Compare the Cheapest Car Insurance Quotes in Concord

Concord's average car insurance cost is $1,288 per year, less than the state average of $1,429. Esurance provides the city's cheapest car insurance at an average of $1,016. Using MoneyGeek’s data, you can compare quotes from multiple insurers for various coverage levels and driving history. Additionally, we've compiled a list of the best car insurance companies in Concord that balance both quality and cost.

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Insurance Rates

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

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Last Updated: 5/16/2022
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Your driving profile and policy levels will determine if Esurance or another insurance company in Concord is the cheapest option for you. Progressive offers the cheapest state minimum policy while Esurance offers the lowest price for drivers with tickets. Military families may get the cheapest quote from USAA. Likewise, MoneyGeek also assessed the insurers based on cost and customer service and rated AAA as the best auto insurance company in the city.

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The Cheapest and Best Car Insurance in Concord

The Cheapest Car Insurance Companies in Concord

The cheapest car insurance companies in Concord for drivers seeking full coverage insurance plans are:

  • Esurance: $1,016 per year
  • Progressive: $1,020 per year

Esurance's policy is $558 less expensive than Travelers, Concord's most expensive car insurance provider. A full coverage policy includes both comprehensive and collision insurance, in addition to the liability coverage limits required by the state law. However, your costs may vary based on the amount of liability insurance you choose.

Cheapest Car Insurance in Concord
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,016
  • 2.
    Progressive
    $1,020
  • 3.
    USAA
    $1,078
  • 4.
    GEICO
    $1,121
  • 5.
    MetLife
    $1,135
  • 6.
    CSAA
    $1,213
  • 7.
    Allstate
    $1,259
  • 8.
    State Farm
    $1,273
  • 9.
    Mercury
    $1,370
  • 10.
    Farmers
    $1,447
  • 11.
    Hartford
    $1,464
  • 12.
    Allied
    $1,560
  • 13.
    Travelers
    $1,574

MoneyGeek's methodology evaluated the average insurance premiums based on a 40-year-old male driver with a full coverage insurance policy.

A full coverage insurance plan will cost extra since it covers the following two coverages in addition to liability insurance:

  • Comprehensive Coverage: covers damages caused by non-accident-related catastrophes including storms, fire, theft and vandalism.
  • Collision Coverage: covers losses and damages in the event of a collision with another vehicle or item

Purchasing only liability insurance or the state's bare minimum coverage may be the best financial decision if you own an older vehicle because the costs for comprehensive coverage may exceed the value of your automobile as a whole.

Compare Car Insurance Rates in Concord

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

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Insurance Rates

Cheapest Car Insurance in Concord for Minimum Coverage

The cheapest car insurance in Concord likely provides only the lowest level of coverage. The city's cheapest minimum liability insurance is offered by the following companies:

  • Progressive: $438 per year
  • GEICO: $451 per year

The cheapest insurance policies are those that offer the bare minimum in terms of protection. To be safe, make sure you have collision and comprehensive insurance in case of an accident.

Farmers insurance, the most expensive in the state, offers an annual rate of $749 is $311 more expensive than Progressive's. USAA has the second-cheapest state minimum policy in the city at $450 per year, but it’s only available to military personnel and their families.

Cheapest Minimum Liability Car Insurance in Concord
State Minimum

California law requires drivers to have a minimum of 15/30/5 liability insurance. This may be the cheapest insurance you may find in Concord and also the one that offers the least amount of protection.

This means that if you’re in an accident that causes $10,000 in property damage to another driver and your insurance only pays out $5,000, the remaining $5,000 is your responsibility. Having a full coverage insurance plan can save you on heavy medical expenses.

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 Concord if You Have Driving Violations

Car insurance quotes in Concord might rise as a result of infractions such as speeding, collisions with another vehicle or driving under the influence (DUI). Based on the most prevalent traffic infractions, the following are the city's lowest insurance premiums:

  • Cheapest after a ticket: Esurance, $1,286 per year
  • Cheapest after an at-fault accident: CSAA, $1,526 per year
  • Cheapest after a DUI: Mercury, $2,249 per year

For drivers who have received a speeding ticket, USAA offers the most affordable rate. However, only military personnel are eligible under the policy.

You can lower your insurance costs by keeping a clean driving record. In the meantime, you can shop for the best cheap auto insurance for drivers with poor driving records by comparing rates from multiple providers.

Cheapest Car Insurance in Concord With a Violation
Speeding Ticket

Average Cost of Car Insurance in Concord

Concord$1,288
California$1,429
U.S.$1,424

The average annual cost of car insurance in Concord is $1,288, which is less than the state and national averages. Concord drivers pay approximately 9.9% less than the state's average annual car insurance premium and 9.6% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Concord

In Concord, insurance companies look at factors like the driver's gender, age, vehicle make and model and ZIP code to calculate car insurance quotes. Quotes can vary significantly depending on the insurer and the selected coverage levels so comparing quotes is important.

Compare Car Insurance Rates in Concord

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 Concord

MoneyGeek ranked the best car insurance companies in Concord for drivers looking for a balance of cost and quality service. Based on our research, the following companies were identified as the city's best auto insurance providers:

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

USAA is the best insurance company in Concord outscoring all its competitors. However, it isn't included as the best overall because its policies are only open to active-duty military personnel, veterans, and their families.

MoneyGeek rated the best insurers based on a variety of criteria, including insurer financial stability, customer satisfaction and affordability. We conducted this analysis using a variety of resources, including findings from data analytics and consumer intelligence firm, J. D. Power.


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

The cost of auto insurance in Concord is also influenced by the insured's location. For example, variables such as automobile theft, accidents and natural disasters in a particular area can affect the car insurance rates. Taking this into account, we found that auto insurance prices are on average $97 lower in the 94521 ZIP Code than they are in the 92879 ZIP Code, which has the city's highest rate.

  • Zip Code
    State Minimumper year
  • 94521
    $1,239
  • 94520
    $1,336

Factors That Impact Insurance Costs in Concord

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 Concord. How Concord 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 Fatalities211th/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
umbrella icon
Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Concord 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.