In an ideal world, we could simply tell you the one auto insurance company that has the cheapest rate quotes in California. Unfortunately, it’s not that simple as there are a lot of unknown factors such as if you want full coverage, your gender, your credit rating, and your marital status, that help determine the price you have to pay. This article should teach you a little about the different scenarios that increase car insurance cost and hopefully give you enough understanding to have a jump start in finding the best auto insurance in California.
One of the more important components that determine auto insurance rates is your address. More populated areas tend to have higher rates, whereas areas that tend to be more rural get the luxury of paying less.
The table below sorts the most expensive areas in California for veterans to purchase auto insurance in. Stockton is ranked at #9 with an annual cost of $1,588 for the average insured, which is approximately $132 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Fontana | $1,566 |
| 11 | Garden Grove | $1,554 |
| 12 | Moreno Valley | $1,551 |
| 13 | Modesto | $1,547 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,402 |
| 20 | Irvine | $1,384 |
| 21 | San Diego | $1,381 |
| 22 | Fremont | $1,361 |
| 23 | Oxnard | $1,358 |
| 24 | Bakersfield | $1,340 |
| 25 | Chula Vista | $1,337 |
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Prices are comparative as specific Stockton garaging address can alter coverage prices noticeably.
Comparing rates for reasonably-priced auto insurance is easier said than done, and deciding which companies quote the most affordable auto insurance rates for veterans calls for even more shopping around. Every car insurance company has a unique approach for determining prices, so we’ll take a look at the overall cheapest auto insurance companies in California.
It’s important that readers know that Stockton, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, buying a higher-value vehicle, or having an accident can produce rate changes that can now make some companies more affordable than competitors.
Find the Cheapest Auto Insurance for Vets
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the cheapest car insurance rates in Stockton at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Stockton, CA insurance companies.
As the rates illustrate above, if you currently have coverage with Nationwide and switched to Wawanesa, you may see yearly savings of upwards of $80. California drivers with 21st Century may save as much as $220 a year, and Grange policyholders might lower prices by up to $301 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or quote rates from the companies below.
Understand that those premium estimates are averaged for all drivers and vehicles in California and and are not figured with a specific vehicle garaging location for veterans. So the company that is best suited for you may not even be in the top 24 companies shown above. That emphasizes why you need to get quotes using your own specific driver information and vehicle.
Finding the right insurance provider can be rather challenging considering how many choices you have in California. The information below may help you choose which insurers to look at when buying insurance for veterans. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California are not included in this list.
Top 10 Major 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 illustrates how choosing a deductible can affect insurance prices when trying to find cheap insurance for veterans. The information is based on a married male driver, full physical damage coverage, and no discounts are applied.
A 30-year-old driver could save $408 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $618 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut $1,230 every year just by choosing higher deductibles when buying full coverage.
When increasing deductibles, it is essential to have spare funds to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
The benefit of shopping around
California auto insurance rates are calculated based on many things which can substantially decrease or increase the price you pay for coverage. Turning one year older, having a claim, or having an accident can trigger price changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but auto insurance companies amend pricing as often as every quarter in order to maintain liquidity for claims. Higher than normal claim frequency or severity may result in high rates, while lower claims may result in lower-priced Stockton car insurance rates.
For example, the data below shows the company with the cheapest car insurance in Stockton, CA for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. When quoting prices based on his current risk profile, USAA may have the lowest car insurance rates in Stockton at $1,337 per year. This is $314 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the rest of the cheapest Stockton, CA auto insurance companies.
The example below compares rates after we give the driver from above a couple of claims, poor credit, and a few traffic violations. Since each auto insurance company uses their own calculation for filing rates in each state, comparing quotes may now show a new list of cheap Stockton auto insurance companies as shown below.
Grange now has the lowest car insurance rate in Stockton, CA with Mercury, GEICO, Progressive, and Allstate also being competitive. This demonstrates why consumers need to take the time to take the time to shop around to find the most affordable insurance quotes for veterans.
Car insurance prices are calculated by many different factors and can change without notice, so the best option two years ago may now be quite expensive.