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.

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 quotes that Stockton residents have received for minimum coverage via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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 and comprehensive insurances, 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.

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.

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 regularly shopping around for the cheapest quotes. Check out the insurers that provide the cheapest quotes to mature drivers in Stockton, based on data from Jerry customers.

Cheapest car insurance for older drivers in Stockton (55+ years old)

Older drivers 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.

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.

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.

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 tickets, based on quotes for real Jerry customers.

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.

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.

MEET OUR EXPERTS

Xuyun Zeng

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 Millerbernd

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.