Compare the Cheapest Car Insurance Quotes in Antioch

Car insurance in Antioch costs an average of $1,377 per year, which is 3.6% cheaper than California’s average. On average, Esurance is the most affordable option at $1,013 annually. The most affordable car insurances, incorporating coverage amount and driving history, were analyzed to help find the best rates for you. MoneyGeek also ranked the best companies in Antioch that balance affordability and quality.

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Last Updated: 5/16/2022
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In the city of Antioch, Esurance has the cheapest premiums for full coverage and for drivers with speeding tickets. Progressive and CSAA have the cheapest average rate for state minimum liability. If you are part of a military family, USAA is recommended. AAA is the top choice in Antioch and the best overall in California cities.

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The Cheapest and Best Car Insurance in Antioch

The Cheapest Car Insurance Companies in Antioch

Based on MoneyGeek’s analysis, the top insurance companies for cheap car insurance in Antioch are:

  • Esurance: $1,013 per year
  • Progressive: $1,101 per year

Esurance offers the most affordable full coverage policy in the city. It costs approximately 77.6% less than the average rate at Allied, the most expensive provider in the city. A full coverage policy includes liability, comprehensive and collision insurance. The actual cost of a policy may vary depending on how much liability insurance you purchase.

Cheapest Car Insurance in Antioch
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,013
  • 2.
    Progressive
    $1,101
  • 3.
    USAA
    $1,125
  • 4.
    GEICO
    $1,212
  • 5.
    Allstate
    $1,230
  • 6.
    CSAA
    $1,239
  • 7.
    MetLife
    $1,298
  • 8.
    State Farm
    $1,428
  • 9.
    Mercury
    $1,443
  • 10.
    Farmers
    $1,541
  • 11.
    Travelers
    $1,584
  • 12.
    Hartford
    $1,637
  • 13.
    Allied
    $1,799

Based on MoneyGeek’s methodology, the prices indicated in this analysis are average car insurance rates in Antioch for a 40-year-old male driver with a full coverage policy.

A full coverage car insurance policy provides protection against possible financial responsibility due to vehicle damages. Typically, this type of policy is more expensive than a state minimum coverage because it includes the following:

  • Comprehensive insurance: pays for the repair or replacement of the vehicle after a non-accident incident like vandalism or theft.
  • Collision insurance: pays for the repair or replacement of the car after accident-related damage.

For drivers with older cars, full coverage is not ideal. That is especially true if insurance premiums end up costing more than the car’s value. In such cases, consider getting liability-only or state minimum insurance.

Compare Car Insurance Rates in Antioch

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Antioch for Minimum Coverage

Getting a policy that only meets the state minimum requirement is the cheapest option in Antioch.

Based on average rates, if obtaining minimum liability insurance, the two cheapest providers are:

  • Progressive: $464 per year
  • CSAA: $464 per year

While minimum coverage is the most affordable option for drivers, it does not include comprehensive and collision insurance. Policyholders should consider the low levels of liability coverage. Toggle the table below to see how prices can change depending on the liability coverage level.

Cheapest Minimum Liability Car Insurance in Antioch
State Minimum

California minimum car insurance is the cheapest option in Antioch. However, it offers the least protection as it only provides 15/30/5 coverage. While this could help you save money on your monthly bill, you may end up paying more out of pocket should there be an accident.

For instance, if an injured person in an at-fault accident incurs $25,000 in medical bills, your policy will cover only $15,000. You will pay for the remaining $10,000 out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Antioch if You Have Driving Violations

Having a driving violation, such as a speeding ticket, DUI or at-fault accident, leads to higher insurance rates. The most affordable car insurance companies in Antioch for drivers with violations are:

  • Cheapest after a ticket: Esurance at $1,281 per year
  • Cheapest after an at-fault accident: CSAA at $1,557 per year
  • Cheapest after a DUI: Mercury at $2,373 per year

USAA offers the cheapest rate for drivers with speeding tickets at $1,230 per year. However, we excluded USAA from the analysis as their policies are exclusively available to military families.

The best way to find cheap car insurance for drivers with bad records is to shop around. Over time, improving your driving history can help lower rates.

Cheapest Car Insurance in Antioch With a Violation
Speeding Ticket

Average Cost of Car Insurance in Antioch

Antioch$1,377
California$1,429
U.S.$1,424

The average cost of car insurance in Antioch is $1,377 per year, which is cheaper than both the state and national average premiums. In comparison, Antioch drivers pay 3.6% less than California’s annual average and 3.3% less than the average cost of auto insurance in the country.

Personalized Quotes to Get You the Cheapest Car Insurance in Antioch

Insurance companies consider various factors when calculating car insurance quotes in Antioch, such as age, gender, car make and model, ZIP code and coverage level. Thus, it is important to regularly compare personalized car insurance quotes from different insurance providers to see if you qualify for any discounts and rebates.

Compare Car Insurance Rates in Antioch

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Antioch

MoneyGeek determined the best car insurance companies in Antioch for drivers who prioritize quality service and affordability. For most Antioch drivers, the top car insurance providers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA is the highest-scoring company in the city. However, its policies are only available to military families.

MoneyGeek ranked providers using several factors, including J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Location can have a huge impact on the cost of your car insurance in Antioch. Average car insurance rates may vary depending on the ZIP code because of variations in the number of accidents, car theft incidents and percentage of uninsured drivers.

In Antioch, ZIP code 94531 is the cheapest neighborhood with an average car insurance rate of $1,363 per year. Meanwhile, drivers living in zip code 94509 pay the most expensive rate at an average of $1,391 per year.

  • Zip Code
    State Minimumper year
  • 94531
    $1,363
  • 94509
    $1,391

Factors That Impact Insurance Costs in Antioch

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Antioch. How Antioch ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities178th/300
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall194th/300
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Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Antioch are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.