Cheapest Auto Insurance in Stockton, California (2025)
USAA is the cheapest car insurance company in Stockton, with monthly liability rates as low as $82.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney 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.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Stockton residents pay an average of $231 per month for full-coverage car insurance, which is slightly higher than the California full-coverage average of $225 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 $2,776 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  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Teen drivers |
| Sun Coast | 2.3 | $254 | $102 | Drivers with a DUI |
| Clearcover | 7.1 | $137 | $67 | Drivers 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. | $63/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. | $99/mo |
4.1
Best choiceBased on 121 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 (45)
Arthur
June 29, 2025
Verified Purchase
Excellent
Good rates based on mileage!
Monica Jo
June 22, 2025
Verified Review
Inexpensive, but No Full Coverage
If you drive a lot, this isn't the insurance for you! They charge per mile.
Betty
June 11, 2025
Verified Purchase
Loving it with bumps...
I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy 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 | 3.7 |
|---|---|
| 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. | $103/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. | $256/mo |
3.7
A solid optionBased on 25 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 (10)
Taylor
March 10, 2025
Verified Review
Rip Off
They constantly raise the rates despite no history of accidents. It's ridiculous how they keep increasing the cost.
Marylou
September 9, 2024
Verified Purchase
Surprise!
Sun Coast is by far the best insurance I have found. The rates are awesome.
Patricia
August 14, 2024
Verified Review
Great so far
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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. | $137/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 55 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
June 12, 2025
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Very good at helping get some insurance.
Mohammad
April 25, 2025
Verified Review
Price Increase for My Two Old Cars
The price for insuring my two old cars increased by 100%.
Ray
December 4, 2024
Verified Review
All Good
Everything is good, no problems.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36A.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).
NRWhy 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
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 $92 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| National General | $93 |
| Sun Coast | $103 |
| Root | $103 |
| Anchor | $109 |
| Mercury | $111 |
| Dairyland | $111 |
| Allstate | $112 |
| Farmers | $115 |
| Direct Auto | $116 |
| State Farm | $125 |
| GEICO | $130 |
| Travelers | $131 |
| Bristol West | $134 |
| 21st Century | $143 |
| Nationwide | $176 |
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 $231 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Anchor | $176 |
| Root | $195 |
| USAA | $203 |
| Mercury | $206 |
| GEICO | $207 |
| Sun Coast | $256 |
| National General | $268 |
| Allstate | $281 |
| Farmers | $289 |
| State Farm | $313 |
| Direct Auto | $320 |
| Bristol West | $324 |
| Travelers | $328 |
| 21st Century | $357 |
| Dairyland | $363 |
| Nationwide | $441 |
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 Ford, Nissan, Lexus , and more.
*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on July 10, 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 July 10, 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 July 10, 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 July 10, 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 | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| 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:
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.
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.
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.
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.
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
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 $111 per month for liability coverage and $278 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $82 | $99 |
| National General | $93 | $112 |
| Sun Coast | $103 | $124 |
| Root | $103 | $132 |
| Anchor | $109 | $135 |
| Mercury | $111 | $146 |
| Dairyland | $111 | $135 |
| Allstate | $112 | $135 |
| Farmers | $115 | $140 |
| Direct Auto | $116 | $141 |
| State Farm | $125 | $149 |
| GEICO | $130 | $162 |
| Travelers | $131 | $160 |
| Bristol West | $134 | $164 |
| 21st Century | $143 | $177 |
| Nationwide | $176 | $214 |
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 $106 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $82 | $99 |
| National General | $93 | $111 |
| Sun Coast | $103 | $119 |
| Root | $103 | $125 |
| Anchor | $109 | $134 |
| Mercury | $111 | $149 |
| Dairyland | $111 | $134 |
| Allstate | $112 | $135 |
| Farmers | $115 | $139 |
| Direct Auto | $116 | $144 |
| State Farm | $125 | $149 |
| GEICO | $130 | $147 |
| Travelers | $131 | $159 |
| Bristol West | $134 | $163 |
| 21st Century | $143 | $176 |
| Nationwide | $176 | $214 |
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 $148 per month. Full-coverage policies jump to $372 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $82 | $126 |
| National General | $93 | $143 |
| Sun Coast | $103 | $166 |
| Root | $103 | $158 |
| Anchor | $109 | $160 |
| Mercury | $111 | $173 |
| Dairyland | $111 | $170 |
| Allstate | $112 | $172 |
| Farmers | $115 | $177 |
| Direct Auto | $116 | $178 |
| State Farm | $125 | $192 |
| GEICO | $130 | $200 |
| Travelers | $131 | $201 |
| Bristol West | $134 | $206 |
| 21st Century | $143 | $220 |
| Nationwide | $176 | $270 |
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 $144 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $68 | $168 |
| National General | $73 | $211 |
| Root | $89 | $169 |
| Sun Coast | $92 | $228 |
| Anchor | $92 | $149 |
| Dairyland | $92 | $302 |
| Direct Auto | $93 | $258 |
| Allstate | $93 | $233 |
| Farmers | $93 | $233 |
| Mercury | $94 | $174 |
| State Farm | $100 | $251 |
| GEICO | $105 | $167 |
| Travelers | $106 | $265 |
| Bristol West | $112 | $270 |
| 21st Century | $112 | $281 |
| Nationwide | $136 | $342 |
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 $179 for liability coverage and $448 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $154 | $380 |
| Root | $183 | $347 |
| Dairyland | $190 | $621 |
| National General | $194 | $558 |
| Sun Coast | $200 | $497 |
| Anchor | $200 | $323 |
| Mercury | $212 | $394 |
| Farmers | $223 | $560 |
| Allstate | $224 | $563 |
| Direct Auto | $233 | $644 |
| GEICO | $238 | $379 |
| State Farm | $242 | $606 |
| Bristol West | $247 | $596 |
| Travelers | $264 | $661 |
| 21st Century | $269 | $672 |
| Nationwide | $348 | $871 |
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.
Shop for Car Insurance in Stockton, CA
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Is car insurance more expensive in Stockton?
Full-coverage car insurance in the U.S. costs $193 per month, on average. Stockton drivers pay more, at $231 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 | Full Coverage | Liability Only |
|---|---|---|
| Bakersfield | $207 | $84 |
| Fresno | $193 | $87 |
| Los Angeles | $345 | $162 |
| Modesto | $218 | $96 |
| Riverside | $217 | $98 |
| Sacramento | $236 | $107 |
| San Diego | $197 | $87 |
| San Francisco | $290 | $114 |
| San Jose | $217 | $93 |
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 $92 per month for liability coverage and $231 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 $93 and $103.
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
- 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
)
Cheap Car Insurance Quotes in California Starting at $81
July 10, 2025
)
Why Is Car Insurance So Expensive in California?
July 8, 2025
)
Uninsured Motorist Coverage in California
January 28, 2025
)
Non-Owner Car Insurance in California
July 9, 2025
)
Best Car Insurance for New Drivers in California
July 9, 2025
)
Cheapest Liability Car Insurance in California
July 3, 2025
)
Cheapest Full-Coverage Car Insurance in California
July 3, 2025
)
How Much Is Car Insurance for a 17-Year-Old in California?
July 3, 2025
)
How Much Is Car Insurance for a 16-Year-Old in California?
July 3, 2025
)
Best Car Insurance in California
July 9, 2025
)
Car Insurance Discounts for California Drivers
July 3, 2025
Temporary Car Insurance in California
July 10, 2025
)
Cheap SR-22 Insurance in California
July 10, 2025
)
Rideshare Insurance in California
July 10, 2025
)
Car Insurance Requirements in California
July 10, 2025
)
Car Insurance for High-Risk Drivers in California
July 10, 2025
)
)
)
)
)
Cheap Car Insurance in Anaheim, CA, Starting at $84
July 10, 2025
)
Best Cheap Car Insurance in Victorville, CA, From $80
July 10, 2025
)
Cheap Car Insurance in Temecula, CA, Starting at $77
July 10, 2025
)
Cheapest Car Insurance Quotes in Santa Maria, CA
July 10, 2025
)
Best Cheap Car Insurance in Santa Ana, CA, From $78
July 10, 2025
)
Cheap Car Insurance in Santa Barbara, CA, Starting at $65
July 10, 2025
)
Best Cheap Car Insurance in San Jose, CA, From $78
July 10, 2025
Cheap Car Insurance in San Francisco, CA, From $102
July 10, 2025
)
Cheap Car Insurance in San Diego, CA, Starting at $71
July 10, 2025
)
Best Cheap Car Insurance in San Bernardino, CA, From $85
July 10, 2025
)
Cheap Car Insurance in Sacramento, CA, Starting at $86
July 10, 2025
)
Best Cheap Car Insurance in Riverside, CA, From $79
July 10, 2025
)
Best Cheap Car Insurance in Oxnard, CA, From $72
July 10, 2025
)
Best Cheap Car Insurance in Oakland, CA, From $94
July 10, 2025
)
Cheap Car Insurance in Moreno Valley, CA, Starting at $83
July 10, 2025
)
Cheap Car Insurance in Modesto, CA, Starting at $79
July 10, 2025
)
Cheap Car Insurance in Los Angeles, California, From $128
July 10, 2025
)
Best Cheap Car Insurance in Long Beach, CA, From $94
July 10, 2025
)
Best Cheap Car Insurance in Glendale, CA, From $148
July 10, 2025
)
Best Cheap Car Insurance in Fremont, CA, From $81
July 10, 2025
)
Best Cheap Car Insurance in Fresno, CA, From $70
July 10, 2025
)
Best Cheap Car Insurance in Elk Grove, CA, From $82
July 10, 2025
)
Cheap Car Insurance in Chula Vista, CA, Starting at $69
July 10, 2025
)
Cheap Car Insurance in Berkeley, CA, Starting at $93
July 10, 2025
)
Sources
- California Office of Traffic Safety. "OTS Crash Rankings Results."
- California DMV. "Auto Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- UC Berkeley. "Transportation Injury Mapping System."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
)
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 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.
Featured in
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.