For minors, one of the largest considerations that determine insurance cost is where you live in Stockton. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The following table rates the most expensive cities in California for drivers under 21 to purchase a policy in. Stockton ranks #7 with the yearly price of $1,603 for the average policyholder, which is approximately $134 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,595 |
| 9 | Garden Grove | $1,570 |
| 10 | Long Beach | $1,562 |
| 11 | Riverside | $1,527 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Santa Ana | $1,483 |
| 18 | Bakersfield | $1,394 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,374 |
| 21 | Irvine | $1,371 |
| 22 | Fremont | $1,361 |
| 23 | San Diego | $1,327 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Price information shown is approximated as zip code location can alter coverage prices significantly.
The make and model of vehicle on the policy is probably the biggest factor when comparing economical car insurance for drivers under 21. Vehicles with higher performance, poor safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models. The table below estimates insurance prices for a handful of the cheaper vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $3,726 |
| Ford Escape XLS 2WD | $3,733 |
| Honda CR-V EX-L 2WD | $3,774 |
| Hyundai Elantra SE Touring Station Wagon | $4,033 |
| Toyota Prius | $4,081 |
| Honda Odyssey LX | $4,117 |
| Ford Explorer XLT 2WD | $4,165 |
| Volkswagen Jetta SE 2.5 Station Wagon | $4,340 |
| Chevrolet Impala LS | $4,376 |
| Ford Edge SEL AWD | $4,386 |
| Toyota Tacoma 2WD | $4,376 |
| Chevrolet Silverado LS Extended Cab 4WD | $4,423 |
| Jeep Grand Cherokee Laredo 2WD | $4,431 |
| Chevrolet Malibu LS | $4,423 |
| Toyota RAV4 Sport 2WD | $4,433 |
| Toyota Camry LE | $4,423 |
| Dodge Grand Caravan SXT | $4,471 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $4,553 |
| Toyota Corolla XLE | $4,682 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $4,730 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $4,738 |
| GMC Sierra SLE Extended Cab 4WD | $4,730 |
| Honda Civic Hybrid 4-Dr Sedan | $4,736 |
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Above prices assume single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific Stockton, CA garaging location which can change rates considerably.
Based upon the table data, you can presume that vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Hyundai Elantra will definitely be some of the less-costly vehicles to insure for minors. Prices will trend higher because there is more risk for drivers under 21, but generally speaking those specific models will tend to have the cheapest car insurance rates that you’ll find.
Finding budget auto insurance is hard enough, and deciding which companies quote the cheapest insurance rates for drivers under 21 requires even more rate comparisons. Each insurance company has their own process to set premium rates, so first let’s look at the rankings for the most competitive insurance companies in California.
It’s important to know that California insurance rates are influenced by many factors that control the price of your policy. Price variation is why consumers need to take the time to perform a complete rate comparison when trying to find the lowest car insurance rates for drivers under 21. Auto insurance prices consist of many different factors and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now cost much more than other companies.
Find Cheaper Auto Insurance for Minors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | MetLife | $1,590 |
| 14 | Allied | $1,603 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA may have some of the most affordable car insurance rates in Stockton at around $1,109 each year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the best Stockton, CA car insurance companies.
As the example above demonstrates, if you are currently insured with Nationwide and switched to Wawanesa, you might see annual savings of upwards of $106. Customers with 21st Century could save as much as $209 a year, and Grange customers might reduce rates by $276 a year.
Be aware that those premium estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for drivers under 21. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.
Selecting the best company is difficult considering how many choices drivers have in California. The rank data listed below can help you choose which insurers you want to consider when insurance shopping for drivers under 21.
These rankings are for companies that insure vehicles across America, so companies that have a smaller presence will not be included in these rankings. To view rates and find the cheapest rates for drivers under 21, click here.
Top 10 Large Auto Insurers in Stockton Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Auto Insurers in Stockton Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Safe drivers pay less for insurance
In a perfect world, the best way to get good insurance premiums in California for minors is to be an attentive driver and avoid at-fault accidents and violations. The illustration below highlights how traffic violations and accident claims raise yearly insurance costs for different age groups. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of a car insurance policy in Stockton per year with no accidents and a clean driving record is $2,075. Add in two speeding tickets and the average cost hikes up to $2,743, an increase of $668 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of insurance for drivers under 21 goes up to an average of $3,413. That’s an increase of $1,338, or $111 per month, just for not maintaining a clean driving record!
How much more does full coverage cost in Stockton?
Buying cheaper insurance is the goal of most vehicle owners, and one great way to buy cheaper insurance for drivers under 21 is to only buy liability insurance. The example below visualizes the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no policy discounts are applied.
As an overall average, physical damage insurance costs an extra $2,525 per year more than just buying liability insurance. Many drivers may wonder if it’s worth it to buy full coverage. There isn’t a steadfast formula for excluding physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.