Life would sure be easier if we could just give you the name of the one best company that has the best insurance prices in California. Regrettably, it’s not quite that easy, as there are a lot of unknown factors like your date of birth, if you are a homeowner, if you have a tendency to get pulled over, and if you are married. We know insurance is not everyone’s favorite topic, but in this article we will cover the things that cause high insurance rates and also should give you a good start in finding the cheapest car insurance in California.
One of the many criteria that are used to help calculate auto insurance rates is where you call home in Stockton. Areas with high crime rates or more dense population tend to pay more, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.
The next table rates the most expensive places in California for low income drivers to buy auto insurance in. Stockton shows up at #10 with the annual price of $1,541 for the average policy, which is approximately $128 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,704 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Fontana | $1,581 |
| 9 | Santa Clarita | $1,580 |
| 10 | Stockton | $1,541 |
| 11 | Moreno Valley | $1,536 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Garden Grove | $1,524 |
| 15 | Santa Ana | $1,497 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,381 |
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Annual rates are comparative as specific Stockton zip code can revise rates greatly.
The vehicle model that is being insured is probably the most important factor when consumers are trying to find low-cost insurance for low income drivers. Vehicles with high performance engines, a lack of advanced safety features, or high incidents of liability claims will cost much more to insure than safer models. The information below illustrates auto insurance premiums for a selection of the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,111 |
| Hyundai Elantra SE Touring Station Wagon | $1,204 |
| Ford Escape XLS 4WD | $1,216 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,218 |
| Chevrolet Equinox LS AWD | $1,311 |
| Nissan Altima 2.5 4-Dr Sedan | $1,318 |
| Ford Explorer Eddie Bauer 4WD | $1,337 |
| Toyota Tacoma Double Cab 4WD | $1,343 |
| Toyota Prius | $1,351 |
| Ford F-150 XL Super Cab 4WD | $1,361 |
| Ford Fusion Sport 4-Dr Sedan | $1,408 |
| Chevrolet Malibu LTZ | $1,417 |
| Toyota RAV4 2WD | $1,439 |
| Ford Edge SE AWD | $1,448 |
| Honda Civic GX 4-Dr Sedan | $1,453 |
| Dodge Grand Caravan Crew | $1,467 |
| Honda Accord LX-S 2-Dr Coupe | $1,477 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific location which can raise or lower rates noticeably.
By looking at the data, models like the Honda CR-V, Hyundai Elantra, Ford Escape, and Jeep Wrangler are most likely going to be the less-costly vehicles to insure for poor drivers.
The illustration below illustrates how choosing a deductible can change insurance rates when researching cheap insurance for low income drivers. The costs are based on a married male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 50-year-old driver could pocket $416 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $626 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could save as much as $1,398 each year just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is important to have emergency funds available to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Buying coverage from the right car insurance provider is difficult considering how many companies sell insurance in California. The company information shown next could help you decide which auto insurers to look at comparing rates with. These ratings include large insurance companies, so smaller companies are not included in this list.
Top 10 Large Car Insurance Companies in Stockton Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
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+
The agencies below are a good start to answer your questions and help you decide which policy fits your needs best, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for poor drivers. It’s not always simple to find the best coverage yourself, and getting advice from a licensed agent can bring satisfaction knowing your policy gives you enough coverage when you need it.
To find a Stockton insurance agent near you, click the button at the bottom or click here to compare rates now.
- Farmers Insurance – Arnold Respicio
2333 W March Ln, Ste C1 – Stockton, CA 95207 – (209) 951-7739 - Raj Insurance Services
1743 Grand Canal Blvd #12 – Stockton, CA 95207 – (209) 472-2060 - Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1 – Stockton, CA 95209 – (209) 472-8585 - Farmers Insurance – Ryan Turner
4560 N Pershing Ave b – Stockton, CA 95207 – (209) 957-1100 - Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465
View more Stockton, CA insurance agents
How to find low-cost insurance for low income drivers
It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help drivers get cheap car insurance.
- Having at-fault accidents will increase rates
- Don’t waste money on full coverage for older vehicles
- Buy a vehicle with excellent safety ratings
- Good credit can mean cheaper rates
- Bundle home and auto and save
- Compare rate quotes often
The last item on the list is certainly important, as was noted in the article above. Car insurance rates adjust often, so don’t be hesitant to switch carriers if a lower price can be found. Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty ends up costing a lot of money every month. If you have a few minutes, compare prices to find cheaper auto insurance for low income drivers in Stockton.