120+ more*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on June 10, 2026. 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 June 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Stockton drivers pay an average of $140 per month for car insurance, at $87 for liability-only coverage and $193 for full coverage.
The average cost of car insurance in Stockton is higher than California’s statewide premium of $147 per month.
Compared with the much larger neighboring city of San Francisco, where drivers pay an average of $166 per month, the costs in Stockton might feel more manageable. In nearby Modesto, rates are on par with Stockton, averaging $139 per month.
Stockton’s landlocked location makes it less vulnerable to coastal storms, which may help keep rates lower. But the city’s above-average car theft rates likely contribute to premiums exceeding the average cost of car insurance in California.
If you want to drive in Stockton or anywhere else in California, you’ll need to carry a minimum amount of liability car insurance. Specifically, you must buy at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.[1]
After an at-fault accident, your state-mandated insurance coverage can help you cover some of the other driver’s vehicle repairs and medical bills, though it may not cover all the damages. On average, USAA and Aspire General offer the cheapest rates for Stockton drivers seeking liability-only coverage.
The table below shows the cheapest liability car insurance rates in Stockton.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $62 |
| Aspire General | $66 |
| GEICO | $68 |
| Sun Coast | $69 |
| Mercury | $70 |
| National General | $70 |
| Dairyland | $76 |
| Root | $83 |
| Allstate | $86 |
| Direct Auto | $86 |
| Farmers | $88 |
| Anchor | $90 |
| State Farm | $94 |
| Bristol West | $95 |
| Kemper Special | $98 |
| Travelers | $100 |
| Kemper Rsvp | $108 |
| 21st Century | $109 |
| Nationwide | $133 |
| Chubb | $170 |
Liability quotes start at $62/mo.
Stockton drivers who want a bit more financial protection can opt for a full-coverage auto insurance policy. In addition to liability limits above the state minimum, a full-coverage policy includes comprehensive coverage and collision coverage to help you make repairs or replace your vehicle after an accident.
Due to the city’s high vehicle theft rate, occasional hailstorms, and moderate wildfire risk, Stockton drivers may appreciate the more robust protection this type of insurance offers.
The table below highlights the lowest full-coverage car insurance rates in Stockton from different companies.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $115 |
| Root | $129 |
| Mercury | $134 |
| GEICO | $136 |
| USAA | $136 |
| Kemper Special | $152 |
| Kemper Rsvp | $155 |
| Sun Coast | $159 |
| Anchor | $172 |
| Dairyland | $177 |
| National General | $184 |
| Allstate | $189 |
| Farmers | $194 |
| Bristol West | $203 |
| Direct Auto | $209 |
| State Farm | $210 |
| Travelers | $221 |
| 21st Century | $241 |
| Nationwide | $296 |
| Chubb | $374 |
With a population of around 325,000, Stockton is the 11th-largest city in California. But its population density of 5,160 people per square mile puts it on par with cities like San Jose and Sacramento in terms of the number of people on the roads.[2]
Compared with nearby San Francisco, where drivers pay an average of $166 per month for car insurance, Stockton is more affordable. Since San Francisco has a population more than twice that of Stockton and a more exposed coastal location, its higher premiums make sense.
The table below outlines the average costs for California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $156 |
| Bakersfield | $128 |
| Berkeley | $148 |
| Chula Vista | $123 |
| Elk Grove | $139 |
| Fremont | $134 |
| Fresno | $127 |
| Glendale | $261 |
| Long Beach | $165 |
| Los Angeles | $217 |
| Modesto | $139 |
| Moreno Valley | $143 |
| Oakland | $164 |
| Oxnard | $134 |
| Riverside | $145 |
| Sacramento | $152 |
| San Bernardino | $153 |
| San Diego | $126 |
| San Francisco | $166 |
| San Jose | $132 |
| Santa Ana | $148 |
| Santa Barbara | $117 |
| Santa Maria | $111 |
| Stockton | $140 |
| Temecula | $127 |
| Victorville | $155 |
California drivers pay more than the national average for car insurance, and Stockton drivers pay more than the state average.
Car insurance costs in Stockton are likely higher due to the city’s traffic congestion, severe weather risks, and above-average car theft rate. In fact, Stockton drivers reported more than 3,500 vehicles stolen in 2024. Additionally, the state’s recent increase in minimum liability coverage requirements is likely contributing to the city’s rising insurance costs.[3]
*Quotes generated for Insurify users in and around Stockton, California within the last 10 days. Last updated on June 10, 2026. 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 June 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance companies take multiple factors into account when determining your premiums, including your driving record. Stockton drivers with clean driving records generally pay less for car insurance than people with traffic violations.
Here’s a quick look at the cheapest auto insurers for liability insurance by driving record.
Cheapest car insurance for Stockton drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Stockton: USAA
Cheapest car insurance for Stockton drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Stockton: USAA
As an at-fault state, California requires drivers to pay for the car accidents they cause.[4] Beyond those costs, causing an accident often leads to higher car insurance premiums. Other traffic violations, such as a driving under the influence (DUI) conviction or speeding ticket, can also increase car insurance costs. Drivers with a DUI typically face significantly higher costs and will likely need to file an SR-22 with the state DMV.
About 3.5% of Stockton drivers have a ticket, 0.7% have a DUI, and 4.7% have a recorded at-fault accident, according to Insurify data.
The table below highlights the average monthly costs Stockton drivers face with different incidents.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $140 |
| Speeding ticket | $178 |
| At-fault accident | $178 |
| DUI | $191 |
Stockton drivers lose 23 hours per year stuck in traffic congestion, according to the INRIX Traffic Scorecard Report.[5] With Interstate 5, a major interstate running through town, it’s not too surprising that many drivers face heavy traffic on their daily commute, which runs an average of 31.7 minutes.
Additionally, the city has a large percentage of “super commuters,” with more than 9% of the workforce commuting at least 90 minutes each day.
In recent years, the Stockton Police Department has invested in more than 100 AI-powered license plate readers, according to The Stockton Record. Ultimately, the purpose of these surveillance cameras is to help solve crimes, not issue tickets. That said, the state of California allows local law enforcement to issue tickets from red-light cameras.
Beyond the traffic that backs up on I-5, other major roads like State Route 99 and State Route 4 also see frequent congestion. Stockton is a major trucking and logistics hub, so it’s not just commuters clogging up the roads. Big rigs fill the highways as they barrel through this popular shipping corridor.
This increased traffic congestion likely leads to Stockton’s elevated car insurance rates.
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In the Golden State, new drivers can first obtain a provisional learner’s permit at 15 and a half. After a six-month waiting period and the completion of 50 hours of supervised driving with a licensed adult, 16-year-olds can obtain a provisional license.[6]
Most insurers consider teen drivers high-risk and charge higher insurance premiums because of their limited experience behind the wheel. On average, teen drivers in Stockton pay $158 per month for liability insurance and $350 for full coverage.
The table below highlights average liability premiums from the cheapest auto insurers for teen drivers in Stockton.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $114 |
| Aspire General | $120 |
| GEICO | $123 |
| Root | $125 |
| Sun Coast | $125 |
| Mercury | $128 |
| Dairyland | $132 |
| National General | $140 |
| Direct Auto | $167 |
| Bristol West | $168 |
| Allstate | $170 |
| Anchor | $172 |
| Farmers | $176 |
| Kemper Special | $178 |
| State Farm | $182 |
| 21st Century | $195 |
| Kemper Rsvp | $196 |
| Travelers | $208 |
| Nationwide | $259 |
| Chubb | $349 |
With age comes driving experience, which means mature drivers see their car insurance rates fall over time. But at some point, age-related concerns could make driving more perilous for seniors, possibly leading to slightly higher premiums.
Seniors make up 13% of Stockton’s population and pay an average of $79 per month for liability insurance and $175 for full coverage.
The table below shows the cheapest liability car insurance rates for Stockton’s senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| GEICO | $56 |
| National General | $57 |
| Mercury | $57 |
| Aspire General | $60 |
| Sun Coast | $63 |
| Dairyland | $66 |
| Allstate | $72 |
| Farmers | $72 |
| Direct Auto | $72 |
| Anchor | $75 |
| State Farm | $76 |
| Root | $78 |
| Bristol West | $81 |
| Travelers | $82 |
| 21st Century | $88 |
| Kemper Special | $89 |
| Kemper Rsvp | $98 |
| Nationwide | $105 |
| Chubb | $132 |
If you’re looking for more details on how to obtain the best car insurance rates in Stockton, check out the answers below.
Stockton drivers pay an average of $140 per month for car insurance, according to Insurify data. The average cost of coverage is $87 per month for liability insurance and $193 for full coverage.
USAA offers Stockton drivers the cheapest car insurance, with an average of $62 per month for liability-only policies. Aspire General and GEICO follow closely behind, with respective average liability rates of $66 and $68 per month.
California drivers pay monthly averages of $96 for liability-only policies and $199 for full-coverage policies.
Compared to other major cities in California, Stockton drivers have lower accident and DUI rates, which helps lower car insurance costs. At the same time, Stockton drivers face heavy traffic congestion and some severe weather risks, and car insurance rates are slightly higher than in California cities like Temecula and Fresno.
You should always compare quotes from multiple insurers when you’re shopping around for car insurance in Stockton.
The state of California requires drivers to carry a minimum of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.
Beyond the baseline California car insurance requirements, you may choose to purchase a full-coverage policy with comprehensive and collision coverage for greater financial protection and peace of mind. You may also want to consider adding optional coverages, such as uninsured motorist coverage and roadside assistance.
In Stockton, as in other cities, bundling discounts are usually available when you purchase other insurance products, like home insurance, motorcycle insurance, life insurance, or renters insurance, through the same insurance company.
If you’re not sure about your insurer’s discount offerings, contact your insurance agent to answer your questions. You can also typically earn a lower monthly premium by increasing your deductible.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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.