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.
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.
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Stockton residents pay an average of $303 per month for full-coverage car insurance, which is slightly higher than the California full-coverage average of $287 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
Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Stockton.
Stockton drivers pay an average of $3,630 per year for full-coverage insurance.
Your credit score won’t affect your cost of car insurance in California.
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, California.
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
7.5
$111
$60
Teen drivers
Sun Coast
2.3
$220
$75
Drivers with a DUI
Clearcover
6.8
$137
$67
Drivers with a speeding ticket
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.
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 28,000 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.
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.
7.5/10
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.
$61/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.
$113/mo
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.
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.
$76/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.
$223/mo
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
Low down payment options
Flexible billing plans
Cons
Can’t manage policy with a mobile app
No bundling options with life or homeowners insurance
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.
6.8/10
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.
$89/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.
$144/mo
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.
ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!
Miche - July 1, 2024
Verified
Not Valued as a Loyal Customer
The price was good, but they do not value loyal customers.
…
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. 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 $61 per month
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Cheapest liability-only car insurance in Stockton: Mile Auto
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 $128 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$61
Sun Coast
$76
Mercury
$95
Anchor
$101
USAA
$118
National General
$133
GEICO
$156
Direct Auto
$157
Allstate
$162
Farmers
$166
State Farm
$181
Travelers
$190
21st Century
$206
Bristol West
$226
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: Mile Auto
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 $303 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$113
Mercury
$177
Sun Coast
$223
Anchor
$236
USAA
$242
GEICO
$324
National General
$324
Allstate
$335
Farmers
$344
Direct Auto
$371
State Farm
$373
Travelers
$391
Bristol West
$423
21st Century
$426
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.
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
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.
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 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 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
Monthly rates start at $79 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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]
Drivers in Stockton with a speeding ticket pay an average of $172 per month for liability coverage and $407 per month for full coverage.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$61
$81
Sun Coast
$76
$102
Mercury
$95
$128
Anchor
$101
$127
USAA
$118
$148
National General
$133
$167
GEICO
$156
$196
Direct Auto
$157
$198
Allstate
$162
$204
Farmers
$166
$208
State Farm
$181
$226
Travelers
$190
$241
21st Century
$206
$268
Bristol West
$226
$283
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 car insurance for drivers with an at-fault accident: Mile Auto
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]
Stockton drivers with an accident pay a monthly average of $161 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 quotes Insurify identified for cost-effective coverage.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$61
$83
Sun Coast
$76
$96
Mercury
$95
$127
Anchor
$101
$139
USAA
$118
$148
National General
$133
$168
GEICO
$156
$196
Direct Auto
$157
$202
Allstate
$162
$203
Farmers
$166
$207
State Farm
$181
$226
Travelers
$190
$240
21st Century
$206
$265
Bristol West
$226
$280
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 car insurance for drivers with a DUI: Mile Auto
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.
Liability insurance for Stockton drivers with a DUI costs an average of $164 per month. Full-coverage policies jump to $388 per month.
If you have a DUI on your record, here are the cheapest insurers in Stockton.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$61
$80
Sun Coast
$76
$97
Mercury
$95
$125
Anchor
$101
$150
USAA
$118
$175
National General
$133
$197
GEICO
$156
$231
Direct Auto
$157
$233
Allstate
$162
$240
Farmers
$166
$246
State Farm
$181
$268
Travelers
$190
$282
21st Century
$206
$305
Bristol West
$226
$335
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 car insurance for seniors: Mile Auto
Age plays a crucial role in shaping car insurance rates. Prices generally decrease as drivers gain more experience and reach their mid-30s. But around age 70, premiums might undergo a slight increase due to factors like potential health concerns and increased accident risks.[5]
Senior drivers in Stockton pay an overall average of $191 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$48
$89
Sun Coast
$68
$198
Mercury
$75
$140
Anchor
$82
$191
USAA
$98
$201
National General
$108
$263
Direct Auto
$127
$299
GEICO
$130
$269
Allstate
$135
$280
Farmers
$135
$279
State Farm
$147
$302
Travelers
$155
$319
21st Century
$161
$332
Bristol West
$188
$352
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 car insurance for teens: Mile Auto
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.
Teen drivers in Stockton pay monthly averages of $192 for liability coverage and $455 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$110
$203
Sun Coast
$114
$335
Mercury
$159
$296
Anchor
$162
$379
USAA
$179
$368
GEICO
$224
$464
National General
$237
$578
Allstate
$261
$540
Direct Auto
$263
$622
Farmers
$268
$555
State Farm
$281
$579
21st Century
$315
$652
Travelers
$315
$648
Bristol West
$352
$659
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.
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Is car insurance more expensive in Stockton?
Full-coverage car insurance in the U.S. costs $214 per month, on average. Stockton drivers pay more, at $303 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]
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 car insurance expenses, here’s a comparison of average car insurance quotes in some other California cities.
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 $128 per month for liability coverage and $303 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Stockton?
Mile Auto has the cheapest car insurance in Stockton, with monthly liability rates as low as $61. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $76 and $95.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, 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. 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.
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.
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.