The car, truck, or SUV you are insuring is a large factor in finding cheaper insurance for drivers with a DUI. Vehicles with limited speed and performance, a great safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The information below presents coverage costs for a handful of the cheaper vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,640 |
| Honda Accord LX-P 4-Dr Sedan | $1,649 |
| Ford Escape XLT 4WD | $1,678 |
| Ford F-150 XL Crew Cab 2WD | $1,715 |
| Dodge Grand Caravan SE | $1,721 |
| Hyundai Elantra SE Touring Station Wagon | $1,788 |
| Chevrolet Impala LT | $1,816 |
| Honda Odyssey LX | $1,841 |
| Toyota Prius | $1,863 |
| Toyota Camry SE | $1,919 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,935 |
| Toyota RAV4 4WD | $1,940 |
| Ford Edge SE AWD | $1,942 |
| Nissan Rogue S AWD | $1,948 |
| GMC Sierra SLT Extended Cab 2WD | $1,954 |
| Ford Explorer Limited 2WD | $1,977 |
| Chevrolet Equinox LS 2WD | $1,984 |
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Above prices assume single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location which can raise or lower coverage rates substantially.
Based upon the rates shown, makes and models like the Honda CR-V, Honda Accord, and Ford Escape should be a few of the less-costly vehicles to insure after getting a DUI. The price for an auto insurance policy will tend to be more expensive anyway because there is more exposure for drivers with a DUI, but overall those makes and models will most likely have the lowest insurance prices available.
After getting a DUI, one of the largest criteria that help determine the amount you pay each year for auto insurance is where you call home in Stockton. Larger areas are more likely to pay higher prices, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The table below ranks the highest-priced areas in California for drivers with a DUI to buy an auto insurance policy in. Stockton ranks #9 with an annual cost of $1,556 for the average policy, which is about $130 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Fontana | $1,581 |
| 9 | Stockton | $1,556 |
| 10 | Modesto | $1,547 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Fresno | $1,517 |
| 14 | Garden Grove | $1,508 |
| 15 | Moreno Valley | $1,491 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,361 |
| 20 | Huntington Beach | $1,360 |
| 21 | Irvine | $1,343 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,304 |
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Annual rates are comparative as specific Stockton zip code can alter coverage prices significantly.
Finding a high-quality company can be difficult considering how many different companies there are to choose from in Stockton. The company ratings below may help you pick which car insurance providers you want to consider when shopping around.
These ratings are only comprised of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for this list. To compare rates from these and other top-rated companies, just click here.
Top 10 Large Car Insurance Companies in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Careless driving habits raise car insurance rates
In a perfect world, the ideal way to obtain good car insurance rates in Stockton after getting a DUI is to be a safe driver and have a clean driving record. The information below highlights how speeding tickets and accidents influence insurance costs for different categories of driver ages. Data assumes a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of an auto insurance policy in Stockton per year with a clean driving record and no accidents is $2,199. Get written up for one speeding ticket and the average cost jumps to $2,493, an increase of $294 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with a DUI goes up to an average of $3,311. That’s an increase of $1,112, or $93 per month, just for not paying attention while driving!
The benefits of price comparisons
Stockton, CA car insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply having another birthday, marrying your spouse, or getting into an accident can trigger changes in premium that may make certain companies cheaper than others. Not only may your risk profile change, but insurance companies file new California auto insurance rates multiple times each year in order to offset underwriting gains or losses. Significantly higher claims can result in additional price hikes, while lower claim expenses can result in more affordable Stockton car insurance rates.
To illustrate this example, the data below shows which company has the cheapest car insurance in Stockton, CA for a 40-year-old female driver with a good driving record, no prior claims, and solid credit. Based on her current risk factors, USAA might offer the cheapest car insurance rates in Stockton at $1,338 annually. This is $313 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the most affordable Stockton, CA auto insurance companies.
Now we will pretend the driver in the first example an at-fault accident, a little lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company has a unique approach to establish rates, comparing quotes may now show a significantly different list of affordable Stockton car insurance companies as shown below.
Grange now has the best auto insurance rate in Stockton, CA with Progressive, Allstate, Mercury, and Allied also being competitive. This example shows why it is crucial to perform a complete rate comparison to get affordable insurance quotes for drivers with a DUI. Car insurance prices can be altered by many risk factors and can change substantially, so the cheapest option two years ago may now be costing you a lot of money.