Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Stockton

Shop around with our 5 best picks for coverage in Stockton.

Stockton, California has a modest population of slightly over 300,000 residents. It’s known for fine art and museums – and high crime rates. Insurers are more likely to charge higher premiums for areas at risk for theft, so comparing insurance companies to find the lowest rate for your situation is key.

Aside from price, your lifestyle and needs can also determine which insurer you choose. Our car insurance experts break down the top five best car insurance companies for drivers in Stockton.

Best car insurance companies for Stockton drivers

  • Liberty Mutual: Best for customizable coverage
  • Metromile: Best for tech-savvy, low-mileage drivers
  • Mercury: Best for risky drivers
  • Geico: Best for drivers on a budget
  • Wawanesa: Best for safe drivers

Liberty Mutual is best for customizable coverage

PROMOTED

Liberty Mutual

Finder rating 4 / 5 ★★★★★

Get quotes
on Liberty Mutual's secure site

If you need coverage outside of state minimums, then Liberty Mutual may have the extras you crave. Purchase add-ons like roadside assistance, new car protection, lifetime repair guarantee, better car replacement, gap coverage and much more. Liberty Mutual also offers teacher auto insurance, which can cover vandalism, collision and school supplies stolen from your car.

The discount list Liberty Mutual offers is massive, too. Its offers include but aren't limited to the following discounts:

  • Hybrid or electric car
  • Good driver
  • Good student
  • Teen driver
  • Multivehicle
  • Autopay
  • Paperless
  • Telematics program

Liberty Mutual's telematics program is called RightTrack and you could earn up to a 30% discount on your premium if you're a safe driver by its standards.

Liberty Mutual is BBB accredited, sporting an A+ rating. However, customer ratings on Trustpilot are low at 1.3 stars, with many negative reviews citing problems contacting customer service over the phone and general issues with claims.

There are also many customer complaints with the National Association of Insurance Commissioners (NAIC), and poor customer ratings are common in the insurance industry. But keep in mind you may experience limited customer support with Liberty Mutual.

Metromile: Best for tech-savvy, low-mileage drivers

Metromile

Finder rating 4 / 5 ★★★★★

If your car is more for leisure than everyday living, then Metromile may be for you. This startup bases your rates on your mileage, also called pay-as-you-go car insurance. This insurer is best suited for drivers that drive less than 8,000 to 12,000 miles a year. And with Metromile, miles over 250 in one day are free, so the occasional trip won't cost you an arm and a leg.

Metromile's app is key: It tracks your daily mileage to determine your rates. If you get a quote with the Ride Along app and it's determined you're a safe driver, you could save money on your premiums. Metromile's Apple app has 4.7 stars, and a 4.1-star rating on the Google store site.

Since your rates are based on your mileage, Metromile doesn't offer the usual list of discounts other insurers typically have. However, it does offer to waive your deductible if you're in a collision with an uninsured driver or underinsured driver.

Metromile is newer than the other insurers on our list with only 10 years in the business. However, it's accredited by the BBB with an A+ rating. Since Metromile is new in the insurance game there are few customer ratings — but it holds a 3.8 rating on Trustpilot, which is high for the insurance industry.

Mercury: Best for risky drivers

Mercury

Finder rating 4 / 5 ★★★★★

It's not always easy to find coverage if your driving record is less than ideal. For drivers that need SR-22 support in California, have speeding tickets or other infractions, Mercury could be worth a shot. It's a small insurance company that doesn't offer online quotes or claims but has a network of independent agents that also handles customer service.

Mercury offers well-rounded coverage and free roadside assistance. Some common discounts offered include good driver, good student, telematics and paid-in-full policies.

Overall, ratings for Mercury's customer service are average with 3.0 stars on Trustpilot. The Better Business Bureau (BBB) gives Mercury an A- rating — the third-highest rating — meaning they could do better in resolving customer complaints. Mercury's 60 years' experience in the industry and an A rating with AM Best shows they have the funds to back claims.

Geico: Best for drivers on a budget

Geico

Finder rating 4 / 5 ★★★★★

Geico is well-known for its low rates. In California, a safe driver in their mid-thirties could get rates as low as $40 a month for basic coverage that meets California's minimum requirements. However, if you need gap insurance, Geico doesn't offer it.

Geico offers accident forgiveness, and has a generous discount list, including good student, safe driver, military, safe car, senior and more.

Geico also has its own telematics program called DriveEasy, which offers discounts based on your driving patterns. DriveEasy grades your braking, mileage and the time of day you typically drive.

Geico uses a highly-rated mobile app, earning 4.8 stars on both Apple and Google. Geico has a 3.0-star rating on Trustpilot — an average score that's still high compared to many other insurers. And while Geico isn't accredited, the BBB gave Geico an A+ rating. Considering both ratings, this insurer appears to do well in resolving customer complaints.

Wawanesa: Best for safe drivers

Wawanesa Mutual

Finder rating 3.5 / 5 ★★★★★

Wawanesa prefers drivers with clean records, and tends to have rock-bottom rates for the safest drivers as a result. It also offers a long list of discounts to further lower your monthly premium, and is a local provider if you prefer to support smaller businesses in Cali.

As a smaller company, Wawanesa only serves customers in California and Oregon. Despite its size, Wawanesa earned an award for its low rates, and accolades for its customer service two years in a row with J.D. Power.

Wawanesa has a 2.6-star rating on Trustpilot, which isn't great but is common in the insurance industry. It's known for a slower claims process, likely due to Wawanesa's small size. It's an accredited business with the BBB carrying an A+ rating from effectively resolving customer complaints and issues. Wawanesa doesn't offer any mobile apps, though.

How we chose these insurers

We chose these car insurers based on individual driver needs, coverage offered, average rates, customer reviews and ratings, mobile app features and claim processes. We also rely on ratings from AM Best, J.D. Power and the BBB plus NAIC data to determine our top picks.

State minimum car insurance requirements in Stockton, California

Nearly every state requires minimum liability coverage to keep your car on the road. If you don’t meet these minimum requirements, you may risk losing your vehicle’s registration, your license or both. California’s state minimum requirements are 15/30/5, which means you need:

  • $15,000 for bodily injuries to one person.
  • $30,000 for injuries to two or more people per accident.
  • $5,000 for property damage liability.

Comprehensive and collision coverage aren’t required in the state of California. However, if you’re financing your vehicle, your lender is probably going to require this coverage.

Finder tip: We recommend full-coverage for Stockton drivers

Many drivers want to simply meet their state’s minimum coverage requirements, but full coverage offers more protection. It costs more but offers coverage for unexpected events such as fire, theft, vehicle damage, animal strikes, storm damage and other unintentional events.

Stockton has a high crime rate, so comprehensive coverage can financially protect you from carjacking or vandalism. And if you’re a daily commuter that heavily relies on your car, collision coverage is a consideration, too.

Stockton has a high car theft rate

Insurance companies charge more if you live in a city notorious for vehicle theft because there’s a higher chance the company will have to pay to replace your vehicle. If you have comprehensive coverage and your car is stolen and never recovered, your insurer pays out the value of the vehicle at the time of theft. And if theft happens frequently where you live, you may face higher rates.

In Stockton, the car theft rate has been decreasing, but is still extraordinarily high. For reference, the national average theft rate in 2020 was 246 per 100,000 residents, reported by Statista. In 2020, Stockton’s theft rate was nearly double the national average according to the National Insurance Crime Bureau (NICB).

2018 Stockton car theft rate2019 Stockton car theft rate2020 Stockton car theft rate
569.58483.63438.95

It’s not a fun subject, but if you live in Stockton you may want to invest in a vehicle that has added security features. Comprehensive coverage may be worth the extra cash, too, especially if you rely on your car and don’t have extra money to replace your car unexpectedly.

Crime rates in Stockton

Big cities are no stranger to crime. Unfortunately, Stockton is a little too familiar. In addition to its high theft rate, Stockton experiences high crime rates in other areas as reported by the FBI in 2019.

California crimes rates in 2019

CityPopulationProperty crimeArson
Stockton313,60412,367128
San Jose1,040,00825,164135
Los Angeles4,015,54695,7041,672

While Stockton doesn’t experience enough crime to rival LA, its rates are high compared to its population. San Jose has a much larger population but Stockton sees almost as much crime. To protect you and your vehicle in high crime areas, comprehensive coverage could help protect you from property theft, vandalism and arson.

How to save on car insurance in Stockton

Many drivers are advised to apply for auto insurance when they have top-tier credit. However, California doesn’t allow insurers to base your rates on credit score or gender. Check out these other tips to save money on car insurance:

  • Take a defensive driving course for discounts.
  • Bundle your coverage (home, auto, renters, life).
  • Consider telematics if you’re a safe driver.
  • Have a safe car with antitheft devices.
  • Put all your cars on the same policy for a multivehicle discount.
  • Consider pay-as-you-go coverage if you’re a low-mileage driver.
  • Get quotes from local insurers.
  • Get online quotes for early sign-on discounts.
  • Pay in full instead of monthly installments.
  • Go green and use paperless billing for discounts.

Before you choose an insurer, ask what discounts it offers and see what you qualify for. Many other common discounts include military, teen driver, good driver and even good student – you’ll never know unless you ask.

Bonus California discounts

The state of California has its own state money-saving tactics to check out:

  • Good Driver discount. You could save 20% on car insurance if you qualify for California’s state-mandated Good Driver discount.
  • California’s green car tax rebate. If you have an ecofriendly vehicle, then you may be able to qualify for California’s Clean Vehicle Rebate Project and save up to $7,000.

Bottom line

Luck favors the prepared. Stockton, California has a high crime rate, so investing in extra coverage is worth considering.

Before you choose an insurer, be sure to compare multiple rates and choose one that fits your driving needs. Make a side-by-side car insurance comparison to narrow down your search for coverage.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site