Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in San Joaquin, CA
We monitor insurance prices, helping the average driver in San Joaquin save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Joaquin
The chart below shows the cheapest car insurance company in San Joaquin for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| San Joaquin Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of San Joaquin Driver
Based on our extensive insurance data, we know the average San Joaquin driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $639 per year by choosing the right vehicle insurance company. Some San Joaquin residents are paying out over $1,998 extra every year for auto insurance in San Joaquin. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Joaquin, CA Savings / Yr. |
|---|---|
$639 |
|
$1,170 |
|
$926 |
|
$1,626 |
|
$835 |
|
$362 |
|
$0 |
San Joaquin Car Insurance vs. California
People living in San Joaquin pay an average of 0.47% less than the typical driver in the state. The average driver in San Joaquin can expect to pay about $936 per year, or $1,998 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Joaquin for most people.
Car Insurance Prices by San Joaquin Neighborhood
Insurance Prices
Where is insurance cheapest within San Joaquin?
The map shows insurance prices in and around San Joaquin, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $240 per year within the city boundaries, with insurance premiums ranging from a high of $2,093 to a low of $1,853. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of San Joaquin.Pick the Best Car Insurance Company for You in San Joaquin
The best car insurance provider for most drivers in San Joaquin
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $639 over the average San Joaquin car insurance company.
The best car insurance provider for San Joaquin drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,170 over the competition.
The best car insurance company for San Joaquin drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $926 better than other car insurance companies.
The best auto insurance for San Joaquin drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,626 less each year.
The least expensive car insurance company for new and young drivers in San Joaquin
In San Joaquin, State Farm costs young drivers $835 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Joaquin
Progressive gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average San Joaquin couple's premiums.
The cheapest car insurance in San Joaquin for drivers with bad credit
The best San Joaquin car insurance company for customer service
Nationwide was the best company for customer service in San Joaquin according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in San Joaquin, which was better than other insurers.
The cheapest large national provider in San Joaquin
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Joaquin driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In San Joaquin, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around San Joaquin
What Influences the Cost of Car Insurance in San Joaquin?
On average, car insurance in San Joaquin is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in San Joaquin is 30 minutes, which is a little less than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in San Joaquin are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- San Joaquin is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in San Joaquin is $78 per month for minimum coverage and $167 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Tranquillity: Insurance costs 4.50% less
- Helm: Insurance costs 6.56% less
- Kerman: Insurance costs 1.95% less
- Three Rocks: Insurance costs 7.21% less
- Raisin: Insurance costs 4.40% less
- Mendota: Insurance costs 4.35% more
- Rolinda: Insurance costs 4.35% less
- Oleander: Insurance costs 4.70% less
- Burrel: Insurance costs 3.80% less
- Caruthers: Insurance costs 4.00% less
Cities with Similar Populations
- Bridgton: Insurance costs 51.15% less
- Darien: Insurance costs 17.42% less
- Amberley: Insurance costs 42.39% less
- Pottsville: Insurance costs 18.42% less
- Polkton: Insurance costs 34.13% less
- Ovid: Insurance costs 35.19% more
- Onalaska: Insurance costs 30.23% less
- North Terre Haute: Insurance costs 40.94% less
- Moonachie: Insurance costs 6.81% more
- Monrovia: Insurance costs 40.44% less