Cheapest Car Insurance In Stockton, CA 2025
In Stockton, USAA provides the lowest-priced minimum coverage car insurance at about $103 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for the cheapest car insurance in Stockton, CA, you’ll find that prices can be quite different from one provider to another.
Those searching for the cheapest liability-only insurance will find USAA to be the best option. Mercury, however, offers the most competitive rates for full coverage, and young drivers get the best deals with Direct Auto.
Cheapest Car Insurance Companies In Stockton, California 2025
Cheapest Full Coverage Insurance Rates In Stockton: Mercury
If you’re looking for the cheapest full coverage car insurance in Stockton, Mercury is the best option at about $195 a month.
The following table highlights average insurance quotes from cost-effective insurers in Stockton.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $195 | $2,340 |
| USAA | $230 | $2,760 |
| GEICO | $307 | $3,684 |
| Allstate | $315 | $3,780 |
| State Farm | $352 | $4,224 |
Cheapest Liability-only Car Insurance In Stockton: USAA
If you’re looking for the lowest-cost minimum coverage car insurance in Stockton, USAA is the top option at around $103 a month.
Check out the table below for a side-by-side comparison of rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $103 | $1,236 |
| Mercury | $111 | $1,332 |
| GEICO | $136 | $1,632 |
| Direct Auto | $115 | $1,380 |
| State Farm | $155 | $1,860 |
Cheapest Car Insurance Rates For Seniors: 21st Century
With an average monthly premium of $104, 21st Century provides the lowest car insurance rates for seniors in Stockton.
The following table highlights average quotes from budget-friendly car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| 21st Century | $104 | $1,248 |
| Ensurance | $108 | $1,296 |
| Mercury | $109 | $1,308 |
| USAA | $122 | $1,464 |
| Grange | $125 | $1,500 |
Cheapest Rates In Stockton For Teenagers: USAA
Teen drivers in Stockton will find the cheapest car insurance from USAA, where monthly premiums average $319.
The following table highlights the companies with the cheapest car insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $319 | $3,828 |
| Mercury | $365 | $4,380 |
| GEICO | $536 | $6,432 |
| Farmers | $612 | $7,344 |
| Anchor | $416 | $4,992 |
Cheapest Auto Insurance For Young Adults in Stockton: Direct Auto
Young drivers in Stockton will find the cheapest car insurance rates with Direct Auto, at about $74 per month.
Check out the table below to compare low-cost auto insurance options for young adults in Stockton.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $74 | $888 |
| Safeco | $135 | $1,620 |
| Kemper | $142 | $1,704 |
| Mercury | $150 | $1,800 |
Cheapest Car Insurance In Stockton For Good Drivers: USAA
Good drivers in Stockton will find the cheapest auto insurance with USAA, at an average of $103 per month.
If you have a good driving record, use the table below to compare average rates from low-cost insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $103 | $1,236 |
| Mercury | $111 | $1,332 |
| GEICO | $136 | $1,632 |
| Direct Auto | $115 | $1,380 |
| State Farm | $155 | $1,860 |
Find affordable Stockton rates
Cheapest Car Insurance In Stockton After A Speeding Ticket: USAA
Drivers in Stockton with a speeding ticket can find budget-friendly insurance from USAA, which costs about $129 per month on average.
The following table provides a breakdown of average rates for drivers with a history of speeding violations.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $129 | $1,548 |
| Anchor | $137 | $1,644 |
| Direct Auto | $141 | $1,692 |
| GEICO | $168 | $2,016 |
| State Farm | $192 | $2,304 |
Cheapest For Drivers With After At-Fault Accident: USAA
Drivers with an at-fault incident can find the cheapest insurance with USAA, which charges an average of $132 per month.
These car insurance providers offer the cheapest rates for drivers with an at-fault accident on their history.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $132 | $1,584 |
| Mercury | $153 | $1,836 |
| Direct Auto | $146 | $1,752 |
| GEICO | $172 | $2,064 |
| State Farm | $195 | $2,340 |
Cheapest Rates In Stockton For Drivers After A DUI: State Farm
Drivers with a DUI can find the cheapest insurance with USAA, which offers an average monthly rate of $158 in Stockton.
Stockton drivers with a DUI can compare the cheapest insurance options in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $158 | $1,896 |
| Mercury | $166 | $1,992 |
| National General | $186 | $2,232 |
| Allstate | $215 | $2,580 |
| State Farm | $240 | $2,880 |
Best Car Insurance Companies In Stockton
If you’re in Stockton, USAA has the lowest insurance rates at $103 per month, with Mercury and Direct Auto close behind at $111 and $115.
Here are the top 10 auto insurance companies in Stockton, CA, organized by the average monthly rate they charge.
| Company | Monthly Premium |
| USAA | $103 |
| Mercury | $111 |
| GEICO | $136 |
| Direct Auto | $115 |
| State Farm | $155 |
| National General | $120 |
| Allstate | $140 |
| Travelers | $164 |
| Nationwide | $220 |
| Farmers | $144 |
Average Rates In Stockton – By Vehicle
Insurance rates depend heavily on the type of vehicle you own. Factors like the make, model, and year matter, and luxury cars with high-tech features generally have higher premiums due to costly repairs.
The following table provides average insurance rates for different cars in Stockton.
| Vehicle | Average Monthly Rate |
| Honda CRV | $360 |
| Nissan Rogue | $362 |
| Toyota Camry | $355 |
| Ford Explorer | $430 |
| Chevrolet Equinox | $326 |
Average Auto Insurance Rates In Stockton – By Age
Insurance companies consider age a major factor when setting rates. Young drivers, especially teenagers, tend to pay more—about $3,270 per year—because they have less experience and are more prone to accidents.
Insurance premiums generally decrease around age 25, assuming the driver has maintained a spotless record.
Insurance providers offer the most competitive rates to drivers in their 50s and early 60s because age helps gauge driving experience and potential risk.
| Age | Average Yearly Rate |
| Teenagers | $3,270 |
| 20s | $2,401 |
| 30s | $1,581 |
| 40s | $1,752 |
| 50s | $1,614 |
| 60s | $1,576 |
| 70s | $1,517 |
How Much Is Car Insurance In Other Cities in California?
Car insurance premiums vary by location. Insurers analyze accident risks, crime rates, and vandalism, all of which are more common in cities, often leading to higher prices.
If you live in Los Angeles, you can expect to pay roughly $244 per month for car insurance, compared to $177 in San Diego.
| City | Average Monthly Rate |
| Los Angeles | $244 |
| San Diego | $177 |
| Long Beach | $220 |
| San Francisco | $225 |
| Fresno | $158 |
| Sacramento | $157 |
| Anaheim | $232 |
| Oakland | $233 |
| Bakersfield | $132 |
| Pasadena | $151 |
Average Cost Of Auto Insurance In Stockton – By Zip Code
Insurers analyze zip codes to gauge crime risks, leading to varying car insurance rates in different areas.
The following table provides average insurance costs for different Stockton zip codes.
| City | Average Monthly Rate |
| 95206 | $164 |
| 95219 | $156 |
| 95203 | $144 |
| 95215 | $140 |
| 95231 | $200 |
Find affordable Stockton rates
Our Methodology
Taking into account customer service, pricing, coverage options, and online reviews, I’ve developed a thorough analysis of Stockton, CA’s car insurance market.
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FAQs
Who has the lowest car insurance rates in Stockton?
If you’re looking for cheap car insurance in Stockton, USAA has the most affordable minimum coverage, and Mercury offers the lowest rates for full coverage.
What is the average cost of car insurance in Stockton?
The typical car insurance rate in Stockton is about $160 per month, though your costs may vary based on your zip code, vehicle details, and driving history.
