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How much is car insurance in Stockton?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Stockton are about $4 a month cheaper than in the rest of California.
Likewise, car insurance rates in Stockton are often favorable when viewed against the rest of the country. Auto insurance coverage in Stockton is about $29 cheaper than it is for the rest of the United States.
While these are the average costs to insure your vehicle in Stockton, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Stockton and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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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. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Stockton drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Stockton is only about $3 per month.
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 get you a lower rate than one with even just a single accident or infraction. In Stockton, a driving record with a single accident will usually get you a rate around $64 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $64.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$51|
If you look at the first table above, the cheapest vehicles to insure in Stockton are usually trucks and vans, at $46 per month.
SUV drivers will see rates of about $50 for auto insurance coverage, while car owners typically pay around $53 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Stockton are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Stockton, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Stockton. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Stockton, CA
Recent trends in car insurance for Stockton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Rates in Stockton decreased steadily from 2017-2021. They finished up in 2022, at $51 per month
How does Stockton compare to neighboring areas?
Why are car insurance rates in Stockton different from other areas?
There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Community laws
- Road Safety (total number of local car accidents)
- Amount of drivers in the area
- Local crime rates
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
Fortunately, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Stockton.
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Stockton Insurance FAQs
What factors affect car insurance quotes in Stockton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Stockton different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Stockton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Stockton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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