Best & Cheapest Homeowners Insurance in Stockton, CA December, 2024
In Stockton, State Farm provides the least expensive home insurance, averaging $1,483 per year.
We’ve saved shoppers an average of $450 per year on their home insurance.
Following a detailed review of home insurance options in Stockton, California, our findings reveal that State Farm offers the most budget-friendly option, with an average annual premium of $1,483. However, it’s essential to consider that the optimal insurer can vary based on your individual circumstances.
For example, if you own an older home, State Farm presents competitive rates at $1,507 per year, coupled with comprehensive coverage. Conversely, for newly constructed homes, Allstate provides the most cost-effective solution at $1,042 annually.
For policyholders with a track record of filing claims, USAA emerges as an affordable and accommodating choice at $1,562 per year. Additionally, if you possess a considerable amount of personal property requiring coverage, State Farm stands out as the preferred option, offering extensive protection at a reasonable rate of $1,541 per year.
At Insuranceopedia, our thorough analysis aims to assist you in finding the perfect home insurance coverage. Through comparisons of customer ratings, evaluations of personal experiences, and the provision of comparison charts, we strive to equip you with all the necessary information to make a well-informed decision.
How much is homeowners insurance in Stockton, CA?
In Stockton, State Farm offers the most affordable homeowners insurance, with an average annual cost of $1,483.
The homeowners insurance rates in Stockton are slightly higher than the national average but are lower than the average rates in the state of California.
| Area | Average Monthly Rate |
| National | $1,820 |
| California | $2,008 |
| Stockton | $1,916 |
Insurance rates can fluctuate significantly due to various factors, so it’s crucial to keep in mind that they are not fixed or static.
Cheapest Homeowners Insurance in Stockton, CA, 2024
Our Methodology
To identify the most cost-effective home insurance rates in Stockton, we compiled data from several home insurance review websites. Some of these sources assessed rates sourced from public filings via Quadrant Information Services. In this assessment, we calculated an average of those rates. However, it's essential to recognize that each company's rates can vary frequently and are contingent on individual circumstances. Furthermore, the overall rating reflects my subjective judgment, drawing from fifteen years of experience as a licensed insurance agent and over three decades of acquiring home insurance.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest homeowners insurance in Stockton, CA
State Farm is the top pick for affordable homeowners insurance in Stockton, California, with an average yearly rate of $1,483.
| Company | Annual Premium |
| State Farm | $1,483 |
| Travelers | $1,562 |
| Nationwide | $1,723 |
| Universal North America | $1,889 |
| Chubb | $2,680 |
Several factors influence the cost of your insurance policy, including where you live, your home’s value, and your claims history. State Farm offers a balanced mix of affordability and comprehensive coverage.
Cheapest Homeowners Insurance If You Have an Older Home
State Farm presents the most cost-effective choice for owners of older homes, with an average annual rate of $1,507.
| Insurance Company | Average Annual Premium |
| State Farm | $1,507 |
| Farmers | $1,670 |
| USAA | $1,910 |
| Chubb | $2,127 |
Historic homes often have unique challenges and maintenance needs that can result in higher insurance expenses. Nevertheless, State Farm provides affordable rates and comprehensive protection customized to address the specific requirements of older homes.
Cheapest Homeowners Insurance for Newly Constructed Homes
Allstate is the standout choice for homeowners who take pride in their newly built houses, offering an average yearly rate of $1,042, making it the most cost-effective option.
| Insurance Company | Average Annual Premium |
| Allstate | $1,042 |
| State Farm | $1,137 |
| Nationwide | $1,298 |
| USAA | $1,421 |
| AIG | $2,042 |
Newly built houses often need specific insurance coverage different from older homes, and Allstate is recognized for providing budget-friendly policies designed to address these distinct requirements.
Cheapest Home Insurance for a History of Claims
Homeowners who have filed claims in the past can discover a cost-effective choice with USAA, which provides an average annual rate of $1,562.
| Insurance Company | Average Annual Premium |
| USAA | $1,562 |
| Farmers | $2,703 |
| Nationwide | $2,878 |
| AIG | $3,660 |
| Chubb | $4,124 |
Insurers often raise premiums for individuals with a history of claims due to the perceived risk. However, USAA believes in offering second chances and provides fair rates for individuals with past claims.
Cheapest Home Insurance Rates for Lots of Personal Property
For those who own a considerable amount of personal property, State Farm provides the most economical choice, offering an average annual rate of $1,541.
| Insurance Company | Average Annual Premium |
| State Farm | $1,541 |
| USAA | $1,690 |
| Nationwide | $2,139 |
| Universal North America | $2,143 |
| Chubb | $3,480 |
As your personal property holdings increase, your coverage requirements also expand, potentially resulting in higher premiums. However, State Farm tackles this issue by providing comprehensive coverage at affordable rates, ensuring that all your belongings receive adequate protection.
Best Homeowners Insurance Companies in Stockton, CA
Selecting the appropriate homeowners insurance isn’t just essential; it’s a decision that warrants careful thought. Stockton boasts a variety of properties, mirroring the diversity of its residents. Consequently, discovering an insurer that delivers comprehensive coverage at competitive rates is crucial.
To simplify your decision-making process, we’ve assembled a list of the leading homeowners insurance companies in Stockton, California. Our assessment considers factors like annual premiums, coverage choices, customer satisfaction scores, and overall dependability. Take a look at our comparison chart below to identify the ideal match for your home insurance requirements.
| Company | Annual Premium | |
| 1. | State Farm | $1,483 |
| 2. | Travelers | $1,562 |
| 3. | Nationwide | $1,723 |
| 4. | Universal North America | $1,889 |
| 5. | Chubb | $2,680 |
| 6. | Hartford | $1,910 |
| 7. | AIG | $2,280 |
| 8. | Farmers | $3,699 |
Average Home Insurance Rates by Zip Codes
Home insurance costs in Stockton, CA can vary widely depending on the zip code. Below, you’ll find tables showing rates for different zip codes in Stockton, along with details about the least and most expensive zip codes for annual home insurance premiums in the area.
| ZIP Code | Average Insurance Premium (Annual) |
| 95204 | $925 |
| 95206 | $923 |
| 95212 | $952 |
| 95215 | $959 |
Cheapest Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 95204 | $925 |
| 95206 | $923 |
| 95210 | $921 |
Most Expensive Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 95212 | $952 |
| 95215 | $959 |
| 95219 | $1,561 |
Average Home Insurance Rates in Stockton, CA by Deductible Amount
The deductible amount you select for a homeowners insurance policy has a significant impact on the premium rates in Stockton, CA. Below is a breakdown of how the average home insurance rates vary for different deductible amounts:
| Deductible Amount | Annual Rate |
| $500 | $961 |
| $1,000 | $847 |
| $1,500 | $793 |
| $2,000 | $715 |
| $5,000 | $573 |
Average Home Insurance Rates in Stockton, CA By Coverage Amount
One of the crucial factors affecting your premium is the dwelling coverage amount, which denotes the maximum sum your insurance provider will pay to rebuild or repair your home in case of damage or destruction.
Here’s a comparison chart displaying the average yearly premiums for homeowners insurance, categorized by various dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $680 |
| $250,000 | $765 |
| $300,000 | $849 |
| $350,000 | $988 |
| $400,000 | $1,298 |
Average Home Insurance Rates in Stockton, CA by Company
Here’s a comparison table showcasing the annual premiums from several prominent insurance companies in Stockton.
| Company | Annual Premium |
| State Farm | $1,483 |
| Travelers | $1,562 |
| Nationwide | $1,723 |
| Universal North America | $1,889 |
| Chubb | $2,680 |
| Hartford | $1,910 |
| AIG | $2,280 |
| Farmers | $3,699 |
How Much is Homeowners Insurance for Other Cities in California?
Below is a detailed comparison chart highlighting the most budget-friendly companies and their annual premiums across different cities in California.
| City | Annual Premium |
| Oakland | $2,302 |
| Berkley | $1,830 |
| Fremont | $1,865 |
| Irvine | $1,982 |
| Los Angeles | $1,852 |
Getting Online Homeowners Insurance Quotes in California
FAQs
Who has the cheapest home insurance in Stockton, CA?
What is the average cost of home insurance in Stockton, CA?
The typical cost of homeowners insurance in Stockton, California, averages around $1,916 annually.
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