The type of vehicle you are trying to insure is a large consideration that determines the availability of cheap auto insurance for police officers. Vehicles with higher performance, poor crash test ratings, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.
The next list showcases insurance costs for a number of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,085 |
| Honda Accord EX 4-Dr Sedan | $1,093 |
| Ford F-150 XL Regular Cab 2WD | $1,126 |
| Ford Escape Limited 4WD | $1,178 |
| Dodge Grand Caravan CV | $1,216 |
| Ford Explorer Limited 4WD | $1,310 |
| Hyundai Elantra SE 4-Dr Sedan | $1,350 |
| Toyota Camry XLE | $1,359 |
| GMC Sierra SLE Crew Cab 2WD | $1,376 |
| Ford Fusion SE 4-Dr Sedan | $1,385 |
| Chevrolet Equinox LTZ AWD | $1,376 |
| Ford Edge SEL AWD | $1,445 |
| Ford Focus SES 2-Dr Coupe | $1,453 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,466 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,471 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can modify coverage rates substantially.
Looking at the numbers, you can expect vehicles like the Honda CR-V, Honda Accord, and Ford F-150 will be a few of the most affordable vehicles to insure for law enforcement personnel.
Locating affordable car insurance is not most people’s favorite thing to do, and deciding which company has the most affordable insurance rates for police officers involves a bit more work.
Each insurer has their own formula for establishing rates, so let’s begin by examining the insurance companies that tend to have lower prices in California. It’s a good idea to be aware that Stockton, CA insurance rates are determined by lots of factors that may substantially change the cost of your policy. Price variation is why California drivers need to perform a complete rate comparison when trying to find the most budget-friendly car insurance rates for police officers. Car insurance prices are impacted by many things and can increase or decrease at any time, so the most economical option a year ago may now be costing you a lot of money.
Find Cheaper Auto Insurance for Law Enforcement
USAA has some of the lowest car insurance rates in Stockton at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the more affordable Stockton, CA car insurance companies.
In this example, if you currently have a policy with Century National and switched to USAA, you might see a yearly price reduction of approximately $93. Drivers with Nationwide could save as much as $129 a year, and 21st Century insureds might reduce prices by as much as $217 a year.
If you would like to find cheaper car insurance rates, click here to begin a quote or quote prices from the following companies.
Understand that those estimates are averaged for all insureds and vehicles and and are not figured with a vehicle location for police officers. So the car insurance company that fits you best may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
One of the many criteria that are used to help calculate the amount you pay for auto insurance is where you choose to live. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The following table ranks the most expensive places in California for police officers to buy car insurance in. Stockton comes in at #8 with an annual cost of $1,588 for car insurance, which is approximately $132 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,704 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,535 |
| 10 | Santa Clarita | $1,533 |
| 11 | Garden Grove | $1,524 |
| 12 | Riverside | $1,497 |
| 13 | Moreno Valley | $1,491 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,472 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Diego | $1,381 |
| 19 | San Jose | $1,381 |
| 20 | Irvine | $1,371 |
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Annual rates are estimated as the garaging address in Stockton can increase or decrease premiums greatly.
Finding a good quality company is hard considering how many companies are available to choose from in California. The ranking information shown next could help you pick which insurers to look at when shopping car insurance rates for police officers.
These rankings are for large nationwide companies, so smaller companies are not taken into consideration for these rankings. To compare price quotes from these and other top-rated companies, simply click here.
Top 10 Large Car Insurance Companies Overall in Stockton
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Car Insurance Companies 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
The chart below highlights how deductible choice can change insurance costs when getting quotes for cheap insurance for police officers. The rate quotes are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could lower their policy premium by $308 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, can cut up to $1,026 every year just by choosing higher deductibles.
If you do raise deductibles, it will be important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
Full coverage rates compared to liability only
Finding the cheapest insurance is important to the majority of vehicle owners, and one of the fastest ways to find cheap insurance for police officers is to buy liability only. The diagram below shows the difference between car insurance costs with and without physical damage coverage. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Averaged out for all age groups, physical damage coverage costs $2,075 per year more than carrying just liability coverage. That is a big expense that brings up the question if you should buy full coverage. There is no definitive rule of when to phase out full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 a year for your policy with full coverage, then it may be the right time to buy liability only.
Why you are probably overpaying for car insurance
Stockton insurance rates are based on many factors which can substantially change your annual premium. Simply getting older, getting divorced, or getting a reckless driving citation can produce rate changes that can cause some rates to be more affordable than the competition.
And not only may your rating factors change, but insurance companies change premium rates without warning to adjust for unexpected claims or profits. A period of higher than normal claims can result in more expensive prices, while a lower level of claims can cause cheaper Stockton car insurance rates.
The bar chart below shows rates for the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. When comparing rates based on her current risk factors, USAA might quote the most affordable car insurance rates in Stockton at $1,325 annually. This is $326 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA round out the rest of the most affordable Stockton, CA auto insurance companies.
Let’s now give the driver from the first set of rates an accident claim, poor credit, and a speeding citation. Because each company has their own guidelines for filing rates in each state, analyzing rates may result in a different list of cheap Stockton auto insurance companies as shown below.
Grange now has the lowest price in Stockton, CA with Mercury, Allstate, GEICO, and Allied also having competitive pricing. This example illustrates why it is critical to take the time to shop around to get affordable auto insurance rates for police officers. Prices are determined by many factors and can change without notice, so the best company two years ago may now be wasting a lot of money.