Compare Concord, CA Car Insurance Rates (2021)

The cheapest Concord, CA car insurance is from USAA followed by Progressive, although rates will vary for each person. Concord, CA car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Concord, California car insurance quotes online from multiple companies to get the best price for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: May 26, 2021

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Here’s What You Need To Know

  • The cheapest car insurance company in Concord, CA is USAA followed by Progressive
  • Concord, CA car insurance rates are affected by the traffic that is shared with San Jose and San Francisco
  • The average commute time in Concord is 32.9 min
  • California Low-Cost Auto (CLCA) program is available for low-income drivers who meet certain requirements

Concord, CA car insurance rates can be on the high side since it’s nestled between San Francisco and San Jose.

You can save on Concord, California car insurance by shopping around, comparing rates, and looking for discounts. Keep reading to find affordable Concord, CA auto insurance rates for every age, credit history, and driving record.

Are you trying to find affordable Concord, CA car insurance quotes? Find great rates with our free insurance quote comparison tool. Enter your ZIP code above to get started.

What is the cheapest car insurance company in Concord, CA?

The cheapest Concord, CA car insurance company, based on average rates, is USAA followed by Progressive.

Compare these two companies by reading our USAA car insurance review and our Progressive car insurance review.

The top car insurance companies in Concord, CA, ranked from cheapest to most expensive are:

  • USAA – $2,574
  • Progressive – $2,607
  • GEICO – $2,611
  • Liberty Mutual – $2,958
  • Travelers – $3,261
  • State Farm – $4,060
  • Nationwide – $4,275
  • Allstate – $4,425
  • Farmers – $4,708

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What car insurance coverage is required in Concord, CA?

All Concord drivers have to meet the California state law minimum requirements for car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects car insurance rates in Concord, CA?

Concord is a busy city with a lot of people on the roads, including commuters who drive to and from work in nearby cities like San Francisco. A lot of traffic can mean a higher risk of accidents.

INRIX ranks Concord, CA as the 28th-most congested city in the U.S. Concord is north of San Jose and San Francisco is west of Concord, so much of the traffic between the two larger cities affects Concord.

According to City-Data, the average commute time in Concord is 32.9 minutes.

Auto theft in Concord also affects rates, and the most recent annual statistics list 759 auto thefts in a city population of 129,789.

Concord, CA car insurance: The Bottom Line

Concord has some of the highest car insurance rates in California, but you can save by shopping around and comparing.

Before you buy Concord, CA car insurance, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to compare multiple Concord, CA car insurance companies for free.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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