Your driving history and needs will determine the cheapest car insurance company for you. GEICO is the cheapest for minimum coverage car insurance and the best cheap provider overall. National General is the cheapest provider for drivers with violations, military members and for full coverage car insurance. Farmers offers the cheapest policies for teens, while Chubb is the best option for customer service in Antioch.
Cheapest and Best Car Insurance in Antioch, CA








Cheapest Minimum Liability Car Insurance in Antioch
The cheapest auto insurance companies for a minimum coverage policy in Antioch are:
- GEICO: approximately $377 per year
- CSAA: approximately $425 per year
The most expensive option for minimum coverage is Chubb at around $851 per year. Location can be a major factor in car insurance rates.
Minimum coverage policies in California only cover bodily injury liability and property damage liability. California car insurance laws require all drivers to carry the following liability limits.
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
A minimum coverage policy offers the minimum protections required by law. This means that your policy will cover injury caused to others up to $15,000 per person and up to $30,000 per accident. If you cause property damage, your policy will only pay up to $5,000. Any amount over these limits will have to be paid out of pocket.
Cheapest Full Coverage Car Insurance in Antioch
The most affordable companies for full coverage car insurance in Antioch are:
- National General: approximately $935 per year
- Progressive: approximately $1,109 per year
Chubb is the least affordable option for full coverage at an average of $2,040 per year. While National General is the most affordable provider in Antioch, the cheapest car insurance in California is CSAA at an average of $369 per year as of October 2022. This demonstrates how location is one of the factors that impact the cost of car insurance.
Full coverage policies offer more protection because they include comprehensive and collision insurance.
- Collision Insurance: Covers damages to your vehicle in the event of a collision with another vehicle or object.
- Comprehensive Insurance: Covers non-collision damages to your vehicle, including weather incidents, theft or vandalism.
Full coverage policies can be costly and may not be worth it if you have an older car since the premiums might exceed the value of your car.
Cheapest Car Insurance in Antioch After a Driving Offense
The cheapest car insurance companies in Antioch for a full coverage policy if you have a driving violation are:
- Speeding ticket: National General (approximately $980 per year)
- At-fault accident: National General (approximately $1,383 per year)
- DUI: National General (approximately $980 per year)
On average, the most expensive companies after a violation are Kemper at $3,368 per year after an accident, Nationwide at $2,766 after a speeding ticket and Hartford at $5,833 after a DUI.
A poor driving record significantly increases car insurance premiums, so even the cheapest company’s rates are still higher than rates for drivers with a clean record.
When it comes to drivers with bad records, car insurance premiums tend to increase for more severe violations. For example, the average rates for drivers with a ticket go up by around $589, while those with a DUI go up by around $2,215.
Cheapest Car Insurance in Antioch for Teens and Their Families
The cheapest auto insurance companies in Antioch for teens on a family policy are:
- Farmers: approximately $2,977 per year (for female and male teens)
- State Farm: approximately $3,030 per year (for female and male teens)
Nationwide is the least affordable option for teens added on a family policy, at an average of $5,784 per year for male and female teens. In some cases, car insurance rates for male teens may be higher because they are considered higher risk compared to female teens. However, this difference usually drops off in early adulthood.
Teens who purchase an individual car insurance policy pay significantly higher rates than those who are added to a family policy. An individual full coverage policy for a teen in Antioch costs up to $673 more than the cost of being added to a family policy. This means that if you are looking for the cheapest car insurance for teens, you can save on costs by opting for a family policy.
Cheapest Car Insurance in Antioch for Military Drivers
The cheapest car insurance companies in Antioch for full coverage if you have a military background are:
- National General: approximately $935 per year
- USAA: approximately $952 per year
For minimum coverage car insurance, GEICO is the cheapest option at an average of $377 per year, with USAA being the second cheapest at $408 per year. This differs from the full coverage winners as National General is not included.
USAA offers cheap military car insurance for both minimum and full coverage policies. It tailors its services to suit those in the military and veterans.
How to Compare Cheap Antioch Car Insurance Quotes Online
You can get a car insurance quote online in Antioch, but you will be required to enter a lot of personal information, and the process may take more than 15 minutes. Since it’s wise to do this for multiple insurers and compare rates, the process could take a while.
If you are looking for a quick estimate, you can use MoneyGeek’s car insurance calculator to get a quote based on your age, type of vehicle, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
low end
on average
high end
Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in Antioch: Summary
The best car insurance provider depends on if you prioritize cost, service coverage or other factors. The top car insurance companies in Antioch are:
- Best overall: GEICO (MoneyGeek score 70 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: GEICO (MoneyGeek score 78 out of 100)
Scores may vary depending on weightings in each category. Location can affect rates and affordability scores.
The best auto insurance company in California is CSAA. USAA earned a MoneyGeek score of 84 out of 100 and is one of the best options for military drivers.
Best Overall Car Insurance in Antioch
The best overall car insurance companies in Antioch are:
- GEICO: MoneyGeek score 70 out of 100 (approximately $1,112 per year)
- Progressive: MoneyGeek score 70 out of 100 (approximately $1,109 per year)
GEICO scored highly in affordability and customer satisfaction. This means that you can get a good balance of service quality and cost with this provider.
Earning a MoneyGeek score of 84 out of 100, USAA is the best insurer in Antioch if you have a military background.
How was this MoneyGeek score calculated?

pros
High scores for affordability
Scored well in customer satisfaction
Offers mechanical breakdown insurance
Offers classic car insurance
cons
Below-average claims rating
Doesn’t offer gap insurance or new car replacement coverage
COMPANY HIGHLIGHTS
GEICO is one of the most affordable car insurance providers in Antioch. They also have a good customer service track record.
If you have a new or leased car that is not older than 15 months, you can get GEICO's mechanical breakdown insurance (MBI), which offers better coverage than a dealer warranty. MBI offers coverage for all parts and systems, including those not covered by the typical dealer warranty. GEICO also offers a classic car insurance policy that provides liability coverage and also includes uninsured and underinsured motorist coverage and medical coverage.
Policyholders can also get roadside assistance coverage. This coverage will help you pay for emergency services like towing, gas delivery or mechanical labor when your car breaks down. Rental car or travel reimbursement coverage is also available as an add-on.
Best Car Insurance in Antioch for Customer Service
The best car insurance companies in Antioch for customer service without factoring in cost are;
- Chubb: MoneyGeek score 76 out of 100 (approximately $2,040 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $1,403 per year)
Chubb ranked highly for claims experience and customer satisfaction, but it is also the most expensive provider overall. This means that policyholders pay more to get great service.
How was this MoneyGeek score calculated?

pros
Ranked highly for customer satisfaction
Excellent score for claims experience
Offers original equipment manufacturer (OEM) coverage
cons
Doesn’t offer roadside assistance coverage
Expensive
COMPANY HIGHLIGHTS
Drivers in Antioch who prioritize customer satisfaction over cost should opt for coverage from Chubb. This company had the highest customer satisfaction and claims experience scores, so policyholders can expect excellent service.
Chubb offers policyholders original equipment manufacturer (OEM) coverage, which ensures that in the event of a covered incident, damaged parts will only be replaced with the original equipment. Drivers can also get diminished value coverage, which allows them to be compensated based on the agreed value at the time of writing the policy, regardless of the diminished value of the car after an accident.
For those with classic vehicles, Chubb offers coverage for vehicles older than 30 years or those part of a limited model. It also offers essential coverages, including reimbursement for travel expenses you may incur if your car is inoperable and needs repairs.
Best Cheap Car Insurance Companies in Antioch
The best cheap car insurance providers in Antioch based on an analysis of affordability and service quality for policies that only meet California’s minimum coverage requirements are:
- GEICO: MoneyGeek score 78 out of 100 (approximately $377 per year)
- Progressive: MoneyGeek score 69 out of 100 (approximately $475 per year)
The cheapest minimum coverage policies in Antioch are the most affordable car insurance policies, but they offer limited liability protection. Damages to your own vehicle are not included in the coverage.
How was this MoneyGeek score calculated?

pros
Affordable minimum coverage policy at around $377 per year
Offers bundling, defensive driving and affinity organization discounts
High customer satisfaction ratings
cons
Below-average claims rating
No paperless or pay-in-full discounts
COMPANY HIGHLIGHTS
Antioch drivers on a budget who also want good service should consider GEICO’s minimum coverage policy. It ranks first for affordability and is among the top companies for customer satisfaction.
Policyholders who want to save even more on their premiums can take advantage of various discounts available at GEICO. They can get a bundling discount for purchasing a homeowners or renters policy.
You may also qualify for a discount if you have been accident-free for at least five years. GEICO even rewards students who maintain good grades with a good student discount, and multiple car discounts are available for those who insure more than one vehicle.
GEICO even has rare discounts, including savings for having safety equipment like anti-lock brakes, daytime running lights and anti-theft systems. Federal employees, teachers and those in the military also qualify for discounts.
Average Cost of Car Insurance in Antioch
As of October 2022, the average cost of car insurance in Antioch is $1,403 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.
Rates in Antioch are $16 higher than the average car insurance cost in California. Antioch drivers also pay $138 more than the average national car insurance rate. Location is just one of many factors that impact the price of car insurance.
About Mark Fitzpatrick
