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Stockton drivers pay higher-than-average rates for car insurance, at $143 per month, according to our data. Vehicle theft rates are on the rise in San Joaquin County, according to the California Highway Patrol.[1] And new state requirements for higher liability limits in 2025 aren’t helping rates, either.[2]
But it’s possible to find lower rates — USAA, Aspire General, and Sun Coast offer the cheapest car insurance rates in the city.
Let’s look at where to find the best car insurance deals for different types of drivers in Stockton and money-saving tips to trim those premiums down even further.
Stockton drivers pay an average of $90 per month for liability coverage and $196 per month for full coverage.
California requires drivers to have $30,000 per person and $60,000 per accident in bodily injury liability insurance and $15,000 for property damage liability.
To save on car insurance, shop for quotes from multiple companies, keep a clean driving record, and ask about discounts.
You can find cheap car insurance in Stockton without sacrificing coverage. We’ve analyzed dozens of quotes from the best car insurance companies to find the best deals for Stockton drivers.
Here’s a breakdown of the most affordable car insurance options in Stockton, according to Compare.com data:
Company  | Average Monthly Premium |
|---|---|
| USAA | $82 |
| Aspire General | $85 |
| National General | $91 |
| Sun Coast | $91 |
| GEICO | $93 |
| Mercury | $94 |
| Dairyland | $98 |
| Root | $111 |
| Allstate | $113 |
| Farmers | $116 |
| Direct Auto | $118 |
| Anchor | $119 |
| Bristol West | $125 |
| Kemper Special | $126 |
| State Farm | $126 |
| Travelers | $132 |
| Kemper Rsvp | $140 |
| 21st Century | $144 |
| Nationwide | $177 |
USAA has the lowest overall rates, averaging $82 per month. Keep reading to see which insurer offers the cheapest prices based on age, driving history, coverage level, and other factors.
Compare personalized quotes from Stockton’s top insurers.
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While the companies above have solid starting rates, your actual premium depends on tons of variables — including your address and driving record. Everyone’s situation is unique, and a car insurance comparison site can help you nail down your choices.
Check out this breakdown of the most affordable options based on different driver profiles and coverage needs, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $82 |
| Full coverage | Aspire General | $161 |
| Teens | USAA | $153 |
| Seniors | USAA | $68 |
| Drivers with a speeding ticket | USAA | $106 |
| Drivers with an at-fault accident | USAA | $107 |
| Drivers with a DUI | USAA | $114 |
Now, let’s look at who has the cheapest car insurance rates for different driver profiles, like first-time drivers or those who’ve been cruising Pacific Avenue for decades.
On average, Stockton motorists pay about $90 per month for bare-bones, state-minimum car insurance. It might seem tempting when you’re trying to save cash. Still, most experts suggest getting more protection because one fender-bender on March Lane during rush hour could easily exceed your minimum liability-coverage limits.
If savings money is your goal or you simply don’t need full coverage, here are the five cheapest options for basic insurance protection, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| Aspire General | $85 |
| National General | $91 |
| Sun Coast | $91 |
| GEICO | $93 |
| Mercury | $94 |
| Dairyland | $98 |
| Root | $111 |
| Allstate | $113 |
| Farmers | $116 |
| Direct Auto | $118 |
| Anchor | $119 |
| Bristol West | $125 |
| Kemper Special | $126 |
| State Farm | $126 |
| Travelers | $132 |
| Kemper Rsvp | $140 |
| 21st Century | $144 |
| Nationwide | $177 |
While liability insurance only pays for the other person’s car when you’re at fault, full coverage gives you more robust coverage. It includes comprehensive insurance, which covers theft, vandalism, and natural disasters, and collision coverage, which pays if you hit a pole, guardrail, or another vehicle.
But here’s the catch: if you have a car loan or lease, your lender may not give you a choice. Full coverage may be mandatory until you make your final payment.[3]
Stockton drivers pay $196 per month on average for full-coverage protection. Here are the five companies offering the cheapest deals on full coverage in Stockton, according to our research.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $161 |
| Root | $183 |
| Mercury | $193 |
| USAA | $193 |
| GEICO | $196 |
| Kemper Special | $221 |
| Kemper Rsvp | $225 |
| Sun Coast | $228 |
| Anchor | $234 |
| Dairyland | $240 |
| National General | $258 |
| Allstate | $265 |
| Farmers | $273 |
| Bristol West | $290 |
| State Farm | $295 |
| Direct Auto | $305 |
| Travelers | $310 |
| 21st Century | $338 |
| Nationwide | $416 |
Adding your teenager to your policy can balloon your car insurance bill. Teen rates are high because they have a higher chance of getting into accidents. Drivers ages 16 to 19 are nearly three times more likely to be in a fatal crash than drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).[4]
The average cost of teen car insurance in Stockton is $265 per month. If you have a young driver in your family, these five companies won’t hit your wallet quite so hard, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $153 |
| Aspire General | $158 |
| GEICO | $168 |
| Sun Coast | $169 |
| Dairyland | $170 |
| Mercury | $176 |
| National General | $186 |
| Root | $194 |
| Anchor | $212 |
| Bristol West | $226 |
| Allstate | $226 |
| Direct Auto | $229 |
| Farmers | $233 |
| Kemper Special | $234 |
| State Farm | $247 |
| Kemper Rsvp | $260 |
| 21st Century | $262 |
| Travelers | $277 |
| Nationwide | $350 |
One perk of getting older you might not consider: cheaper car insurance quotes. Seniors typically enjoy some of the lowest premiums thanks to decades of driving experience and generally safer habits behind the wheel.
Stockton’s more mature drivers pay $128 per month, on average. Check out these five companies offering the best rates for Stockton’s senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| National General | $73 |
| GEICO | $75 |
| Aspire General | $76 |
| Mercury | $77 |
| Sun Coast | $82 |
| Dairyland | $84 |
| Allstate | $94 |
| Farmers | $94 |
| Root | $95 |
| Direct Auto | $97 |
| Anchor | $99 |
| State Farm | $101 |
| Bristol West | $106 |
| Travelers | $108 |
| Kemper Special | $113 |
| 21st Century | $116 |
| Kemper Rsvp | $125 |
| Nationwide | $138 |
If a officer stops you for speeding down Trinity Parkway, your wallet can feel the pain long after paying the ticket. An insurance company sees tickets as red flags that you might be a high-risk driver, and you’ll pay more because of it. Our research shows California drivers face an average rate hike of 25% after just one speeding ticket.
In Stockton, drivers with a recent ticket pay an average of $181 per month. If you have a ticket and are shopping for new car insurance coverage, the five insurance companies below are the cheapest, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| Aspire General | $107 |
| National General | $114 |
| Sun Coast | $115 |
| GEICO | $122 |
| Dairyland | $123 |
| Mercury | $132 |
| Allstate | $148 |
| Direct Auto | $148 |
| Anchor | $148 |
| Root | $148 |
| Farmers | $149 |
| Bristol West | $158 |
| Kemper Special | $159 |
| State Farm | $160 |
| Travelers | $172 |
| Kemper Rsvp | $177 |
| 21st Century | $190 |
| Nationwide | $231 |
A car crash can lead to a premium hike. California law allows insurers to increase your rate if you’re 51% or more at fault for the accident. Drivers in California face an average rate increase of 27% after just one at-fault accident, according to our data.
Drivers in Stockton with a recent accident see prices around $178 per month. If you have an accident on your driving record, here are five companies with the most reasonable prices, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $106 |
| USAA | $107 |
| Sun Coast | $114 |
| National General | $117 |
| GEICO | $118 |
| Dairyland | $126 |
| Mercury | $138 |
| Root | $144 |
| Allstate | $147 |
| Farmers | $150 |
| Anchor | $151 |
| Direct Auto | $156 |
| Kemper Special | $157 |
| Bristol West | $160 |
| State Farm | $162 |
| Travelers | $173 |
| Kemper Rsvp | $175 |
| 21st Century | $190 |
| Nationwide | $231 |
Driving under the influence (DUI) can hit your insurance rates harder than a ticket or a car crash. Insurance companies can put you solidly in the “high-risk driver” category after a DUI, and charge accordingly. Our research shows California drivers see a 53% rate increase on average after a DUI — more than double the price jump from a speeding ticket.
In Stockton, a driver with a DUI pays an average of $185 per month. If you’re rebuilding after a DUI, consider these five insurance companies that offer the cheapest options, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $110 |
| USAA | $114 |
| Sun Coast | $118 |
| National General | $127 |
| GEICO | $128 |
| Mercury | $136 |
| Dairyland | $136 |
| Root | $155 |
| Allstate | $157 |
| Farmers | $161 |
| Kemper Special | $163 |
| Direct Auto | $164 |
| Anchor | $167 |
| Bristol West | $174 |
| State Farm | $175 |
| Kemper Rsvp | $181 |
| Travelers | $184 |
| 21st Century | $188 |
| Nationwide | $246 |
Compare quotes side by side and lock in cheaper rates.
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Driving in Stockton without insurance is more than risky: It’s illegal. California requires all drivers to have a minimum amount of auto insurance coverage for bodily injury and property damage.[5]
Here’s what you’ll need to legally drive in California:
$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$15,000 for property damage liability
The California Department of Motor Vehicles (DMV) lists the state’s updated 2025 limits, which are about twice as much as before.
Most experts recommend going beyond minimum coverage — especially if you own property or have significant assets that could be at risk in a lawsuit. If you’re financing your car, your lender may require comprehensive and collision coverage until you pay off the loan.
The California Department of Insurance specifically suggests that the more assets you have, the more coverage you should consider to protect them.
If you still have questions about finding the best car insurance in Stockton, here are the answers to some of the most common questions local drivers have about saving on their premiums.
USAA offers the lowest average premiums, at $82 per month, according to our data. Keep in mind that how much you actually pay depends on factors like your driving record, where you live in Stockton, and the vehicle you drive.
Stockton drivers pay an average of $143 per month for car insurance, according to our research. If you’re looking at minimum liability coverage only, expect to pay around $90, while full-coverage protection costs $196 per month.
Not really. Paying $100 per month can be a pretty good deal for California car insurance, especially for Stockton. For context, the average California driver pays $93 per month for liability coverage and $186 per month for full coverage. Whether it’s “expensive” depends on your specific situation — your coverage level, driving history, age, and vehicle type all play a role in how much you’ll pay.
The right company comes down to the coverage you need, your driving history, and your budget. That said, AAA, State Farm, and CONNECT by American Family typically rank well for customer satisfaction, according to J.D. Power.[6]
The cheapest companies in the state are USAA, National General, and Sun Coast, according to our data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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