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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
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.
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
- Company100/300/100per year
- 1.$1,013
- 2.$1,101
- 3.$1,125
- 4.$1,212
- 5.$1,230
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.

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
- CompanyState Minimumper year
- 1.$464
- 2.CSAA$464
- 3.$465
- 4.$467
- 5.$520
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,230
- 2.$1,281
- 3.CSAA$1,557
- 4.$1,682
- 5.$1,743
Average Cost of Car Insurance in Antioch
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.

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.














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 CodeState 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.
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.
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