Trying to find budget insurance is tough enough, and deciding which companies offer the lowest-priced auto insurance rates for high mileage drivers may require additional perseverance.
Every insurance provider has their own formula for determining rates in each state, so to begin we’ll rank the auto insurance companies with the overall best prices in Stockton, CA. We do need to point out that Stockton auto insurance rates are calculated based on many things that can increase the policy price. Price variation is why it is crucial to do a thorough rate comparison when trying to get the most economical insurance quotes for high mileage drivers. Car insurance prices are influenced by many different factors and change substantially, so the most economical company the last time you shopped your coverage around may now be one of the higher cost companies.
Find the Cheapest Auto Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,513 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
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USAA offers some of the cheapest car insurance rates in Stockton at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the most economical Stockton, CA insurance companies.
As shown in the rates above, if you are currently insured with Wawanesa and switched to USAA, you may realize savings of approximately $49. Drivers with Century National might save as much as $71 a year, and CSAA customers might lower prices by up to $79 a year.
To see how much you can save, click here to start a quote or feel free to get quotes from the companies below.
Be aware that those premiums are averages across all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for high mileage drivers. So the insurer that has the cheapest price for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.
One of the more important considerations that determine auto insurance rates is where you keep your car in Stockton. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.
The next table lists the most expensive areas in California for high mileage drivers to purchase car insurance in. Stockton comes in at #11 with an annual cost of $1,541 for car insurance, which is around $128 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,580 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Moreno Valley | $1,551 |
| 10 | Riverside | $1,542 |
| 11 | Stockton | $1,541 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,524 |
| 14 | Fontana | $1,519 |
| 15 | Anaheim | $1,488 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,394 |
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Rate quotes are estimated as the garaging address in Stockton can lower or raise prices greatly.
The car, truck, or SUV driven is one of the primary factors when shopping for affordable insurance for high mileage drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models.
The data below presents auto insurance rates for the cheaper automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,105 |
| Toyota Tacoma 4WD | $1,214 |
| Dodge Grand Caravan CV | $1,219 |
| Honda Odyssey EX | $1,256 |
| Ford Escape XLS 4WD | $1,325 |
| Ford F-350 XL Super Cab 2WD | $1,329 |
| Hyundai Elantra SE Touring Station Wagon | $1,343 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,348 |
| Toyota Camry XLE | $1,355 |
| GMC Sierra SLT Extended Cab 4WD | $1,372 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,388 |
| Toyota RAV4 4WD | $1,466 |
| Volkswagen Jetta S 4-Dr Sedan | $1,474 |
| Chevrolet Equinox LT 2WD | $1,466 |
| Toyota Prius | $1,473 |
| Ford Explorer XLT 4WD | $1,488 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,496 |
| Ford F-150 STX Super Cab 4WD | $1,518 |
| Toyota Corolla S | $1,542 |
| Ford Edge Sport 2WD | $1,551 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle location which can alter premium rates greatly.
Based upon the rates shown, cars like the Honda CR-V, Toyota Tacoma, Dodge Grand Caravan, Honda Odyssey, and Ford Escape will be the most budget-friendly vehicles to insure for high mileage drivers.
Ending up with the highest-rated insurance company can be a challenge considering how many choices you have in California. The company rank data in the lists below could help you pick which insurers to look at when shopping car insurance rates for high mileage drivers.
These ratings include large nationwide companies, so companies that have a smaller presence will not be included in these rankings. To compare prices from these companies and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Stockton insurance rates
Insurers that provide policies for high mileage drivers may have rate discounts that could reduce prices by 25% or more if you are eligible to receive them. Large auto insurance companies and some of the discounts are included below.
- State Farm offers discounts for student away at school, passive restraint, good driver, safe vehicle, and anti-theft.
- Farmers Insurance has discounts for multi-car, youthful driver, business and professional, electronic funds transfer, alternative fuel, and switch companies.
- Progressive policyholders can earn discounts including online quote discount, online signing, multi-policy, good student, continuous coverage, homeowner, and multi-vehicle.
- GEICO may offer discounts for anti-theft, good student, air bags, daytime running lights, seat belt use, driver training, and emergency military deployment.
- Auto-Owners Insurance offers premium reductions for anti-theft, teen driver, paid in full, paperless, and group or association.
- The Hartford may have discounts that include good student, air bag, driver training, vehicle fuel type, bundle, anti-theft, and defensive driver.
- Farm Bureau discounts include 55 and retired, youthful driver, multi-vehicle, driver training, multi-policy, renewal discount, and good student.
- USAA offers discounts including multi-policy, family discount, multi-vehicle, annual mileage, loyalty savings, and military installation.
The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, marriage, anti-theft, multiple policy, accident-free, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for high mileage drivers is 28% or $738.
The illustration below shows how different deductible levels can influence annual premium costs when getting quotes for cheap insurance for high mileage drivers. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could lower rates by $490 a year by switching from a $100 deductible up to a $500 deductible, or save $736 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could reduce their rates $1,246 or even more by selecting a higher deductible. If you do make the decision to raise your deductibles, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Compare rates to save
California auto insurance rates are calculated based on many things that may substantially change the cost of a policy. Improving your credit score, getting married, or getting a reckless driving citation can cause premium changes resulting in some rates now being more affordable than competitors.
Not only may your risk profile change, but companies change rates as needed to adjust for heavy claims or excess profits. A period of increased losses can result in additional premium costs, while profitable underwriting can cause cheaper Stockton car insurance rates.
As an example, the graph below shows which companies have the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no violations or accidents, and solid credit. When quoting prices based on her personal profile, USAA may have the best car insurance rates in Stockton at $1,350 per year. This is $301 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the top five cheapest Stockton, CA auto insurance companies.
Let’s now give the driver in the first chart some claims, a little lower credit rating, and a few traffic violations. Because each insurer uses their own method to determine rates, comparing insurance quotes may now result in a new list of companies as shown below.
Grange now has the best insurance rate in Stockton with Progressive, Mercury, Allied, and Allstate also having competitive pricing. This example shows why it is crucial to compare lots of rates to find the lowest car insurance rates for high mileage drivers. Insurance prices are impacted by many things and can decrease or increase without notice, so the cheapest company the last time you shopped around may now be quite expensive.