Table of contents
How much is car insurance in Stockton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Stockton than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Stockton has lower rates. You can expect to pay about $28 below the national average for auto insurance in Stockton.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Stockton and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Stockton.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Stockton, although women do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Stockton with a single accident on their record will usually see rates around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $71.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$51|
According to the first table above, the cheapest vehicles to insure in Stockton are typically trucks and vans, at $46 per month.
SUV drivers will see rates of about $50 for auto insurance coverage, while car owners by and large pay around $54 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Stockton, vehicles less than or equal to one-year-old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Stockton can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor taken into consideration is your housing status. Those who own their own home in Stockton can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Stockton, CA
Recent trends in car insurance for Stockton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending before picking an insurance policy.
In Stockton, car insurance rates went up from 2016-2017, when they hit a high of $59. This pattern changed in 2018, when they began to decrease, and have continued on that path through 2021, when policy premiums reached a low of $46 a month.
How does Stockton compare to neighboring areas?
Why are car insurance rates in Stockton different from other areas?
Car insurance companies look at several factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Number of drivers in the region
- Area regulations
- General road safety (how many accidents each locality has)
- Crime rates
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Stockton?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Stockton.
Stockton Insurance FAQs
What factors affect car insurance quotes in Stockton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Stockton different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Stockton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Stockton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Stockton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.