Cheapest and Best Car Insurance in Antioch, CA (June 2024)

In Antioch, National General is the most economical for full coverage, while GEICO is the least expensive option for minimum coverage. For families with teens, Farmers emerges as the budget-friendly choice. Yet when prioritizing customer service, Chubb leads, differing from Capital Insurance Group, which offers the best overall value balancing cost with service quality. Your ideal insurer will vary based on personal needs and desired coverage.

MoneyGeek found that GEICO is the cheapest option in Antioch, offering the cheapest car insurance for those looking to save.

• GEICO: $426 per year
• CSAA: $442 per year

Chubb has the most expensive minimum coverage policy in the city at $851 annually. That's a significant $425 difference compared to GEICO, highlighting the importance of comparing rates to ensure economical car insurance options.

Across all cities in the Golden State, including Antioch, California, state law mandates minimum car insurance coverage. Here's what you need to know:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

For example, with a minimum coverage policy in California, if you're legally responsible for someone's injuries in a car accident, your policy would cover up to $15,000 per person. However, it'll only cover up to $30,000 per accident, regardless of the number of people injured. Should the actual damages exceed these limits, the surplus would come out of your pocket.

MoneyGeek found that National General offers the cheapest full coverage car insurance in Antioch, which can lead to substantial savings. Here are the two most affordable providers:

• National General: $935 per year
• Progressive: $1,109 per year

Chubb has the most expensive full coverage policy in Antioch, with an annual rate of $2,040, showcasing a significant $1,105 difference compared to National General. Full coverage policies are more costly than minimum coverage because they provide broader financial protection, including collision and comprehensive coverage.

At MoneyGeek, our Antioch full coverage policy upgrades the liability limits from the basic requirement to an ample $100,000 for bodily injury per individual, $300,000 for bodily injury per event, and $100,000 for property damage per event. In the industry, professionals refer to this as a "100/300/100" policy.

With full coverage, policyholders gain the benefit of comprehensive and collision insurance:

• Collision Insurance: This ensures that any damage to your vehicle, whether from striking another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This covers a range of non-collision incidents that could damage your vehicle, such as theft, extreme weather conditions and being struck by an animal like a deer.

Full coverage insurance is recommended for brand-new vehicles to protect your substantial investment. However, the value of this enhanced insurance diminishes for older vehicles, as the additional cost may not equate to beneficial coverage. Through careful assessment, you can find how much car insurance you need.

MoneyGeek found that National General offers the most affordable option in Antioch for drivers with a poor driving record, with varying annual premiums based on the type of incident:

• Speeding Ticket: National General ($980 per year)
• At-fault accident: National General ($1,383 per year)
• DUI: National General ($980 per year)

In comparison, the most expensive rates for these offenses are significantly higher: Hartford charges $5,575 annually after a DUI, which is $4,595 more than National General for the same offense.

Insurance premiums increase in Antioch with worse driving offenses. Drivers with a DUI, for example, face an average annual rate of $3,544, significantly higher than the $2,072 annual rate for those with just a speeding ticket. This stark difference underscores the necessity for individuals with driving infractions to diligently compare insurance rates, as finding the most competitive pricing can lead to substantial savings.

MoneyGeek found that Farmers is the cheapest option in Antioch, offering the cheapest car insurance for teens. While searching for affordable rates, consider these two providers:

• Farmers: $2,977 per year for female teens and $2,977 per year for male teens
• State Farm: $3,030 per year for female teens and $3,030 per year for male teens

These rates reflect the combined annual premium for a policy covering two parents and one teen driver. Nationwide has the most expensive teen family policy in Antioch, with an annual cost of $5,784 for female teens. The substantial price gap of $2,807 between Farmers and Nationwide underscores the vital importance of comparing rates, especially when adding high-risk teen drivers to your policy.

In Antioch, the cost disparity between obtaining an individual teen car insurance policy and being included in a family plan is substantial. On average, an individual annual premium for a teen is approximately $4,467, while the average cost drops to $3,721 when the teen is added to a family policy. This difference in rates is primarily due to the higher risks insurers associate with insuring inexperienced teen drivers independently.

National General is the cheapest option for those seeking the cheapest car insurance for military backgrounds in Antioch.

• National General: $935 per year
• Progressive: $1,109 per year

While USAA ranks fourth with an annual premium of $1,270, it's important to mention that it is highly regarded for providing services that cater to active duty military members. Although a bit pricier than the top two cheapest options, the tailored services USAA offers may be invaluable for those with a military background.

You can use MoneyGeek's car insurance calculator to find quotes. By inputting simple details such as age, driving history, credit score, and coverage preferences, you can quickly receive accurate rate estimates.

The best auto insurance for you hinges on valuing components such as service, cost, coverage, and other factors. MoneyGeek has evaluated the leading insurance providers in Antioch using distinct scoring systems to address these different priorities:

• Best overall: Capital Insurance Group (MoneyGeek score 80 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 79 out of 100)

Capital Insurance Group delivers excellent balance and is the top pick for overall value, Chubb stands out for premium service quality, while Mercury provides considerable savings without significantly compromising service.

MoneyGeek found that Capital Insurance Group is the best option in Antioch for those seeking the best car insurance.

• Capital Insurance Group: MoneyGeek score of 80 out of 100 ($1381 per year)
• Chubb: MoneyGeek score of 76 out of 100 ($2039 per year)

Capital Insurance Group offers good customer satisfaction and affordability, reflected in its MoneyGeek score. This high score indicates that the company provides a reliable full coverage policy that balances cost with quality service.

MoneyGeek found that Chubb is the best option in Antioch for car insurance focusing on customer service. This determination considers customer general satisfaction, claims handling and coverage options without placing weight on rates.

• Chubb: MoneyGeek score of 94 out of 100 ($2,040 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,381 per year)

Chubb distinguishes itself by achieving high marks in claims satisfaction and providing excellent coverage options.

MoneyGeek found that Mercury is the best option for affordable car insurance in Antioch. Its scores also incorporate claims handling and general customer satisfaction, ensuring that policyholders get the most value for their money. Here’s how the top two companies stack up:

• Mercury: MoneyGeek score of 79 out of 100 ($470 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($506 per year)

Mercury has the highest MoneyGeek score, indicative of its superior combination of low cost and reliable service for a minimum coverage policy.

Residents of Antioch, California, face an average car insurance cost of $1,471. Compared to the state average of $1,457, Antioch’s car insurance premiums are slightly higher, with a difference of just $14. California's average insurance cost already sits below the national average of $1,720, with Californians paying $263 less on average for their auto insurance.

Insurance companies consider factors like the frequency of accidents and claims within an area, along with environmental factors that could affect driving safety. For example, Santa Maria has the cheapest car insurance premium in California at $1,168, while Glendale holds the record for the most expensive at $2,260. Drivers in less densely populated areas might secure even lower rates due to decreased traffic density.