Car insurance is an ongoing cost that California drivers need to make room for in their monthly budgets. Your ZIP code, age, vehicle type, and driving history, among many other factors, can have a major influence on how much you spend on car insurance.

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

While the average rate for full-coverage car insurance in California is $262, Stockton residents spend an average of $249. And the average liability-only rate in the city is $119 a month. Here’s how you can save money on auto insurance and find cheap car insurance companies in Stockton.

Quick Facts

Qualifying drivers in Stockton can apply for California’s low-cost auto insurance program to get affordable rates.
The average cost of full-coverage car insurance in Stockton is 5% lower than the state average and 2% lower than the national average.
Your credit score won’t affect your cost of car insurance in California.

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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 best and cheapest car insurance companies in Stockton, California.

Cheapest insurer for teens: Mile Auto

teensMile Auto

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
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
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.	$69/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.	$126/mo

Overview

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 and cons

Pros

Offers savings for drivers with low mileage
Doesn’t require an in-car telematics device

Cons

No mobile app
Unremarkable Trustpilot ratings

Cheapest insurer for drivers with a DUI: Sun Coast

dui Sun Coast

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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).	Not rated
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.	$75/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.	$154/mo

Overview

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 holders, multiple cars, and homeowners, making it an attractive option for people who want affordable and inclusive coverage.

Pros and cons

Pros

Low down payment options
Flexible billing plans

Cons

Can’t manage policy with a mobile app
No bundling options with life or homeowners insurance

Cheapest insurer for drivers with a speeding ticket: Clearcover

speeding ticketClearcover

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
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
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.	$69/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.	$137/mo

Overview

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 and cons

Pros

Advertises an efficient claims process
Mobile app policy management available

Cons

No bundling available
Limited discounts

Reviews

The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.

BAYRON - July 23, 2023

Verified

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

Read our Clearcover review

Cheapest liability-only car insurance in Stockton

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.

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

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Clearcover	69
Mile Auto	69
Mercury	85
Infinity	89
USAA	97
Safeco	107
National General	119
Dairyland	120
GEICO	130
Allstate	135
Farmers	139
State Farm	150
Travelers	157
Bristol West	165

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

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, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	126
Clearcover	137
Mercury	156
Infinity	165
Safeco	178
USAA	198
National General	238
GEICO	263
Allstate	273
Dairyland	276
Farmers	280
State Farm	304
Travelers	318
Bristol West	338

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

Save 39%

Car insurance requirements in California

The state of California requires drivers to purchase a minimum level of car insurance known as 15/30/5. This translates to the following coverages:^[2]

Bodily injury liability
$15,000 per person and $30,000 per accident
Property damage liability
$5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to 30/60/15. 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.^[3]

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
This provides insurance against theft and damages that non-collision events cause, such as fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
This pays for repairs from damages in collisions with other vehicles or objects, regardless of fault.
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.

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 a 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 a 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 since they indicate a higher likelihood of future claims.^[4]

“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

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Cheapest car insurance for drivers with a speeding ticket

Stockton reported 300 speed-related injuries and deaths in 2020, so having a speeding ticket on your driving record will likely result in increased auto insurance premiums compared to having a completely clean record.^[1] To assist you in shopping for the best rates, here’s an overview of the average monthly quotes by insurance company for drivers with a speeding ticket in Stockton.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Clearcover	182
Infinity	226
Mercury	226
Safeco	247
USAA	256
National General	311
GEICO	341
Allstate	353
Farmers	364
Dairyland	367
State Farm	389
Travelers	418
Bristol West	441

Cheapest car insurance for drivers with an at-fault accident

If you have an at-fault accident on your driving record, it’s common for your auto insurance premiums to rise. Insurance companies do this to offset potential financial risks associated with future accidents.^[4] 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 quotes Insurify identified for cost-effective coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Clearcover	210
Infinity	212
Mercury	227
Safeco	255
USAA	258
National General	312
GEICO	344
Allstate	356
Farmers	365
Dairyland	366
State Farm	392
Travelers	419
Bristol West	436

Cheapest car insurance for drivers with a DUI

Driving under the influence is undoubtedly a severe offense and results in considerably higher car insurance premiums.^[4] 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.

If you have a DUI on your record, here are the cheapest insurers in Stockton.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	191
Clearcover	207
Mercury	228
Infinity	250
Safeco	270
USAA	300
National General	360
GEICO	398
Allstate	413
Dairyland	418
Farmers	424
State Farm	460
Travelers	481
Bristol West	512

Cheapest car insurance for seniors

Age plays a crucial role in shaping car insurance rates. Generally, prices tend to decrease as drivers gain more experience and reach their mid-30s. However, around the age of 75, premiums might undergo a slight increase due to factors like potential health concerns and increased accident risks.^[5]

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, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	73
Infinity	81
Mercury	93
USAA	113
Clearcover	115
Safeco	121
GEICO	144
Farmers	150
State Farm	153
Allstate	154
National General	157
Dairyland	171
Travelers	179
Bristol West	200

Cheapest car insurance for teens

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.

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, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	73
Infinity	81
Mercury	93
USAA	113
Clearcover	115
Safeco	121
GEICO	144
Farmers	150
State Farm	153
Allstate	154
National General	157
Dairyland	171
Travelers	179
Bristol West	200

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 deductible, it can reduce your premium. However, 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.

Shop for Car Insurance in Stockton, CA

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Is car insurance more expensive in Stockton?

Full-coverage car insurance in the U.S. costs $253 per month, on average. Stockton drivers pay only slightly less, at $249 per month for the same coverage. But insurance rates can differ significantly by ZIP code, and factors such as weather, crime, and traffic affect rates.^[6]

When it comes to California car insurance, San Diego drivers generally pay less than Stockton drivers, while San Francisco drivers tend to pay more.

More cities in California

While car insurance rates in Stockton tend to be higher than in many other California cities, there are exceptions. For instance, cities like Los Angeles, which experienced significantly more traffic injuries and fatalities in 2020 than Stockton, typically have higher average car insurance costs.^[1]

To understand the variations in average car insurance expenses, here’s a comparison of Stockton’s average full-coverage quotes in other major California cities.

City	Average Monthly Quote	Compared to Stockton
Anaheim	$258	3%
Bakersfield	$244	-2%
Fresno	$234	-6%
Irvine	$234	-6%
Long Beach	$264	6%
Los Angeles	$349	40%
Modesto	$223	-11%
Oakland	$273	9%
Riverside	$257	3%
Sacramento	$264	6%
San Diego	$223	-10%
San Francisco	$317	27%
San Jose	$258	4%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $119 a month for liability coverage and $249 a month for full coverage.
Can credit history affect your car insurance rates in California?
No. Your credit history can’t affect your car insurance rates in California. 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 15/30/5 minimum liability limits. This translates to $15,000 per person and $30,000 per accident for bodily injury liability and $5,000 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 50+ 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.

More cities in California

Popular cities

Sources

California Office of Traffic Safety. "OTS Crash Rankings Results." Accessed July 3, 2023
California DMV. "Auto Insurance Requirements." Accessed July 3, 2023
California Legislative Information. "SB-1107 Vehicles: insurance.." Accessed July 3, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed July 3, 2023
III. "Senior driving safety and insurance tips." Accessed July 3, 2023
III. "What determines the price of an auto insurance policy?." Accessed July 3, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance." Accessed July 3, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

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Table of contents

Table of contentsCompare quotes

Shop for Car Insurance in Stockton, CA

Cheapest car insurance companies in Stockton

Cheapest insurer for teens: Mile Auto

teensMile Auto

Cheapest insurer for drivers with a DUI: Sun Coast

dui Sun Coast

Cheapest insurer for drivers with a speeding ticket: Clearcover

speeding ticketClearcover

Cheapest liability-only car insurance in Stockton

Cheapest full-coverage car insurance in Stockton

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Bodily injury liability

Property damage liability

Comprehensive coverage

Collision coverage

Glass coverage

Gap coverage

California’s low-cost auto insurance plan

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Stockton, CA

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Stockton

Shop for Car Insurance in Stockton, CA

Is car insurance more expensive in Stockton?

More cities in California

Stockton car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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