Figuring out which company offers the cheapest insurance rates for welfare recipients will require a little more work than just picking a company at random.
Each auto insurer has their own process for setting rates, so let’s take a look at the overall cheapest insurance companies in Stockton, CA. It’s important to understand that Stockton insurance rates are impacted by many factors that can increase the cost of coverage. Simply improving your credit, increasing deductibles, or getting a ticket for careless driving can trigger changes in premium that can now make some companies affordable when they were higher priced.
Find Cheaper Car Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
| Find Cheaper Rates Go | ||
USAA may have some of the best car insurance rates in Stockton at around $1,143 annually. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheapest Stockton, CA auto insurance companies.
As depicted above, if you are a policyholder with CSAA and switched to USAA, you could realize yearly savings of in the neighborhood of $55. Customers with Nationwide could save as much as $83 a year, and Century National policyholders might lower prices by up to $83 a year.
To find the cheapest coverage for you, click here to start your custom quote or click several companies below for low rates.
It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact location for welfare recipients. So the company that is best suited for you may not even be in the list above. That point stresses why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The vehicle that is being insured is probably the largest consideration that determines whether or not you find affordable insurance for welfare recipients. Vehicles with limited speed and performance, modern passenger safety features, or a track record of few liability claims will cost much less to insure than higher performance models. The data below estimates car insurance prices for a number of the cheapest automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,201 |
| Ford Escape Limited 2WD | $1,233 |
| Toyota Tacoma 2WD | $1,241 |
| Toyota RAV4 Sport 4WD | $1,259 |
| Toyota Prius | $1,294 |
| Ford F-150 XL Crew Cab 2WD | $1,301 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,310 |
| Toyota Camry SE | $1,326 |
| Honda Odyssey EX-L W/Navigation | $1,336 |
| Ford Edge SE AWD | $1,349 |
| Ford Fusion SEL 4-Dr Sedan | $1,359 |
| GMC Sierra SLE Crew Cab 4WD | $1,349 |
| Chevrolet Silverado LT Regular Cab | $1,357 |
| Ford Explorer XLT 2WD | $1,352 |
| Chevrolet Equinox LT AWD | $1,377 |
| Chevrolet Impala LS | $1,384 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,386 |
| Compare Cheap Rates Go | |
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in Stockton, CA location which can alter price quotes greatly.
Based upon these rates, you can see that vehicles like the Honda CR-V, Ford Escape, Toyota Tacoma, Toyota RAV4, and Toyota Prius should be the cheapest vehicles to insure for drivers on welfare.
Buying coverage from the highest-rated auto insurance company can be rather challenging considering how many companies there are in California. The company ratings in the lists below may help you select which car insurance companies to look at when looking for cheaper rates.
These rankings are only comprised of the largest auto insurers in America, so companies that have a smaller presence will not be included in these rankings. If you’d like to compare prices and find the cheapest rates for welfare recipients, 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discount Stockton car insurance
Auto insurance companies that provide coverage for welfare recipients could also offer rate discounts that could potentially reduce rates by 25% or more if you meet the requirements. Popular insurance companies and a selection of discounts can be read below.
- GEICO offers discounts for multi-policy, good student, federal employee, seat belt use, five-year accident-free, air bags, and military active duty.
- SAFECO has discounts for multi-car, teen safe driver, drive less, teen safety rewards, homeowner, safe driver, and bundle discounts.
- State Farm discounts include driver’s education, good student, accident-free, safe vehicle, multiple autos, multiple policy, and anti-theft.
- MetLife includes discounts for accident-free, good student, good driver, claim-free, defensive driver, and multi-policy.
- 21st Century offers premium reductions for theft prevention, 55 and older, defensive driver, good student, and student driver.
- Progressive may have discounts that include online quote discount, multi-vehicle, multi-policy, continuous coverage, online signing, and good student.
The information below illustrates the difference between insurance premiums with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, multiple policy, accident-free, passive restraint, and claim-free discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for welfare recipients is 28% or $893.
The importance of shopping around
Stockton, CA insurance rates are based on many factors which can substantially decrease or increase the policy price. Simply turning a year older, getting divorced, or getting a driving violation can cause premium changes that can now make some companies cheaper than others.
In addition, car insurance companies change premium rates multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can result in higher prices, while profitable underwriting may result in cheaper Stockton car insurance rates.
To help illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Stockton, CA for a 35-year-old female driver with a clean driving record, no accidents, and solid credit. When quoting prices based on her current risk factors, USAA offers the best car insurance rates in Stockton at $1,288 annually. This is $363 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a chargeable accident, a little lower credit rating, and an imperfect driving record. Because each company has their own process to establish rates, comparing quotes may now present a significantly different list of companies as shown below.
Grange now has the best car insurance rate in Stockton with Mercury, Allstate, Progressive, and GEICO now rounding out the top five. This shows why it is critical to shop around when trying to find the best auto insurance quotes for welfare recipients.
Prices are made up of many risk factors and change frequently, so the cheapest rate when you last compared rates may now be costing you a lot of money.
How to find budget-friendly insurance for welfare recipients
Here are some of the better money-saving ideas that can help drivers get cheap car insurance.
- Drive vehicles with five-star safety ratings
- Accidents can significantly increase rates
- Raise your deductibles
- Good credit can save money
- Violations like speeding or DUI increase rates
- Full coverage is expensive so only insure older vehicles for liability only
- Shop around once a year for cheaper rates
The last item on the list is especially crucial, as we discussed in this article. Prices charged by auto insurers can change in a short period of time, so you should be ready to buy from a new company if a cheaper rate is available. Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. It only take a few minutes to shop around and find cheaper car insurance for welfare recipients in Stockton.