Cheap Car Insurance in Stockton, CA

Written by Xuyun Zeng and 1 other
Updated Aug 1, 2025
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Cheap Car Insurance in Stockton, CA

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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 Quote
City, State
ZIP Code

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.

Find affordable car insurance in minutes.

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
$98 $1,171 National General 63 May 18, 2025 Stockton, CA 95202
$99 $1,192 Progressive 58 February 15, 2025 Stockton, CA 95203
$101 $1,211 National General 33 February 26, 2025 Stockton, CA 95207
$101 $1,218 Progressive 39 May 25, 2025 Stockton, CA 95210
$102 $1,227 National General 65 February 5, 2025 Stockton, CA 95207
$103 $1,242 Progressive 53 May 31, 2025 Stockton, CA 95205
$104 $1,247 National General 57 July 9, 2025 Stockton, CA 95205
$104 $1,251 Aspire Advantage 52 May 27, 2025 Stockton, CA 95207
Last Updated Jul, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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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
$68 $816 Aspire Advantage 29 No April 21, 2025 Stockton, CA 95205
Last Updated Jul, 2025

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 $540 Aspire Advantage 39 No July 6, 2025 Stockton, CA 95207
$45 $544 Aspire Advantage 42 No June 22, 2025 Stockton, CA 95207
$46 $553 National General 43 No July 5, 2025 Stockton, CA 95210
Last Updated Jul, 2025

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
$57 $679 Aspire Advantage 59 February 4, 2025 Stockton, CA 95205 No
$59 $706 Progressive 82 June 30, 2025 Stockton, CA 95215 No
Last Updated Jul, 2025

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 $540 Aspire Advantage 39 July 6, 2025 No Stockton, CA 95207
$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
Last Updated Jul, 2025

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
Last Updated Jul, 2025

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 $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
Speeding under 15 $61 $738 Aspire Advantage 33 January 1, 2025 Stockton, CA 95207
Last Updated Jul, 2025

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
Last Updated Aug 2, 2025

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
meet-experts-thumbnail
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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.