap Car Insurance in Stockton

Liability rates start at $82 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Stockton: USAA

Liability-only car insurance offers financial protection in situations where you cause damages or injuries to others in an at-fault car accident. It doesn’t include coverage for your medical expenses or vehicle repairs. This type of insurance covers the medical expenses and property damage of the other party up to the limits specified in your policy, ensuring that you’re financially accountable in the event of an accident.

Liability-only insurance in Stockton costs an average of $91 per month.

Here are the car insurance companies with the cheapest liability-only policies in Stockton.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$82
National General$92
Sun Coast$100
Root$102
Dairyland$105
Anchor$107
Mercury$112
Allstate$113
Direct Auto$116
Farmers$117
State Farm$126
Bristol West$132
Travelers$133
GEICO$134
21st Century$145
Nationwide$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Stockton: Anchor

Liability-only car insurance provides essential protection against damages and injuries you cause to others, but it doesn’t cover your vehicle or medical bills. On the other hand, full-coverage car insurance offers comprehensive protection that goes beyond liability, ensuring more financial protection.

Full-coverage car insurance is particularly beneficial for drivers with valuable vehicles, people living in areas prone to accidents or theft, or anyone seeking extensive coverage for personal and third-party damages.

Stockton drivers pay a monthly average of $225 for full-coverage car insurance.

If you’re interested in finding the most affordable full-coverage policies in Stockton, refer to the table below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Anchor$179
Root$193
USAA$198
Mercury$205
GEICO$208
Sun Coast$251
National General$268
Allstate$273
Farmers$281
State Farm$304
Bristol West$317
Direct Auto$319
Travelers$319
21st Century$348
Dairyland$361
Nationwide$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Stockton, California

Recent Stockton, California car insurance prices for Chevrolet, Toyota, Hyundai , and more.

*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

The state of California requires drivers to purchase a minimum level of car insurance known as 30/60/15.

State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[2]

Coverage
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2024 Coverage Limits
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2025 Coverage Limits
sort ascsort desc
Bodily injury liability$15,000 per person / $30,000 per accident$30,000 per person / $60,000 per accident
Property damage liability$5,000 per accident$15,000 per accident

Although California requires minimum limits, it’s a good idea to add extra coverage to your auto policy if you’re concerned about paying for repairs after an at-fault accident, theft, or weather-related damage. Consider these optional coverages for added peace of mind:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers you against theft and damages that non-collision events cause, such as fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for repairs from damages in collisions with other vehicles or objects, regardless of fault. It also covers rollover accidents and damage from hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    Glass coverage

    This includes coverage for windshield and glass damages, with select policies offering zero-deductible coverage for side windows, rear windows, and glass sunroofs.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Particularly beneficial for financed or leased vehicles, gap insurance bridges the gap between your auto loan balance and the insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can cover your damages and injuries if an uninsured driver causes a collision with your vehicle. It can also pay if you're the victim of a hit-and-run accident.

California’s low-cost auto insurance plan

California’s Low Cost Automobile Insurance program (CLCA) exists to help low-income drivers buy affordable car insurance. The eligibility requirements for the program are:

  • Have a valid California driver’s license

  • Meet income eligibility requirements

  • Own a vehicle valued at $25,000 or less

  • Be at least 16 years old

  • Have a good driving record or be a new driver

It costs $232 to $932 per year to buy minimum-liability car insurance through the CLCA, depending on the county. But it also offers additional coverage options like uninsured/underinsured motorist and medical payments insurance for an extra $37 to $107 per year.

You can learn more and apply for the California car insurance program at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

For drivers with a history of incidents, such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, affordable car insurance becomes crucial. It’s important to remember that these incidents typically result in increased insurance premiums for several years since they indicate a higher likelihood of future claims.[3]

“Your driving record tells a story of what type of driver/risk you are. The more activity you have — for example, tickets or accidents — the more you will pay for car insurance,” says Steve Rivera, partner at The Liberty Company Insurance Brokers. “The less activity, or no activity at all, will provide preferred pricing.”

For affordable insurance with a spotty driving record, check out Insurify’s data on the cheapest companies below.

Shop for Car Insurance in Stockton, CA

Monthly rates start at $94 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

Stockton reported more than 450 speed-related crashes in 2023, so having a speeding ticket on your driving record will likely result in increased auto insurance premiums compared to having a completely clean record.[4]

Drivers in Stockton with a speeding ticket pay an average of $110 per month for liability coverage and $271 per month for full coverage.

To assist you in shopping for the best rates, here’s an overview of the average monthly liability-only quotes by insurance company for drivers with a speeding ticket in Stockton.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$82$99
National General$92$111
Sun Coast$100$120
Root$102$130
Dairyland$105$127
Anchor$107$132
Mercury$112$147
Allstate$113$136
Direct Auto$116$141
Farmers$117$142
State Farm$126$151
Bristol West$132$162
Travelers$133$162
GEICO$134$167
21st Century$145$180
Nationwide$178$217
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

If you have an at-fault accident on your driving record, it’s common for your auto insurance premiums to rise for three to five years. Insurance companies do this to offset potential financial risks associated with future accidents.[3]

Stockton drivers with an accident pay a monthly average of $105 for liability coverage.

If you live in Stockton and have an at-fault accident on your record, refer to the table below to see the most affordable average liability-only quotes Insurify identified for cost-effective coverage.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$82$99
National General$92$110
Sun Coast$100$115
Root$102$121
Dairyland$105$127
Anchor$107$133
Mercury$112$150
Allstate$113$136
Direct Auto$116$144
Farmers$117$141
State Farm$126$150
Bristol West$132$160
Travelers$133$161
GEICO$134$152
21st Century$145$178
Nationwide$178$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is undoubtedly a severe offense and results in considerably higher car insurance premiums.[3] Plus, California may require you to file SR-22 insurance with the state after a DUI conviction. Insurance companies perceive a DUI history as a substantial financial risk and may increase premiums accordingly.

Stockton had 73 alcohol-related accidents in 2023.[4] Liability insurance for Stockton drivers with a DUI costs an average of $147 per month. Full-coverage policies jump to $362 per month.

If you have a DUI on your record, here are the liability-only rates of the cheapest insurers in Stockton.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$82$128
National General$92$144
Sun Coast$100$161
Root$102$160
Dairyland$105$164
Anchor$107$157
Mercury$112$175
Allstate$113$177
Direct Auto$116$182
Farmers$117$183
State Farm$126$197
Bristol West$132$207
Travelers$133$208
GEICO$134$210
21st Century$145$227
Nationwide$178$279
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Age plays a crucial role in shaping car insurance rates. Prices generally decrease as drivers gain more experience and reach their mid-20s. But around age 70, premiums might undergo a slight increase due to increased accident risks.[5]

Senior drivers in Stockton pay an overall average of $141 per month for car insurance.

Here are the insurers with some of the lowest average quotes available for senior drivers in Stockton.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$68$163
National General$72$211
Dairyland$87$300
Root$87$165
Sun Coast$89$224
Anchor$90$151
Direct Auto$93$257
Farmers$94$226
Allstate$94$226
Mercury$95$173
State Farm$101$243
Travelers$107$257
GEICO$108$167
Bristol West$110$265
21st Century$114$274
Nationwide$138$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Car insurance for teenagers and young adults is frequently much more expensive than for older drivers due to their limited experience on the road and increased risk factors.[6] As a teenager, one effective strategy to find affordable car insurance is to remain on a parent’s insurance policy, as it often leads to more favorable premiums. Plus, teens younger than 18 won’t be able to buy their own policy without written consent from a parent or guardian.

Teen drivers in Stockton pay monthly averages of $173 for liability coverage and $428 for full coverage.

Additionally, choosing a safe and reliable vehicle equipped with good safety features and maintaining good grades to qualify for good student discounts can further help in getting affordable insurance. The following table showcases some of the lowest average car insurance quotes available for teens in Stockton, based on Insurify data.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$152$368
Dairyland$178$612
Root$181$343
National General$189$551
Sun Coast$190$478
Anchor$194$324
Mercury$213$390
Allstate$225$543
Farmers$226$543
Direct Auto$231$635
Bristol West$240$577
State Farm$242$585
GEICO$244$378
Travelers$267$641
21st Century$270$647
Nationwide$349$841
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in Stockton?

Full-coverage car insurance in the U.S. costs $192 per month, on average. Stockton drivers pay more, at $225 per month for the same coverage. But insurance rates can differ significantly by location, and factors such as weather, crime, and traffic affect rates.[6] 

More cities in California

While car insurance rates in Stockton tend to be higher than in many other California cities, there are exceptions. For example, cities like Los Angeles, which experienced significantly more traffic injuries and fatalities in 2023 than Stockton, typically have higher average car insurance costs.

To understand the variations in car insurance expenses, here’s a comparison of average car insurance quotes in some other California cities.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
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Bakersfield$202$83
Fresno$189$86
Los Angeles$335$161
Modesto$211$95
Riverside$208$97
Sacramento$231$106
San Diego$192$86
San Francisco$280$111
San Jose$211$91
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Stockton car insurance FAQs

Check out Insurify’s guide on the best ways to shop for car insurance for more information on the insurance-comparison process. Insurify answers additional questions about car insurance in Stockton below.

  • How much is car insurance in Stockton?

    The average cost of car insurance in Stockton is $91 per month for liability coverage and $225 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Stockton?

    USAA has the cheapest car insurance in Stockton, with monthly liability rates as low as $82. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $92 and $100.

    But the cheapest insurer for you will depend on many factors, such as your age, the type of car you drive, and the coverage levels you choose.

  • Can credit history affect your car insurance rates in California?

    No. Your credit history can’t affect your car insurance rates in California. The state prohibits insurers from using credit, gender, and ZIP code as insurance rating factors. This means that insurers can’t charge you more just because you have poor credit.[7]

  • How much car insurance do you need in California?

    California requires 30/60/15 minimum liability limits. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[2]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. California Office of Traffic Safety. "OTS Crash Rankings Results."
  2. California DMV. "Auto Insurance Requirements."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. UC Berkeley. "Transportation Injury Mapping System."
  5. III. "Senior driving safety and insurance tips."
  6. III. "What determines the price of an auto insurance policy?."
  7. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Jacqueline has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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