Stockton, California’s 13th-largest city, is home to the oldest university in the state and the Sunrise Seaport. It also has some of the most busy roads. Stockton was the site of 237 serious traffic accidents that resulted in injury or death in 2018. Stockton has a dense population and more road accidents than ever before. Car insurance costs in Stockton are higher: $728 for minimum coverage, $2,114 for complete coverage, and $2,114 to cover the full amount.
California is like most American states. Insurance is required everywhere. Cheap coverage is what many drivers seek. Stockton has more than 20 insurance companies. We have put together a list that includes the top coverage options, the best customer service, and the most affordable pricing.
Stockton’s best car insurance company
Car insurance is not just about the price. When choosing an insurance provider, you should also consider the ease of filing a claim and receiving timely support. The 2020 J.D. The following four companies are rated as the best in California by the 2020 J.D.
| Insurance company | J.D. J.D. (California region) | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Wawanesa | 853 / 1000 | $611 | $1,519 |
| State Farm | 836 / 1000 | $754 | $2,135 |
| Geico | 828 / 1000 | $526 | $1,661 |
| Progressive | 823 / 1000 | $661 | $1,803 |
Wawanesa
Wawanesa, one of the most established insurance companies in the country was founded in 1896. Since then, it has offered auto insurance. Wawanesa provides affordable coverage for budget-conscious drivers. Wawanesa is a California-based company that does not do business in Oregon or California. However, it was ranked first in the 2020 J.D. Power Auto Insurance Study was chosen for its exceptional service and customer satisfaction.
Wawanesa provides additional benefits such as rental reimbursement, roadside assistance and manufacturer replacement parts. Wawanesa is a direct seller of policies and customers can purchase insurance online in just minutes.
State Farm
State Farm is a popular choice for car insurance if you are a household name. State Farm is the biggest insurance provider in America. You can choose from standard or comprehensive options. Add-ons like rental reimbursement, roadside assistance, and travel expenses coverage will keep you covered under all circumstances. State Farm offers a wide range of discounts, including the Drive Safe & Save Program. The website and mobile app are convenient for busy people. State Farm is one of the top five insurance companies and has an A (Excellent), AM Best rating.
Geico
Geico offers some of the best car insurance in Stockton. It is also highly tech-driven, making it possible to purchase and manage policies online without having to speak to someone. Geico offers many benefits, including the ease of using online resources and multiple insurance lines that result in bundle discounts. The coverage options may be basic but the customer satisfaction is exceptional.
Progressive
Progressive is the third-largest auto insurance company. It offers affordable policies that can help customers save up $750 per year. Progressive offers a variety of coverages as well as a range of discounts. Progressive also has some unique features like the Name Your Price tool that gives you an estimate of what type of coverage is possible within your budget. Snapshot Safe Driver can monitor your driving habits and possibly earn you discounts. The Flo Chatbot provides quick and easy online support.
Progressive offers many types of insurance products. It is possible to save money if you bundle two or more policies.
Stockton has the lowest car insurance
California is the most expensive state for car insurance. The national average price for full coverage is $1.674 per year, but it costs $2.065 in California for the exact coverage. Stockton, on the other hand, pays $2,114 annually to insure their car with full coverage. This is a few hundred more than the state average. Stockton motorists may opt for minimum coverage to ensure they are legally able to drive. This is because car insurance is required in order to be able and permitted to drive. The American Automobile Association (AAA), offers the lowest cost coverage in this area. Basic liability insurance is available for $519 per annum. To be eligible for insurance, you must be a AAA member.
| Insurance Company | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|
| AAA | $519 | $2,205 |
| Geico | $526 | $1,661 |
| Mercury | $638 | $1,731 |
| Travelers | $658 | $1,848 |
| Progressive | $661 | $1,803 |
Both Mercury and Geico offer full and minimal coverages. Geico is the more popular choice. It costs $526 per annum for liability coverage. This makes it the best option for those who only need the basics from a financially sound, well-respected insurer. Mercury offers minimum coverage starting at $638 per annum and more coverage starting at $1,731 each year. The company is subject to more customer complaints than the National Association of Insurance Commissioners (NAIC), and it has lower third-party scores than many other companies. People looking for additional perks might also be able to find better options elsewhere.
Progressive and Travelers offer more coverage options. Both companies are well-respected in the industry, and offer something for every type of motorist. Our only list of companies that offer discounts to hybrid car owners is Travelers. Compare quotes from several insurers to find the best value, not just the lowest price.
Stockton insurance requirements
California’s minimum coverage requirement is 15/30/5. This also applies to Stockton. This means that motorists must have:
- $15,000 bodily injuries coverage per person
- $30,000 bodily injuries coverage per accident
- $5,000 coverage for property damage
While the minimum coverage pays for damage to other vehicles, it does not cover your vehicle. You might need to buy full coverage if your vehicle is new, if it has an auto loan, or if there are high fatalities, inclement weather or high traffic.
Stockton car insurance discount
It is possible to save money regardless of the premiums. There are a variety of discounts offered by insurance providers. The most popular include:
- Safety Discount: Some insurers will offer a discount if your vehicle has safety features like anti-lock brakes, anti-theft alarms, and airbags.
- Insurance companies often offer discounts for bundling multiple policies together into one annual premium.
- Discount for new vehicles: You might be eligible to receive a discount on your premium if your vehicle is a new model.
- Paid in full: A percentage of your premium could be saved if you pay your annual premium in full before the policy starts.
- A good driver discount: If you have a clean driving record, or have taken a pre-approved safe driving class, you may be eligible for a discount.
Driving safely is a great way to save money. However, there are many discounts available after you compare auto insurance quotes and purchase your coverage.
Questions frequently asked
Which is the best auto insurance company?
Insurance is a highly personal business. It is hard to say one company is better than another. The best car insurers are those that have been around for a long time and offered consistent excellent service over the years.
What is the cost of car insurance in Stockton?
Stockton insurance is expensive because California is a costly state. Basic coverage costs an average $728 per year. Full coverage costs $2,114 per annual. Rates will vary depending on many factors, including your driving record and age.
What amount of car insurance do you need in Stockton
California law requires that you have 15/30/5 coverage. This covers $15,000 per person for bodily injuries, $30,000 per accident for bodily injury, and $5,000 per property damage. Although this coverage is sufficient to cover your vehicle in the event of an accident, many insurance professionals recommend that you purchase more.
