For bad credit, one of the more important criteria that determine insurance cost is where you live in Stockton. More densely populated places are more likely to have higher rates, whereas areas that tend to be more rural have the luxury of lower rates.
The following table ranks the most costly cities in California for low credit scores in which to purchase auto insurance. Stockton makes the list at #11 with a yearly premium of $1,541 for car insurance, which is approximately $128 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Fontana | $1,566 |
| 9 | Moreno Valley | $1,551 |
| 10 | Modesto | $1,547 |
| 11 | Stockton | $1,541 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,502 |
| 15 | Riverside | $1,482 |
| 16 | Anaheim | $1,474 |
| 17 | Santa Ana | $1,453 |
| 18 | Fremont | $1,403 |
| 19 | Huntington Beach | $1,402 |
| 20 | San Jose | $1,395 |
| 21 | Bakersfield | $1,394 |
| 22 | Irvine | $1,371 |
| 23 | Oxnard | $1,358 |
| 24 | San Diego | $1,340 |
| 25 | Chula Vista | $1,337 |
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Information shown are estimated as specific location information can alter prices greatly.
Finding good, low-priced auto insurance is tough enough, and finding out which company offers the most affordable insurance rates for low credit scores takes a bit more work.
Every car insurance company uses their own method to set policy rates, so to begin we’ll rank the most budget-friendly insurance companies in Stockton. It’s a good idea to know that Stockton insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Improving your credit rating, filing a claim, or getting a speeding ticket may cause policy rate changes that can make some companies higher when they were quite affordable.
Lowest Insurance Price Quotes in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the lowest car insurance rates in Stockton at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the lowest-priced Stockton, CA auto insurance companies.
In the above rates, if you currently have a policy with Nationwide and switched to Wawanesa, you might see yearly savings of around $93. Customers with 21st Century could save as much as $209 a year, and Grange customers might see rate reductions of $290 a year.
If you would like to find cheaper car insurance rates, click here to start a quote or visit several of the following companies.
Understand that those prices are averaged across all ages of drivers and types of vehicles and are not factoring in an exact zip code location for low credit scores. So the car insurance company that can offer you the lowest price may not even be in the list above. That’s why you need to get rate quotes using your own personalized driver profile and vehicle information.
Get discounts on Stockton auto insurance rates
Insurers that provide coverage for low credit scores could also offer premium discounts that could lower prices by 40% or more if you are eligible. A list of insurance companies and a selection of discounts are outlined below.
- The Hartford includes discounts for driver training, bundle, anti-theft, vehicle fuel type, defensive driver, and good student.
- American Family may include discounts for good student, good driver, Steer into Savings, defensive driver, and accident-free.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, online quote discount, multi-vehicle, and homeowner.
- Travelers offers premium reductions for student away at school, driver training, home ownership, hybrid/electric vehicle, new car, payment discounts, and multi-car.
- Farmers Insurance policyholders can earn discounts including mature driver, distant student, youthful driver, early shopping, pay in full, and good student.
- USAA has savings for defensive driver, annual mileage, vehicle storage, family discount, good student, and driver training.
- Liberty Mutual discounts include new graduate, safety features, preferred payment discount, good student, and multi-policy.
The illustration below shows the comparison of insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, marriage, claim-free, defensive driving course, passive restraint, and accident-free discounts applied. When discounts are applied, the average savings per year on insurance for low credit scores is 28% or $738.
The illustration below shows how choosing a deductible can influence insurance prices when quoting cheap insurance for low credit scores. The premiums are based on a single female driver, full physical damage coverage, and no discounts are factored in.
A 40-year-old driver could save $476 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $712 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could save as much as $1,216 every year just by choosing higher deductibles. If you do raise deductibles, it’s a good idea to have enough spare savings to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How accidents and tickets impact rates
The easiest method to get the most affordable insurance rates in Stockton for bad credit is to pay attention while driving and avoid accidents and traffic violations. The chart below shows how speeding tickets and at-fault collisions influence auto insurance rates for different age categories. The rates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance in Stockton per year with a clean driving record and no accidents is $1,912. Receive one speeding ticket and the average cost rises to $2,234, an increase of $322 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for low credit scores increases to an average of $5,258. That’s an increase of $3,346, or $279 per month, just for not paying attention while driving!
Stockton car insurance rates
Stockton, CA insurance rates are impacted by many factors that control the price of your policy. Simply improving your credit, having a teen driver, or getting a ticket for careless driving may cause policy rate changes resulting in some companies being much cheaper than others. In addition, insurance companies amend pricing every year or even multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can cause rate hikes, while profitable underwriting can produce lower-cost Stockton car insurance rates.
For example, the chart below demonstrates which company has the cheapest car insurance in Stockton, CA for a 45-year-old male driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on his current rating profile, USAA has the most affordable car insurance rates in Stockton at $1,330 each year. This is $321 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Stockton, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example a chargeable accident, a lower credit rating, and a stop sign violation. Since every insurance provider has a different process for determining rates in each state, comparing insurance quotes may now show a new list of affordable companies as shown below.
Grange now has the best auto insurance rate in Stockton with Progressive, Mercury, GEICO, and Allstate now being in the top five. This example proves why it is critical to perform a complete rate comparison when trying to find the most affordable insurance rates for low credit scores. Auto insurance prices can be altered by many things and can change substantially, so the lowest-price company a year ago may now be quite expensive.