Stockton Car Insurance

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 $140.13 per month compared to the national average of $145.23 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.

Stockton, CA Best Car Insurance Companies

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, Pronto Insurance generally has the most affordable car insurance in Stockton coming in around $68.00 per month. Other companies to consider if you live in Stockton is Direct Auto with an average cost of $76.97 per month and Kemper Personal Insurance which typically runs around $118.07 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Stockton.

How Much is Car Insurance in Stockton, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $150.19 per month while people who live in Bakersfield will pay $135.96 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in Stockton by Zip Codes

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.

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 $283.60 per month in Stockton. Compare that to drivers in their 30’s who typically pay around $129.46 per month drivers in their 40s at $123.37 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.

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, Kemper Auto Premier typically charges around $90.88 per month. This is likely the most affordable option in Stockton. You might also want to consider National General and Mercury Insurance Company who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Stockton

20 year-olds in Stockton might want to consider Direct Auto who, on average, offers car insurance rates around $71.87 per month. Pronto Insurance , Kemper Auto Premier , Kemper Personal Insurance and SAFECO are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Stockton

If you are in your 30s in Stockton our research has found that Kemper Personal Insurance typically has the most affordable coverage coming in around $96.00 per month, followed by Direct Auto at $101.67 and Mercury Insurance Company at $113.31.

Cheapest Insurance for 40 Year-olds in Stockton

On average, Direct Auto offers car insurance for 40 year-olds in Stockton for around $80.10 per month. If you are looking for affordable coverage, you may also want to consider Esurance or Mercury Insurance Company. The full list of top companies is below.

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 Direct Auto generally offers the most affordable coverage at $63.33 per month.

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.

Driver's Coverage Auto Insurance Rates in Stockton, CA

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 $139.73 while drivers who are not currently covered will pay around $140.45.

Compare Recent Car Insurance Quotes in Stockton

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 2019 Honda Passport can expect to pay around $198.37 per month while someone that owns a 2019 Nissan Sentra may pay around $102.86 per month. Check out the list of recent quotes in Stockton below.

FAQ's for Drivers in Stockton, CA

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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