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.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $79 | $944 | Progressive | 46 | March 14, 2025 | Stockton, CA | 95204 |
| $85 | $1,015 | Aspire Advantage | 43 | May 28, 2025 | Stockton, CA | 95204 |
| $94 | $1,124 | ROOT | 17 | August 2, 2025 | Stockton, CA | 95204 |
| $97 | $1,162 | Mercury | 48 | August 12, 2025 | Stockton, CA | 95207 |
| $98 | $1,171 | National General | 63 | May 18, 2025 | Stockton, CA | 95202 |
| $101 | $1,211 | National General | 33 | February 26, 2025 | Stockton, CA | 95207 |
| $101 | $1,218 | Progressive | 39 | May 25, 2025 | Stockton, CA | 95210 |
| $102 | $1,223 | Geico | 63 | August 12, 2025 | Stockton, CA | 95210 |
| $103 | $1,242 | Progressive | 53 | May 31, 2025 | Stockton, CA | 95205 |
| $104 | $1,247 | National General | 57 | July 9, 2025 | Stockton, CA | 95205 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $463 | Aspire Advantage | 27 | No | July 23, 2025 | Stockton, CA | 95219 |
| $57 | $686 | ROOT | 21 | No | April 18, 2025 | Stockton, CA | 95212 |
| $61 | $732 | Aspire Advantage | 25 | No | April 21, 2025 | Stockton, CA | 95204 |
| $64 | $762 | ROOT | 27 | No | May 22, 2025 | Stockton, CA | 95204 |
| $67 | $799 | National General | 27 | No | August 14, 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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $43 | $514 | Aspire Advantage | 42 | No | June 21, 2025 | Stockton, CA | 95204 |
| $45 | $540 | Mercury | 37 | No | July 12, 2025 | Stockton, CA | 95204 |
| $45 | $544 | Aspire Advantage | 42 | No | June 22, 2025 | Stockton, CA | 95207 |
| $46 | $553 | National General | 43 | No | July 5, 2025 | Stockton, CA | 95210 |
| $47 | $560 | Aspire Advantage | 34 | No | April 10, 2025 | Stockton, CA | 95207 |
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 Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $49 | $586 | Aspire Advantage | 66 | February 26, 2025 | Stockton, CA | 95207 | No |
| $51 | $607 | National General | 67 | June 30, 2025 | Stockton, CA | 95202 | No |
| $56 | $670 | Geico | 57 | May 8, 2025 | Stockton, CA | 95207 | No |
| $59 | $706 | Progressive | 82 | June 30, 2025 | Stockton, CA | 95215 | No |
| $61 | $729 | Dairyland | 63 | August 12, 2025 | Stockton, CA | 95210 | 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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $463 | Aspire Advantage | 27 | July 23, 2025 | No | Stockton, CA | 95219 |
| $43 | $514 | Aspire Advantage | 42 | June 21, 2025 | No | Stockton, CA | 95204 |
| $45 | $540 | Mercury | 37 | July 12, 2025 | No | Stockton, CA | 95204 |
| $45 | $544 | Aspire Advantage | 42 | June 22, 2025 | No | Stockton, CA | 95207 |
| $46 | $553 | National General | 43 | July 5, 2025 | No | Stockton, CA | 95210 |
| $47 | $560 | Aspire Advantage | 34 | April 10, 2025 | No | Stockton, CA | 95207 |
| $47 | $569 | National General | 43 | July 13, 2025 | No | Stockton, CA | 95206 |
| $48 | $576 | Aspire Advantage | 32 | July 7, 2025 | No | Stockton, CA | 95209 |
| $48 | $582 | Progressive | 53 | May 12, 2025 | No | Stockton, CA | 95215 |
| $49 | $582 | Aspire Advantage | 35 | May 13, 2025 | No | Stockton, CA | 95210 |
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 | $52 | $622 | Aspire Advantage | 40 | No | June 26, 2024 | Stockton, CA | 95202 |
| At Fault With No Injury | $57 | $688 | Aspire Advantage | 48 | No | May 31, 2024 | Stockton, CA | 95219 |
| At Fault With Injury | $57 | $688 | Progressive | 27 | No | April 5, 2025 | Stockton, CA | 95215 |
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 | $597 | National General | 34 | July 30, 2025 | Stockton, CA | 95215 |
| Speeding under 15 | $52 | $622 | Aspire Advantage | 40 | June 26, 2024 | Stockton, CA | 95202 |
| Speeding under 15 | $53 | $641 | Aspire Advantage | 36 | July 22, 2024 | Stockton, CA | 95203 |
| Speeding under 15 | $57 | $688 | Aspire Advantage | 48 | May 31, 2024 | Stockton, CA | 95219 |
| Speeding under 15 | $58 | $701 | National General | 30 | December 11, 2024 | Stockton, CA | 95206 |
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 | $49 | $583 | National General | 36 | December 12, 2024 | Stockton, CA | 95206 |
| DUI | $64 | $771 | National General | 54 | April 6, 2025 | Stockton, CA | 95206 |
| DUI | $76 | $908 | Aspire Advantage | 42 | January 27, 2025 | Stockton, CA | 95204 |
| DUI | $77 | $920 | Progressive | 31 | April 17, 2025 | Stockton, CA | 95209 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
