According to California’s Office of Traffic Safety, Stockton ranked first among 15 similarly-sized cities in terms of speed-related crashes in 2022, the most recent year for which data is available on the agency’s website. In a city where there may be a high risk of accidents, robust car insurance can help protect your finances.
We’ve gathered real quote data from Jerry customers in Stockton to show you how factors like your age and location can affect your expected car insurance rate.
More: Best car insurance in California
Cheapest minimum coverage insurance in Stockton
California requires drivers to carry these minimum amounts of coverage:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are the cheapest car insurance quotes that Stockton residents have received for minimum coverage via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $433 | Aspire Advantage | 55 | October 25, 2024 | Stockton, CA | 95202 |
| $43 | $518 | National General | 48 | December 19, 2024 | Stockton, CA | 95210 |
| $43 | $520 | Aspire Advantage | 56 | January 26, 2024 | Stockton, CA | 95204 |
| $44 | $534 | National General | 48 | December 22, 2024 | Stockton, CA | 95210 |
| $45 | $541 | National General | 34 | October 11, 2024 | Stockton, CA | 95204 |
| $45 | $544 | Aspire Advantage | 40 | September 13, 2024 | Stockton, CA | 95204 |
| $45 | $546 | National General | 37 | December 30, 2024 | Stockton, CA | 95204 |
| $46 | $550 | Aspire Advantage | 47 | April 28, 2024 | Stockton, CA | 95209 |
| $47 | $566 | Aspire Advantage | 41 | December 9, 2024 | Stockton, CA | 95204 |
| $47 | $570 | National General | 33 | December 23, 2024 | Stockton, CA | 95212 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in California
Cheapest full coverage insurance in Stockton
Stockton has a relatively mild climate, but the area’s occasional storms and floods can damage your vehicle. In these instances, California’s minimum insurance coverage may not protect your finances.
However, full coverage, which combines collision coverage and comprehensive insurance, can help pay for repairs if a weather-related disaster strikes. These are the cheapest quotes for full coverage insurance in Stockton, based on quotes from real Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $71 | $850 | Progressive | 55 | May 21, 2025 | Stockton, CA | 95209 |
| $71 | $852 | National General | 39 | May 2, 2025 | Stockton, CA | 95207 |
| $74 | $890 | National General | 63 | January 11, 2025 | Stockton, CA | 95203 |
| $76 | $915 | National General | 33 | February 2, 2025 | Stockton, CA | 95210 |
| $78 | $937 | National General | 67 | October 17, 2024 | Stockton, CA | 95205 |
| $82 | $986 | National General | 38 | February 26, 2025 | Stockton, CA | 95204 |
| $83 | $995 | Dairyland | 30 | September 27, 2024 | Stockton, CA | 95207 |
| $85 | $1,022 | Aspire Advantage | 47 | March 29, 2025 | Stockton, CA | 95206 |
| $87 | $1,044 | Progressive | 28 | March 3, 2025 | Stockton, CA | 95210 |
| $87 | $1,050 | Progressive | 40 | April 20, 2025 | Stockton, CA | 95209 |
More: Best car insurance companies
Cheapest car insurance for young drivers in Stockton (18-29 years old)
Insurers often charge high rates to young drivers because they view their lack of experience on the road as a risk. This means you may have to do a little extra rate shopping to find a low-cost policy. Check out the cheapest quotes that Stockton drivers from 18 to 29 years old have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $528 | Aspire Advantage | 27 | No | June 4, 2025 | Stockton, CA | 95204 |
| $46 | $554 | Progressive | 29 | No | March 12, 2025 | Stockton, CA | 95206 |
| $50 | $603 | National General | 29 | No | May 28, 2025 | Stockton, CA | 95219 |
| $55 | $657 | National General | 28 | No | April 1, 2025 | Stockton, CA | 95207 |
| $59 | $703 | Aspire Advantage | 28 | No | June 10, 2025 | Stockton, CA | 95207 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Stockton (30-54 years old)
Drivers between 30 and 54 years old typically see rates lower as they get older. This is a good time to begin shopping for car insurance to find the cheapest quotes. Check out the insurers that provide the cheapest quotes to mature drivers in Stockton, based on data from Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $43 | $518 | National General | 48 | No | December 19, 2024 | Stockton, CA | 95210 |
| $43 | $519 | National General | 53 | No | May 12, 2025 | Stockton, CA | 95215 |
| $43 | $521 | National General | 52 | No | June 1, 2025 | Stockton, CA | 95206 |
| $44 | $530 | Aspire Advantage | 54 | No | June 7, 2025 | Stockton, CA | 95204 |
| $44 | $534 | National General | 48 | No | December 22, 2024 | Stockton, CA | 95210 |
Cheapest car insurance for older drivers in Stockton (55+ years old)
Seniors who have racked up more driving experience generally pay some of the lowest car insurance rates. However, insurance costs may tick up again as drivers reach their 70s. Here are the cheapest quotes for Stocktonians who are 55 and older, based on quotes for real Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $31 | $370 | Progressive | 61 | June 15, 2025 | Stockton, CA | 95210 | No |
| $36 | $433 | Aspire Advantage | 55 | October 25, 2024 | Stockton, CA | 95202 | No |
| $42 | $510 | Progressive | 75 | May 30, 2025 | Stockton, CA | 95207 | No |
| $43 | $520 | Aspire Advantage | 56 | January 26, 2024 | Stockton, CA | 95204 | No |
| $44 | $524 | National General | 55 | April 18, 2025 | Stockton, CA | 95207 | No |
Cheapest car insurance for drivers with clean records in Stockton
A clean driving record helps to keep your car insurance costs as low as possible. Here are the cheapest rates for drivers in Stockton with clean records, based on Jerry data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $433 | Aspire Advantage | 55 | October 25, 2024 | No | Stockton, CA | 95202 |
| $42 | $510 | Progressive | 75 | May 30, 2025 | No | Stockton, CA | 95207 |
| $43 | $518 | National General | 48 | December 19, 2024 | No | Stockton, CA | 95210 |
| $43 | $519 | National General | 53 | May 12, 2025 | No | Stockton, CA | 95215 |
| $43 | $520 | Aspire Advantage | 56 | January 26, 2024 | No | Stockton, CA | 95204 |
| $43 | $521 | National General | 52 | June 1, 2025 | No | Stockton, CA | 95206 |
| $44 | $524 | National General | 55 | April 18, 2025 | No | Stockton, CA | 95207 |
| $44 | $528 | Aspire Advantage | 27 | June 4, 2025 | No | Stockton, CA | 95204 |
| $45 | $541 | National General | 34 | October 11, 2024 | No | Stockton, CA | 95204 |
| $45 | $544 | Aspire Advantage | 40 | September 13, 2024 | No | Stockton, CA | 95204 |
Cheapest car insurance for drivers with at-fault accidents in Stockton
An accident often causes your premium to rise, but insurers may weigh the accident differently, so it’s wise to shop around in search of savings. Check out the cheapest quotes for Stocktonians with at-fault accidents on their records, based on real Jerry customer data.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $46 | $557 | National General | 49 | No | May 8, 2025 | Stockton, CA | 95205 |
| At Fault With Injury | $47 | $566 | Progressive | 54 | No | April 8, 2025 | Stockton, CA | 95210 |
| At Fault With Injury | $47 | $570 | National General | 33 | No | December 23, 2024 | Stockton, CA | 95212 |
| At Fault With No Injury | $52 | $622 | Aspire Advantage | 40 | No | June 26, 2024 | Stockton, CA | 95202 |
| At Fault With Injury | $54 | $648 | National General | 36 | No | May 22, 2025 | Stockton, CA | 95204 |
Cheapest car insurance for drivers with speeding tickets in Stockton
Speeding will not only result in a ticket, it will also increase the cost of insurance. Since insurers rate speeding tickets differently, drivers who have been cited for speeding may find better rates with a new provider. Check out the cheapest quotes for drivers in Stockton with speeding citations, based on quotes for real Jerry customers.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $50 | $605 | National General | 43 | October 23, 2024 | Stockton, CA | 95204 |
| Speeding under 15 | $53 | $641 | Aspire Advantage | 36 | July 22, 2024 | Stockton, CA | 95203 |
| Speeding under 15 | $55 | $665 | National General | 40 | April 21, 2025 | Stockton, CA | 95204 |
| Speeding under 15 | $59 | $704 | Aspire Advantage | 32 | April 14, 2024 | Stockton, CA | 95210 |
| Speeding under 15 | $64 | $773 | National General | 24 | December 5, 2024 | Stockton, CA | 95204 |
Cheapest car insurance for drivers with DUIs in Stockton
Drivers with DUIs are likely to pay high premiums and, in some cases, may struggle to find coverage. The best way to potentially lower your costs is to rate shop with multiple insurers. Check out the cheapest insurance companies for Stocktonians with DUIs, based on real Jerry data.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $44 | $534 | National General | 48 | December 22, 2024 | Stockton, CA | 95210 |
| DUI | $54 | $652 | Aspire Advantage | 36 | December 12, 2024 | Stockton, CA | 95206 |
| DUI | $66 | $790 | National General | 32 | June 3, 2025 | Stockton, CA | 95210 |
| DUI | $68 | $814 | Aspire Advantage | 49 | April 29, 2024 | Stockton, CA | 95206 |
| DUI | $75 | $896 | Aspire Advantage | 54 | April 6, 2025 | Stockton, CA | 95206 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
