Best Cheap Auto Insurance in Stockton, CA (2021)

The average Stockton, CA auto insurance rates are $323 per month. The minimum auto insurance in Stockton is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Stockton, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Stockton is 31.1 minutes
  • The most expensive auto insurance company in Stockton for teen drivers is Farmers
  • Average auto insurance rates in Stockton, CA for senior drivers are $2,320 per year

Stockton, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Stockton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Stockton, California, including driving record, credit, commute time, and more.

Compare auto insurance in Stockton to other California cities, including Los Angeles auto insurance rates, Oakland auto insurance rates, and San Jose auto insurance rates to see how Stockton, California auto insurance rates stack up.

Before you buy Stockton, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Stockton, California auto insurance quotes.

Minimum Auto Insurance in Stockton, California

Stockton, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Stockton, California.

Minimum Required Auto Insurance Coverage in Stockton, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Stockton, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Stockton, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Stockton, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,982 $2,993 $2,161 $2,189 $8,149 $10,264 $3,827 $4,229
Farmers $2,916 $2,916 $2,621 $2,621 $9,287 $15,257 $3,453 $3,842
GEICO $1,880 $1,882 $1,770 $1,770 $5,686 $5,790 $2,696 $2,763
Liberty Mutual $2,363 $2,238 $2,189 $2,123 $5,117 $5,450 $2,665 $2,690
Nationwide $3,431 $3,278 $3,002 $2,832 $8,671 $9,593 $4,095 $4,047
Progressive $1,797 $1,850 $1,530 $1,816 $4,803 $5,791 $2,597 $2,793
State Farm $3,738 $3,738 $3,338 $3,338 $6,854 $8,507 $4,136 $4,263
Travelers $2,578 $2,498 $2,272 $2,248 $5,313 $6,093 $3,356 $3,288
USAA $2,018 $1,911 $1,969 $1,976 $4,618 $4,642 $2,794 $2,640

Cheap Stockton, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Stockton, California is a challenge. Take a look at the annual teen auto insurance rates in Stockton, California.

Annual Auto Insurance Rates for Teen Drivers in Stockton, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,149 $10,264
Farmers $9,287 $15,257
GEICO $5,686 $5,790
Liberty Mutual $5,117 $5,450
Nationwide $8,671 $9,593
Progressive $4,803 $5,791
State Farm $6,854 $8,507
Travelers $5,313 $6,093
USAA $4,618 $4,642

Cheap Stockton, California Auto Insurance for Seniors

What are senior auto insurance rates in Stockton, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Stockton, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,161 $2,189
Farmers $2,621 $2,621
GEICO $1,770 $1,770
Liberty Mutual $2,189 $2,123
Nationwide $3,002 $2,832
Progressive $1,530 $1,816
State Farm $3,338 $3,338
Travelers $2,272 $2,248
USAA $1,969 $1,976

Cheap Stockton, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Stockton, California compared to the annual auto insurance rates with a clean record in Stockton, California.

Annual Stockton, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,766 $4,661 $7,337 $3,633
Farmers $3,963 $5,399 $6,732 $5,363
GEICO $2,121 $3,260 $4,106 $2,632
Liberty Mutual $2,694 $3,611 $3,259 $2,855
Nationwide $3,393 $4,354 $7,372 $4,354
Progressive $1,878 $3,194 $3,710 $2,705
State Farm $3,379 $4,032 $7,622 $3,923
Travelers $2,304 $3,755 $4,373 $3,391
USAA $1,873 $2,790 $4,569 $2,052

Cheap Stockton, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Stockton, California is not easy. Compare the annual rates for DUI auto insurance in Stockton, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Stockton, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,337
Farmers $6,732
GEICO $4,106
Liberty Mutual $3,259
Nationwide $7,372
Progressive $3,710
State Farm $7,622
Travelers $4,373
USAA $4,569

Cheap Stockton, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Stockton, California can vary. Compare the annual cost of auto insurance by ZIP code in Stockton, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Stockton, California

ZIP Code Average Annual Rates
95202 $5,774
95203 $5,232
95204 $5,162
95205 $5,353
95206 $5,513
95207 $5,237
95209 $5,170
95210 $5,363
95211 $5,191
95212 $5,254
95215 $5,144
95219 $5,013

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Cheap Stockton, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Stockton, California auto insurance. Find the cheapest annual Stockton, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Stockton, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,141 $5,058
Farmers $4,867 $5,861
GEICO $2,752 $3,307
Liberty Mutual $2,849 $3,360
Nationwide $4,303 $5,434
Progressive $2,607 $3,137
State Farm $4,566 $4,912
Travelers $3,107 $3,805
USAA $2,599 $3,043

Cheap Stockton, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Stockton, California? Check out the comparison of annual Stockton, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Stockton, California

Insurance Company Low Medium High
Allstate $4,340 $4,641 $4,817
Farmers $5,010 $5,403 $5,680
GEICO $2,741 $3,064 $3,285
Liberty Mutual $2,894 $3,131 $3,288
Nationwide $4,360 $4,957 $5,289
Progressive $2,571 $2,958 $3,087
State Farm $4,285 $4,817 $5,115
Travelers $3,029 $3,545 $3,794
USAA $2,556 $2,876 $3,031

Best By Category: Cheapest Auto Insurance in Stockton, California

Compare the cheapest auto insurance companies in Stockton, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Stockton, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest Stockton, California Auto Insurance Companies

What auto insurance companies in Stockton, California are the cheapest? Compare the top Stockton, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Stockton, California

Insurance Company Average Annual Rates
Allstate $4,599
Farmers $5,364
GEICO $3,030
Liberty Mutual $3,104
Nationwide $4,869
Progressive $2,872
State Farm $4,739
Travelers $3,456
USAA $2,821

What affects auto insurance rates in Stockton, California?

There are a lot of reasons why auto insurance rates in Stockton, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Stockton, California. Many local factors may affect your Stockton auto insurance rates.

Stockton Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Stockton, California auto theft statistics, there have been 2,054 auto thefts in the city.

Stockton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stockton, California commute length is 31.1 minutes according to City-Data.

Stockton Traffic

How does Stockton, California rank for traffic? According to Inrix Stockton, California is the 627th most congested worldwide.

Compare Stockton, California Auto Insurance Quotes

Before you buy Stockton, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Stockton, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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