Buying affordable car insurance is not always easy, and finding out which company has the cheapest insurance rates for drivers with bad credit may require even more rate comparisons.
Every auto insurer has their own process to set policy rates, so first let’s look at the rankings for the insurance companies that tend to be cheaper in Stockton. It’s important to know that Stockton, CA insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. That is why Stockton drivers need to shop around with many companies to get the most affordable insurance rates for drivers with bad credit. Auto insurance prices are calculated by many factors and can decrease or increase without notice, so the most affordable company when you bought your policy may now be an over-priced policy.
Lowest Insurance Price Quotes with Bad Credit
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | Mercury | $1,548 |
| 10 | Allied | $1,556 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,733 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,966 |
| View More Rates Go | ||
USAA quotes some of the lowest car insurance rates in Stockton at around $1,155 per year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the most economical Stockton, CA auto insurance companies.
As shown in the rates above, if you currently buy coverage from Wawanesa and switched to USAA, you could earn an annual savings of upwards of $26. California drivers with CSAA could save as much as $31 a year, and Century National insureds might lower prices by $35 a year.
To see how much you can save, click here to start your custom quote or quote rates from the companies below.
These estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for drivers with bad credit. So the company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.
The make and model of vehicle requiring coverage is one of the largest factors when shopping for low-priced car insurance for drivers with bad credit. Vehicles with lower performance, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.
The next list ranks car insurance rates for a number of the cheaper automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,216 |
| Honda Accord LX 4-Dr Sedan | $1,226 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,218 |
| Honda CR-V EX 4WD | $1,244 |
| Ford Edge Limited 2WD | $1,287 |
| Nissan Altima 2.5 4-Dr Sedan | $1,311 |
| Dodge Grand Caravan Crew | $1,337 |
| Toyota Prius | $1,351 |
| Nissan Rogue S AWD | $1,406 |
| Honda Odyssey EX | $1,410 |
| Ford F-150 XL Crew Cab 2WD | $1,413 |
| Ford F-350 XL Crew Cab 2WD | $1,432 |
| GMC Sierra SL Extended Cab 2WD | $1,439 |
| Find Cheaper Rates Go | |
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can increase or decrease premium rates greatly.
Looking at the numbers, we can conclude that makes and models like the Ford Escape, Honda Accord, Jeep Wrangler, and Honda CR-V are most likely going to be a few of the cheapest vehicles to insure for people with poor credit. Car insurance rates will be more costly just due to the fact that there is more claim exposure for drivers with bad credit, but overall those vehicles will have the cheapest rates compared to other vehicles.
Discount Stockton insurance rates
Insurance companies that provide coverage for drivers with bad credit may provide discounts that could lower prices by as much as 30% if you qualify for them. Larger insurance companies and a selection of discounts are outlined below.
- Progressive has discounts for multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
- Farmers Insurance includes discounts for electronic funds transfer, youthful driver, switch companies, multi-car, distant student, homeowner, and early shopping.
- Farm Bureau offers premium reductions for safe driver, multi-vehicle, multi-policy, good student, 55 and retired, and driver training.
- State Farm offers discounts including good student, student away at school, Drive Safe & Save, accident-free, Steer Clear safe driver discount, defensive driving training, and passive restraint.
- GEICO has savings for emergency military deployment, multi-policy, military active duty, five-year accident-free, federal employee, multi-vehicle, and air bags.
- SAFECO offers discounts for teen safe driver, homeowner, bundle discounts, drive less, and anti-lock brakes.
- Liberty Mutual policyholders can earn discounts including safety features, exclusive group savings, new vehicle discount, newly married, preferred payment discount, teen driver discount, and newly retired.
The chart below compares annual premium costs with and without discounts. The information is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, homeowner, multiple vehicle, anti-theft, accident-free, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on insurance for drivers with bad credit is 28% or $944.
Selecting a highly-rated company is difficult considering how many companies there are to choose from in California. The company rank data below can help you analyze which coverage providers to look at putting your business with. The ratings below are only comprised of companies with a national presence, so companies without a large exposure are not factored into this list.
Top 10 Major Auto Insurance Providers Overall in Stockton
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Auto Insurance Providers in Stockton Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
The benefits of price comparisons
Stockton, CA insurance rates are impacted by many things which can substantially change the cost of having a policy. Simply turning a year older, moving to a new city, or getting a few speeding tickets can produce rate changes resulting in some companies being more affordable than others. Not only may your situation change, but companies change the rates they charge in California as needed to adjust for unexpected claims or profits. Heavy losses can cause higher rates, while better underwriting may cause lower-priced Stockton car insurance rates.
To help illustrate this point, the graph below shows the companies that have the cheapest car insurance in Stockton, CA for a 40-year-old female driver with a clean driving record, no accidents, and great credit. If we estimate prices based on her personal profile, USAA has the cheapest car insurance rates in Stockton at $1,330 each year. This is $321 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also on the list of the best Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart an accident claim, a little lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has a proprietary method for filing rates in each state, comparing quotes will most likely result in a different ranking of the cheapest Stockton car insurance companies as shown below.
Grange now has the cheapest insurance rate in Stockton, CA with Mercury, Allstate, GEICO, and Progressive also having competitive pricing. This illustrates why it is critical to do a thorough rate comparison to find the best insurance rates for drivers with bad credit. Insurance prices consist of many risk factors and change dramatically, so the lowest-price company three years ago may now be quite expensive.
The agencies below can aid you in deciding which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to have some professional guidance when trying to find the best insurance rates for drivers with bad credit. It can be difficult to find coverage yourself, and getting advice from a licensed agent can add peace of mind knowing your coverage gives you suitable coverage if you have an accident. To find a Stockton insurance agency in your neighborhood, click the button at the bottom.
- Rangel Insurance
6025 Pacific Ave – Stockton, CA 95207 – (209) 474-7777 - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 - Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775