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Stockton Car Insurance

How much does car insurance cost in Stockton, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Stockton?

Stockton is the gateway to California’s San Joaquin Valley region. The lovely seaport town is a rich agricultural region known for its dairies, vineyards and farmers’ markets. The area also has a thriving arts and culture scene.

There are so many activities to do in this vibrant town. Residents can catch unforgettable performances from live musicians. They may tour engaging exhibits by prominent artists in downtown galleries. The city even hosts an annual film festival featuring documentaries from independent filmmakers.

If you’re a Stockton resident, you can explore the town using the San Joaquin Regional Transit District (RTD). However, it’s always great to have a car to travel to nearby cities and visit all the marvelous things Stockton has.

If you’re a Stockton resident who’s in the market for a new car, you’ll need insurance to protect your ride. Compare rates for free with SmartFinancial.

In this article, you’ll learn about Stockton, California’s minimum auto insurance requirements.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Stockton typically pay around $120.44 per month compared to the national average of $134.02 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.02
California $131.55
Stockton, California $120.44

Stockton, CA Best Car Insurance Companies

car insurance in Stockton

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Stockton coming in around $71.11 per month. Other companies to consider if you live in Stockton is Pronto Insurance with an average cost of $71.95 per month and Infinity Special which typically runs around $102.15 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Stockton.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $71.11-45.94%
2 Pronto Insurance $71.95-45.31%
3 Infinity Special $102.15-22.35%
4 Kemper Auto Premier $104.12-20.85%
5 Dairyland Auto $117.77-10.48%
6 Esurance $123.19-6.36%
7 Unitrin $129.03-1.92%
8 USAA $133.531.50%
9 Allstate $147.3111.98%
10 SAFECO $149.8213.89%

How Much is Car Insurance in Stockton, CA?

how much is auto insurance in Stockton

Rates can vary from city to city. The residents of Fresno typically pay $114.81 per month while people who live in Los Angeles will pay $174.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $114.81
Los Angeles $174.06
Sacramento $129.50
San Diego $109.76
San Francisco $155.58
Stockton $120.20

Cheap Car Insurance in Stockton by Zip Codes

find cheap auto insurance in Stockton

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Stockton, CA ZIP CodeAverage Monthly Rate
95201$82.04
95202$108.77
95203$121.05
95204$114.21
95205$111.96
95206$127.57
95207$116.23
95209$131.61
95210$123.68
95212$115.62
95215$99.92
95219$139.81
95269$65.35

Car Insurance Rates by Driver's Age Group in Stockton

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $250.90 per month in Stockton. Compare that to drivers in their 30’s who typically pay around $101.15 per month drivers in their 40s at $93.83 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$250.90
20s$151.88
30s$101.15
40s$93.83
50s$89.83
60s$84.86
70+$104.07

Cheapest Insurance for Teenage Drivers in Stockton

If you are teen in Stockton you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $163.57 per month. This is likely the most affordable option in Stockton. You might also want to consider California Capital and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$163.57
California Capital$228.19
USAA$233.34
State Farm$259.72
Mercury$263.00

Cheapest Insurance for 20 Year-olds in Stockton

20 year-olds in Stockton might want to consider Pronto Insurance who, on average, offers car insurance rates around $71.95 per month. Direct Auto , Unitrin , Esurance and USAA are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Pronto Insurance$71.95
Direct Auto$79.21
Unitrin$141.63
Esurance$148.11
USAA$152.65

Cheapest Insurance for 30 Year-olds in Stockton

If you are in your 30s in Stockton our research has found that Direct Auto typically has the most affordable coverage coming in around $64.46 per month, followed by Esurance at $106.98 and USAA at $120.54.

CompanyAverage Monthly Rate
Direct Auto$64.46
Esurance$106.98
USAA$120.54
Unitrin$126.11
Mercury$132.47

Cheapest Insurance for 40 Year-olds in Stockton

On average, Direct Auto offers car insurance for 40 year-olds in Stockton for around $62.36 per month. If you are looking for affordable coverage, you may also want to consider Esurance or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$62.36
Esurance$107.58
USAA$120.61
Mercury$128.72
Unitrin$129.39

Cheapest Insurance for 50 Year-olds in Stockton

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Stockton we found that Infinity Special generally offers the most affordable coverage at $62.91 per month.

CompanyAverage Monthly Rate
Infinity Special$62.91
Direct Auto$63.33
Dairyland Auto$68.20
Kemper Auto Premier$73.71
Esurance$99.12

Cheapest Insurance for 60 Year-olds in Stockton

If you live in Stockton and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $93.66 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$93.66
Esurance$101.51
Allstate$104.04
21st Century$106.75
SAFECO$106.95

Driver's Coverage Auto Insurance Rates in Stockton, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Stockton, the average monthly rate for a driver who is currently insured is $123.91 while drivers who are not currently covered will pay around $116.65.

CoverageAverage Monthly Rate
Not Currently Insured $116.65
Currently Insured $123.91

Compare Recent Car Insurance Quotes in Stockton

auto insurance quotes in Stockton city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Stockton a driver of a 2004 Chevrolet Blazer can expect to pay around $34.36 per month while someone that owns a 2004 Chevrolet Blazer may pay around $31.56 per month. Check out the list of recent quotes in Stockton below.

VehicleAverage Monthly Rate
2004 Chevrolet Blazer$34.36
2004 Chevrolet Blazer$31.56
2004 Chevrolet Blazer$20.15
2004 Chevrolet Blazer$37.54
2005 Pontiac Aztek$28.91
2005 Pontiac Aztek$34.19
2005 Pontiac Aztek$31.92
2005 Pontiac Aztek$27.86
2014 Ford Explorer$25.46
2004 Dodge Dakota$109.72

FAQ's for Drivers in Stockton, CA

driver’s frequently asked question in Stockton

Stockton Auto Insurance Requirements

Under California law, drivers must provide proof of financial responsibility for their vehicles. They must carry their insurance cars on them at all times whenever a police officer asks for it. Individuals must also provide proof when they register their vehicles.

The state accepts the following insurance:

  • A motor vehicle liability insurance policy

  • A $35,000 cash deposit with the DMV

  • DMV-issued self-insurance certificates, and

  • Surety bonds for $35,000 from state-licensed businesses

What Is the Minimum Amount of Liability Coverage Requirement in Stockton?

California Insurance Code §11580.1b requires individuals to carry the minimum liability coverage for passenger vehicles in the state. It includes:

  • $15,000 bodily injury liability coverage per person/death

  • $30,000 bodily injury liability coverage total per accident

  • $5,000 minimum property damage liability coverage

  • $15,000 per person/$30,000 per accident uninsured/underinsured motorist bodily liability coverage

  • $3,500 uninsured/underinsured motorist property damage coverages

Unfortunately, California’s minimum requirements may not provide enough coverage if you’re found liable for an accident. Consider buying additional protection that offers substantial insurance if the worst happens. You can use SmartFinancial’s app to find better insurance at more affordable rates.

What Is the Blood Alcohol Concentration (BAC) Limit in Stockton?

In California, it’s illegal for a person to operate an automobile while under the influence of alcohol or drugs. The state has labeled this offense as Driving Under the Influence. In Stockton, it’s illegal for people to drive vehicles with the following Blood Alcohol Concentration levels:

  • .08 percent BAC or higher (drivers 21 years and older

  • .01 percent BAC or higher (drivers under 21 years old)

  • .01 percent BAC or higher (drivers with previous DUI convictions)

We understand no driver is perfect. Unfortunately, insurers can raise premiums on drivers who have DUIs. If you need more affordable premiums, let SmartFinancial help you find lower insurance premiums. Just enter your zip code, and we’ll provide you with quotes from insurance agents that meet your needs.

Can I Register My Car Without Insurance in Stockton?

No, you can’t register your car without insurance anywhere in California. Stockton residents should provide proof of liability insurance when they register their vehicles. Insurers must be approved by the state’s Department of Financial Services and DMV. Insurance should be under the same name as the vehicle’s registrant.

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

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Commute Time in Stockton, CA

29 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Stockton, CA

214

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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