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Stockton Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $660 less every year
San Joaquin Valley Elevation 13 ft Population Pop. 322,000
$2,240
Avg. Full Coverage
12%
Below State Avg
32min
Avg. Commute
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$2,240 Avg. Annual Full Coverage
$187 Monthly Premium (Clean Record)
12% Below CA Average
$93 Monthly Liability Only
32 min Average Commute Time
Excellent News for Stockton Residents!
Stockton's auto insurance rates are 12% below CA average of $2,532/year. With comprehensive coverage averaging just $2,240 annually, you're saving $292/year compared to the typical CA driver.

Stockton Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $292/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low

Tule fog, heat, flooding. Annual rainfall 16 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 16 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Tule fog pileup

Coverage: Collision

Flooded underpass

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog

Wildfire Season

  • Avoid flooded March Ln
Data Sources: NOAA, San Joaquin OES

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Accident Risk Analysis

Very High Risk Level — At-fault accident rate...

I-5 and urban. At-fault rate 15.2%.

Key Statistics

At-Fault Rate (Stockton) 15.2%
National Average 12%
Commuter-Related Crashes 52%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $93
Monthly Full Coverage (Clean) $187
Annual Full Coverage $2,240
Savings vs. CA Average 12% lower

Common Accident Types

Rear-end on I-5

Intersection at Pacific & March

Port truck merge

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-5 & March Ln

CA-99 & Wilson Way

CA-4 & Pershing Ave

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Very High Risk Level — Motor vehicle theft rate...

Very High. Theft 5.5 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 5.5 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 28.5 per 1,000
Burglary Rate 820 per 100,000
Violent Crime Rate 7.8 per 1,000
Theft Increase (2023-2025) +22%

Most Stolen Vehicles in Stockton

  1. Honda Civic
  2. Toyota Camry
  3. Chevy Silverado
  4. Kia Optima

High Theft Zones

Exercise Extra Caution in These Areas:

Port of Stockton

Downtown garages

Warehouse districts

Recommended Anti-Theft Measures

Secure parking

GPS + alarm

Data Sources: Stockton PD 2024

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Seasonal Driving Risks in Stockton

❄️

Winter

Fog, flood

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Stockton

Claim Distribution

Comprehensive32%
Collision60%
Liability8%

Average Payouts

Comprehensive$5,400
Collision$7,200

Notable Trends

Smoke Damage Claims +120% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasYes
Speed CamerasNo
Source: CA DMV

Stockton Location & Geography

Major inland port city. Delta waterways, agriculture, and logistics hub.

City
Stockton
State
CA (CA)
ZIP Codes
95202, 95203, 95204, 95205, 95206, 95207, 95209, 95210, 95212, 95215, 95219
County
San Joaquin County
Region
San Joaquin Valley
Population
322,000
Growth Rate (2020-2025)
1.9%
Land Area
64.8 sq miles
Population Density
4,970 per sq mi
Elevation
13 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Stockton-Lodi, CA MSA

Major Roadways

I-5

CA-99

CA-4

March Ln

Pacific Ave

Pershing Ave

Insurance Cost Comparison

Coverage Type Stockton Average California Average National Average Your Savings
Full Coverage $2,240/year $2,532/year $2,030/year 12% lower

Demographics & Driving Behavior

Median age 34. 26% drivers 16–24. DUI 3.5 per 1,000.

Age Demographics

Median Age (Stockton) 34
U.S. Median Age 38.8
Drivers Aged 16-24 26%

DUI & Violations

DUI Rate (Stockton) 3.5 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +30%
At-Fault Accident +50%

Frequently Asked Questions

Credit in Stockton?
No. CA bans credit.
Comprehensive needed?
Yes — critical for fog and theft.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, Mercury.

Expert Recommendations for Stockton Drivers

Coverage & Savings Tips

  • Get your Stockton quote now.
  • Bundle auto + renters for 20% savings.
  • Add comprehensive for fog and theft.
  • High mileage plans for commuters.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 35% off.

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Overall Risk Assessment

Very High overall; 12% below CA average due to lower base rates. Elevated by fog, theft, and traffic. Annual full coverage $2,240.

Last Updated: 2025-11-07