How much does car insurance cost in Stockton, CA? Check out the average rates that drivers pay below.
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.
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.
Area | Average Monthly Rate |
---|---|
National | $145.23 |
California | $148.70 |
Stockton, California | $140.13 |
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.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Pronto Insurance | $68.00 | -54.27% |
2 | Direct Auto | $76.97 | -48.24% |
3 | Kemper Personal Insurance | $118.07 | -20.60% |
4 | Kemper Auto Premier | $121.61 | -18.22% |
5 | Esurance | $124.26 | -16.43% |
6 | USAA | $137.58 | -7.47% |
7 | Clearcover | $141.55 | -4.80% |
8 | SAFECO | $145.11 | -2.41% |
9 | Mercury Insurance Company | $147.28 | -0.95% |
10 | Grange | $152.29 | 2.42% |
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.
California Cities | Monthly Average Rate |
---|---|
Anaheim | $150.19 |
Bakersfield | $135.96 |
Fresno | $134.27 |
Long Beach | $155.58 |
Los Angeles | $188.96 |
Oakland | $164.08 |
Pasadena | $164.47 |
Riverside | $146.71 |
Sacramento | $145.82 |
San Bernardino | $146.67 |
San Diego | $129.68 |
San Francisco | $164.97 |
San Jose | $139.91 |
Santa Barbara | $127.65 |
Stockton | $140.09 |
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 Code | Average Monthly Rate |
---|---|
95201 | $82.04 |
95202 | $128.11 |
95203 | $130.35 |
95204 | $128.56 |
95205 | $138.69 |
95206 | $149.89 |
95207 | $136.32 |
95208 | $107.73 |
95209 | $149.18 |
95210 | $148.97 |
95211 | $232.48 |
95212 | $138.85 |
95215 | $124.61 |
95219 | $143.23 |
95231 | $197.79 |
95269 | $65.35 |
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.
Age Group | Average Monthly Rate |
---|---|
16-19 | $283.60 |
20s | $188.84 |
30s | $129.46 |
40s | $123.37 |
50s | $113.42 |
60s | $112.34 |
70+ | $125.33 |
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.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $90.88 |
National General | $146.65 |
Mercury Insurance Company | $186.28 |
USAA | $242.43 |
California Capital | $272.99 |
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.
Company | Average Monthly Rate |
---|---|
Direct Auto | $71.87 |
Pronto Insurance | $71.95 |
Kemper Auto Premier | $106.28 |
Kemper Personal Insurance | $140.00 |
SAFECO | $152.80 |
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.
Company | Average Monthly Rate |
---|---|
Kemper Personal Insurance | $96.00 |
Direct Auto | $101.67 |
Mercury Insurance Company | $113.31 |
Esurance | $119.69 |
USAA | $132.53 |
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.
Company | Average Monthly Rate |
---|---|
Direct Auto | $80.10 |
Esurance | $110.29 |
Mercury Insurance Company | $124.08 |
USAA | $127.63 |
Clearcover | $130.00 |
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.
Company | Average Monthly Rate |
---|---|
Direct Auto | $63.33 |
Pronto Insurance | $64.04 |
Kemper Auto Premier | $95.55 |
Esurance | $101.59 |
Mercury Insurance Company | $106.78 |
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.
Company | Average Monthly Rate |
---|---|
Direct Auto | $93.66 |
Kemper Auto Premier | $96.85 |
Mercury Insurance Company | $97.70 |
Esurance | $98.34 |
SAFECO | $106.95 |
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.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $140.45 |
Currently Insured | $139.73 |
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.
Vehicle | Average Monthly Rate |
---|---|
2019 Honda Passport | $198.37 |
2019 Nissan Sentra | $102.86 |
2006 Bmw 530 | $120.07 |
2009 Ford Flex | $104.87 |
2019 Ford Flex | $170.43 |
2020 Honda Civic | $76.25 |
2001 Honda Accord | $62.55 |
2023 Toyota Tacoma | $117.17 |
2012 Lexus LS | $155.44 |
2015 Toyota Corolla | $40.61 |
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:
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.
Check Out Other Rates in Stockton, CA Nearby Cities:
Commute Time in Stockton, CA
29 MilesCommute Time in United States
26.4 MilesNumber 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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