Compare Concord, CA Car Insurance Rates (2021)

Car insurance in Concord, CA averages $291 a month. Concord, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Concord car insurance rates, compare quotes from the top car insurance companies in Concord, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Concord is USAA
  • The cheapest ZIP code in Concord is 94518
  • Average car insurance rates in Concord, CA after a DUI are $4,912/year

If you need to buy Concord, California car insurance, the options can be confusing. Everything you need to know about car insurance in Concord, CA is right here.

You’ll find Concord car insurance rates, the cheapest Concord, CA car insurance companies, and information on California car insurance laws. You can also compare Concord, California car insurance rates to San Jose car insurance rates, Anaheim car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Concord, CA car insurance today? Enter your ZIP code for fast, free Concord car insurance quotes.

Cheapest Concord, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Concord, CA car insurance rates? Every Concord, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Concord, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,846 $2,849 $2,079 $2,097 $7,924 $9,972 $3,639 $3,995
Farmers $2,548 $2,548 $2,298 $2,298 $8,165 $13,410 $3,023 $3,370
GEICO $1,616 $1,617 $1,520 $1,520 $4,921 $5,004 $2,321 $2,372
Liberty Mutual $2,240 $2,119 $2,088 $2,022 $4,902 $5,224 $2,523 $2,544
Nationwide $2,997 $2,859 $2,630 $2,477 $7,665 $8,449 $3,588 $3,539
Progressive $1,644 $1,691 $1,389 $1,650 $4,356 $5,247 $2,352 $2,526
State Farm $3,197 $3,197 $2,856 $2,856 $5,885 $7,295 $3,540 $3,651
Travelers $2,430 $2,352 $2,149 $2,126 $5,020 $5,753 $3,160 $3,095
USAA $1,845 $1,747 $1,800 $1,807 $4,191 $4,228 $2,559 $2,418

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Minimum Car Insurance in Concord, CA

Every driver must carry the minimum car insurance in Concord, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Concord, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Concord, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Concord, CA to rates for a clean record with top companies.

Annual Concord, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,669 $4,485 $7,046 $3,501
Farmers $3,479 $4,738 $5,905 $4,707
GEICO $1,826 $2,819 $3,535 $2,265
Liberty Mutual $2,568 $3,439 $3,103 $2,720
Nationwide $2,986 $3,827 $6,463 $3,827
Progressive $1,714 $2,902 $3,344 $2,468
State Farm $2,897 $3,455 $6,525 $3,362
Travelers $2,182 $3,536 $4,123 $3,202
USAA $1,711 $2,549 $4,163 $1,874

Cheapest Concord, CA Car Insurance for Teen Drivers

Teen car insurance in Concord, CA can be expensive. Take a look at rates from the top car insurance companies in Concord for teenagers.

Annual Car Insurance Rates for Teen Drivers in Concord, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,924 $9,972
Farmers $8,165 $13,410
GEICO $4,921 $5,004
Liberty Mutual $4,902 $5,224
Nationwide $7,665 $8,449
Progressive $4,356 $5,247
State Farm $5,885 $7,295
Travelers $5,020 $5,753
USAA $4,191 $4,228

Cheapest Concord, CA Car Insurance for Seniors

Take a look at Concord, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Concord, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,079 $2,097
Farmers $2,298 $2,298
GEICO $1,520 $1,520
Liberty Mutual $2,088 $2,022
Nationwide $2,630 $2,477
Progressive $1,389 $1,650
State Farm $2,856 $2,856
Travelers $2,149 $2,126
USAA $1,800 $1,807

Cheapest Concord, CA Car Insurance Rates After a DUI

A DUI in Concord, CA increases car insurance rates. Compare Concord, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Concord, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,046
Farmers $5,905
GEICO $3,535
Liberty Mutual $3,103
Nationwide $6,463
Progressive $3,344
State Farm $6,525
Travelers $4,123
USAA $4,163

Cheapest Concord, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Concord, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Concord, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,990 $4,860
Farmers $4,271 $5,144
GEICO $2,372 $2,850
Liberty Mutual $2,717 $3,198
Nationwide $3,777 $4,774
Progressive $2,362 $2,852
State Farm $3,913 $4,206
Travelers $2,932 $3,589
USAA $2,375 $2,774

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Cheapest Concord, CA Car Insurance Rates by ZIP Code

Concord car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Concord, CA.

Annual Car Insurance Rates by ZIP Code in Concord, California

ZIP Code Average Annual Rates
94518 $4,773
94519 $4,775
94520 $4,937
94521 $4,801

The Best Cheap Car Insurance Companies in Concord, CA

Take a look at a side-by-side comparison of the top car insurance companies in Concord, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Concord, California

Insurance Company Average Annual Rates
Allstate $4,425
Farmers $4,708
GEICO $2,611
Liberty Mutual $2,958
Nationwide $4,275
Progressive $2,607
State Farm $4,060
Travelers $3,261
USAA $2,574

Category Winners: Cheapest Car Insurance in Concord, California

Find the cheapest car insurance companies in Concord, CA for each category right here.

Best Annual Car Insurance Rates by Company in Concord, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Concord, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Concord car insurance rates. Find the cheapest Concord, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Concord, California

Insurance Company Low Medium High
Allstate $4,189 $4,464 $4,623
Farmers $4,397 $4,744 $4,982
GEICO $2,394 $2,640 $2,800
Liberty Mutual $2,759 $2,985 $3,129
Nationwide $3,839 $4,356 $4,631
Progressive $2,352 $2,688 $2,781
State Farm $3,675 $4,128 $4,376
Travelers $2,863 $3,350 $3,569
USAA $2,350 $2,622 $2,751

What affects car insurance rates in Concord, California?

What factors can have an impact on Concord, CA car insurance? There are several reasons why Concord car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Concord, California.

Car Theft in Concord

High levels of vehicle theft can make car insurance more expensive. Concord, CA car theft statistics from the FBI indicate 556 vehicle thefts a year.

Commute Time in Concord

The more time you spend in your car the higher the risk of an accident. The average commute length in Concord, CA is 35.6 minutes according to City-Data.

Traffic in Concord

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Concord, CA traffic data from INRIX ranks Concord as the 202nd-most congested in the world.

Compare Car Insurance Quotes in Concord, CA

Ready to find affordable Concord, California car insurance today? Enter your ZIP code for fast, free Concord, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State