Compare Rates and Save on Auto Insurance

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Your specific driving profile and coverage needs may determine which insurance company is the most affordable for you. GEICO is the overall best and cheapest auto insurer in Concord. USAA is the cheapest provider for individuals with a military affiliation. State Farm is the most affordable insurance for teen drivers, while National General offers the cheapest policies for people with spotty driving records or looking for full coverage. Chubb provides top-notch customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceConcord
2023

Cheapest and Best Car Insurance in Concord, CA

Cheapest Minimum Liability Car Insurance in Concord

For a minimum coverage policy, the following Concord auto insurance companies offer the lowest rates:

  • GEICO: $365 per year
  • CSAA: $437 per year

Chubb charges the most ($759 per year) for a policy with minimum coverage.

Company
Annual Premium
Monthly Premium

GEICO

$361

$30

GEICO

$365

$30

State Farm

$367

$31

GEICO

$428

$36

CSAA

$437

$36

CSAA

$445

$37

Progressive

$446

$37

Progressive

$450

$38

CSAA

$480

$40

Mercury

$482

$40

State Farm

$485

$40

Mercury

$493

$41

Travelers

$514

$43

Travelers

$515

$43

Progressive

$528

$44

State Farm

$554

$46

State National

$567

$47

Nationwide

$570

$47

National General

$576

$48

Kemper

$579

$48

State National

$583

$49

Travelers

$586

$49

Farmers

$592

$49

National General

$592

$49

Nationwide

$594

$49

Capital Insurance Group

$602

$50

Mercury

$604

$50

Hartford

$609

$51

Farmers

$612

$51

Capital Insurance Group

$623

$52

Allstate

$633

$53

Allstate

$638

$53

Kemper

$668

$56

Allstate

$687

$57

State National

$688

$57

Farmers

$694

$58

Hartford

$697

$58

Capital Insurance Group

$698

$58

National General

$709

$59

Nationwide

$751

$63

Chubb

$759

$63

Chubb

$782

$65

Kemper

$881

$73

Hartford

$900

$75

State Farm

$911

$76

GEICO

$975

$81

National General

$983

$82

National General

$996

$83

GEICO

$1,011

$84

Progressive

$1,015

$85

Progressive

$1,020

$85

Chubb

$1,085

$90

Allstate

$1,124

$94

GEICO

$1,163

$97

State Farm

$1,167

$97

Allstate

$1,182

$99

National General

$1,192

$99

Mercury

$1,204

$100

Progressive

$1,224

$102

Mercury

$1,230

$103

State National

$1,237

$103

Capital Insurance Group

$1,265

$105

Hartford

$1,266

$106

CSAA

$1,284

$107

CSAA

$1,288

$107

Allstate

$1,308

$109

Nationwide

$1,314

$110

State National

$1,331

$111

Capital Insurance Group

$1,343

$112

State Farm

$1,364

$114

Travelers

$1,405

$117

CSAA

$1,423

$119

Nationwide

$1,431

$119

Hartford

$1,453

$121

Travelers

$1,476

$123

Kemper

$1,477

$123

Farmers

$1,492

$124

Capital Insurance Group

$1,510

$126

Farmers

$1,523

$127

Mercury

$1,596

$133

State National

$1,636

$136

Travelers

$1,757

$146

Farmers

$1,807

$151

Kemper

$1,814

$151

Chubb

$1,816

$151

Nationwide

$1,871

$156

Chubb

$1,874

$156

Hartford

$1,878

$156

Kemper

$2,200

$183

Chubb

$2,673

$223

According to California law, a minimum coverage policy only contains property damage and bodily injury liability coverage with the following amounts:

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

This means that the insurance company will provide bodily injury liability coverage of up to $15,000 for every person injured in a single accident, up to a maximum of $30,000 per accident. Additionally, it will cover up to $5,000 in property damages per accident.

Cheapest Full Coverage Car Insurance in Concord

The following companies in Concord offer full coverage auto insurance at the most affordable rates:

  • National General: $983 per year
  • GEICO: $1,011 per year

Chubb is the most expensive auto insurer, charging $1,816 annually for full coverage.

Company
Annual Premium
Monthly Premium

GEICO

$361

$30

GEICO

$365

$30

State Farm

$367

$31

GEICO

$428

$36

CSAA

$437

$36

CSAA

$445

$37

Progressive

$446

$37

Progressive

$450

$38

CSAA

$480

$40

Mercury

$482

$40

State Farm

$485

$40

Mercury

$493

$41

Travelers

$514

$43

Travelers

$515

$43

Progressive

$528

$44

State Farm

$554

$46

State National

$567

$47

Nationwide

$570

$47

National General

$576

$48

Kemper

$579

$48

State National

$583

$49

Travelers

$586

$49

Farmers

$592

$49

National General

$592

$49

Nationwide

$594

$49

Capital Insurance Group

$602

$50

Mercury

$604

$50

Hartford

$609

$51

Farmers

$612

$51

Capital Insurance Group

$623

$52

Allstate

$633

$53

Allstate

$638

$53

Kemper

$668

$56

Allstate

$687

$57

State National

$688

$57

Farmers

$694

$58

Hartford

$697

$58

Capital Insurance Group

$698

$58

National General

$709

$59

Nationwide

$751

$63

Chubb

$759

$63

Chubb

$782

$65

Kemper

$881

$73

Hartford

$900

$75

State Farm

$911

$76

GEICO

$975

$81

National General

$983

$82

National General

$996

$83

GEICO

$1,011

$84

Progressive

$1,015

$85

Progressive

$1,020

$85

Chubb

$1,085

$90

Allstate

$1,124

$94

GEICO

$1,163

$97

State Farm

$1,167

$97

Allstate

$1,182

$99

National General

$1,192

$99

Mercury

$1,204

$100

Progressive

$1,224

$102

Mercury

$1,230

$103

State National

$1,237

$103

Capital Insurance Group

$1,265

$105

Hartford

$1,266

$106

CSAA

$1,284

$107

CSAA

$1,288

$107

Allstate

$1,308

$109

Nationwide

$1,314

$110

State National

$1,331

$111

Capital Insurance Group

$1,343

$112

State Farm

$1,364

$114

Travelers

$1,405

$117

CSAA

$1,423

$119

Nationwide

$1,431

$119

Hartford

$1,453

$121

Travelers

$1,476

$123

Kemper

$1,477

$123

Farmers

$1,492

$124

Capital Insurance Group

$1,510

$126

Farmers

$1,523

$127

Mercury

$1,596

$133

State National

$1,636

$136

Travelers

$1,757

$146

Farmers

$1,807

$151

Kemper

$1,814

$151

Chubb

$1,816

$151

Nationwide

$1,871

$156

Chubb

$1,874

$156

Hartford

$1,878

$156

Kemper

$2,200

$183

Chubb

$2,673

$223

A full coverage policy includes collision and comprehensive coverage.

  • Collision Insurance: After an accident involving a collision with another car or object (light post, stop sign, mailbox, etc.), collision insurance pays to repair or replace your car.
  • Comprehensive Insurance: This provides coverage for damages to your vehicle caused by non-collision events like theft and vandalism.

A comprehensive coverage policy may not be beneficial for older vehicles since the value of your car may not be worth the extra cost of insurance.

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Cheapest Car Insurance in Concord After a Driving Offense

The following car insurance companies charge the lowest rates for drivers with violations:

  • Speeding ticket: National General ($1,031 per year)
  • At-fault accident: National General ($1,456 per year)
  • DUI: National General ($1,031 per year)

For an at-fault accident, Kemper charges the most at $2,261 per year, while Nationwide charges the most for a speeding ticket at $2,476 annually. Meanwhile, drivers with a DUI offense will pay the most with Hartford at $5,286 per year. Driving violations can significantly increase your car insurance rate. A relatively “cheap” policy for a driver with a violation will likely still be more than an average-priced policy for a clean driving history.

Company
Annual Premium
Monthly Premium

CSAA

$543

$45

CSAA

$543

$45

GEICO

$549

$46

CSAA

$553

$46

CSAA

$553

$46

GEICO

$555

$46

State Farm

$558

$46

State Farm

$582

$49

CSAA

$596

$50

CSAA

$596

$50

National General

$607

$51

National General

$607

$51

Mercury

$618

$52

National General

$626

$52

National General

$626

$52

Mercury

$634

$53

GEICO

$648

$54

GEICO

$652

$54

GEICO

$655

$55

Capital Insurance Group

$664

$55

Capital Insurance Group

$688

$57

Capital Insurance Group

$700

$58

Capital Insurance Group

$726

$61

State Farm

$737

$61

National General

$749

$62

National General

$749

$62

State Farm

$769

$64

GEICO

$770

$64

Kemper

$771

$64

Capital Insurance Group

$772

$64

Mercury

$774

$65

Mercury

$778

$65

Travelers

$783

$65

Travelers

$786

$65

Mercury

$794

$66

Progressive

$795

$66

State National

$801

$67

State National

$801

$67

Progressive

$804

$67

Farmers

$805

$67

Farmers

$805

$67

Capital Insurance Group

$816

$68

State National

$825

$69

State National

$825

$69

Farmers

$830

$69

Farmers

$830

$69

State Farm

$841

$70

GEICO

$861

$72

Mercury

$862

$72

National General

$863

$72

Travelers

$868

$72

Travelers

$869

$72

GEICO

$871

$73

Progressive

$874

$73

State Farm

$878

$73

Hartford

$879

$73

Hartford

$879

$73

Allstate

$880

$73

Nationwide

$881

$73

Progressive

$884

$74

Mercury

$884

$74

Allstate

$888

$74

National General

$889

$74

Kemper

$891

$74

Travelers

$904

$75

Nationwide

$917

$76

Farmers

$944

$79

Farmers

$944

$79

Progressive

$948

$79

Progressive

$951

$79

Allstate

$961

$80

Progressive

$962

$80

Chubb

$974

$81

Mercury

$975

$81

State National

$978

$81

State National

$978

$81

Nationwide

$981

$82

Chubb

$998

$83

Travelers

$1,000

$83

Farmers

$1,006

$84

Allstate

$1,013

$84

Hartford

$1,018

$85

Hartford

$1,018

$85

Nationwide

$1,021

$85

Allstate

$1,024

$85

GEICO

$1,025

$85

National General

$1,031

$86

National General

$1,031

$86

Farmers

$1,037

$86

Capital Insurance Group

$1,042

$87

National General

$1,046

$87

National General

$1,046

$87

Progressive

$1,048

$87

Travelers

$1,049

$87

Travelers

$1,051

$88

National General

$1,068

$89

Capital Insurance Group

$1,080

$90

Mercury

$1,086

$91

Allstate

$1,109

$92

Progressive

$1,141

$95

State Farm

$1,147

$96

Nationwide

$1,167

$97

Kemper

$1,177

$98

Farmers

$1,179

$98

Chubb

$1,183

$99

Chubb

$1,207

$101

Capital Insurance Group

$1,214

$101

Travelers

$1,215

$101

National General

$1,251

$104

National General

$1,251

$104

Nationwide

$1,301

$108

Chubb

$1,302

$108

Kemper

$1,321

$110

Kemper

$1,321

$110

Hartford

$1,342

$112

Hartford

$1,342

$112

State Farm

$1,349

$112

State Farm

$1,413

$118

State National

$1,445

$120

Capital Insurance Group

$1,446

$121

National General

$1,456

$121

GEICO

$1,459

$122

National General

$1,477

$123

State National

$1,490

$124

Capital Insurance Group

$1,490

$124

CSAA

$1,500

$125

Chubb

$1,511

$126

GEICO

$1,512

$126

State Farm

$1,517

$126

CSAA

$1,528

$127

Chubb

$1,532

$128

Capital Insurance Group

$1,538

$128

Chubb

$1,555

$130

Nationwide

$1,559

$130

Mercury

$1,583

$132

Capital Insurance Group

$1,584

$132

Kemper

$1,607

$134

Kemper

$1,607

$134

Nationwide

$1,623

$135

CSAA

$1,624

$135

CSAA

$1,624

$135

Mercury

$1,624

$135

CSAA

$1,627

$136

CSAA

$1,627

$136

Allstate

$1,629

$136

GEICO

$1,630

$136

CSAA

$1,652

$138

GEICO

$1,685

$140

Allstate

$1,720

$143

State Farm

$1,730

$144

State Farm

$1,731

$144

Capital Insurance Group

$1,735

$145

GEICO

$1,740

$145

State National

$1,758

$146

State National

$1,758

$146

National General

$1,770

$147

State National

$1,775

$148

Capital Insurance Group

$1,787

$149

CSAA

$1,800

$150

CSAA

$1,800

$150

State Farm

$1,811

$151

Allstate

$1,816

$151

Allstate

$1,838

$153

Chubb

$1,859

$155

Hartford

$1,886

$157

Hartford

$1,886

$157

State National

$1,890

$158

State National

$1,890

$158

Progressive

$1,908

$159

Allstate

$1,911

$159

Progressive

$1,916

$160

GEICO

$1,942

$162

Kemper

$1,963

$164

Mercury

$1,983

$165

Allstate

$1,996

$166

Allstate

$2,017

$168

Kemper

$2,020

$168

Kemper

$2,020

$168

State Farm

$2,022

$168

Mercury

$2,029

$169

Nationwide

$2,037

$170

Farmers

$2,057

$171

Farmers

$2,057

$171

Nationwide

$2,075

$173

Progressive

$2,075

$173

Progressive

$2,081

$173

Farmers

$2,101

$175

Farmers

$2,101

$175

Hartford

$2,102

$175

Mercury

$2,111

$176

State Farm

$2,116

$176

Travelers

$2,120

$177

Mercury

$2,122

$177

Allstate

$2,140

$178

Mercury

$2,167

$181

Hartford

$2,178

$181

Hartford

$2,178

$181

Nationwide

$2,221

$185

Travelers

$2,223

$185

Capital Insurance Group

$2,260

$188

Nationwide

$2,270

$189

GEICO

$2,302

$192

Progressive

$2,311

$193

State National

$2,328

$194

State National

$2,328

$194

Travelers

$2,352

$196

Progressive

$2,360

$197

Progressive

$2,363

$197

Chubb

$2,382

$198

GEICO

$2,383

$199

Allstate

$2,388

$199

Capital Insurance Group

$2,403

$200

Kemper

$2,412

$201

Chubb

$2,440

$203

Travelers

$2,461

$205

Hartford

$2,473

$206

Nationwide

$2,476

$206

Farmers

$2,493

$208

Farmers

$2,493

$208

Progressive

$2,513

$209

Farmers

$2,570

$214

Farmers

$2,626

$219

Mercury

$2,640

$220

Travelers

$2,671

$223

Capital Insurance Group

$2,713

$226

GEICO

$2,747

$229

State Farm

$2,793

$233

Mercury

$2,811

$234

Hartford

$2,836

$236

Hartford

$2,836

$236

Progressive

$2,860

$238

Nationwide

$2,913

$243

Kemper

$2,928

$244

Chubb

$2,928

$244

Travelers

$2,950

$246

Travelers

$2,961

$247

Chubb

$2,984

$249

Travelers

$3,101

$258

Farmers

$3,116

$260

Chubb

$3,238

$270

Nationwide

$3,254

$271

Kemper

$3,261

$272

Kemper

$3,261

$272

State National

$3,270

$273

Hartford

$3,344

$279

State National

$3,524

$294

Allstate

$3,546

$296

State Farm

$3,582

$299

Nationwide

$3,614

$301

Travelers

$3,753

$313

Allstate

$3,759

$313

Chubb

$3,783

$315

Chubb

$3,837

$320

Chubb

$3,893

$324

Nationwide

$3,946

$329

Kemper

$4,122

$343

Kemper

$4,122

$343

State Farm

$4,184

$349

Allstate

$4,193

$349

State National

$4,355

$363

Hartford

$4,538

$378

CSAA

$4,578

$382

CSAA

$4,594

$383

Chubb

$4,695

$391

Kemper

$4,876

$406

Kemper

$4,876

$406

CSAA

$5,089

$424

Nationwide

$5,202

$434

Hartford

$5,286

$440

Hartford

$7,002

$584

Higher rates are often associated with more serious offenses. Drivers in Concord with a DUI, for example, will pay an average of $1,322 more per year for car insurance than drivers with speeding tickets. Fortunately, those with bad driving records can still obtain cheap auto insurance by shopping around.

Cheapest Car Insurance in Concord for Teens and Their Families

The following insurers offer the most affordable policies for teen drivers and their families in Concord:

  • State Farm: $2,662 per year for female and male teens
  • Farmers: $2,807 per year for female and male teens

Nationwide charges female and male teens the most at $5,143 per year. Additionally, because male teens are deemed to be riskier to cover, they generally pay higher rates. For example, GEICO charges male teens $156 more for an insurance policy than female teens. However, this cost discrepancy tends to drop off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,271

$2,034

GEICO

$1,301

$2,082

GEICO

$1,304

$2,293

GEICO

$1,318

$2,188

GEICO

$1,333

$2,133

GEICO

$1,340

$2,357

GEICO

$1,359

$2,491

GEICO

$1,377

$2,421

GEICO

$1,509

$2,246

Progressive

$1,542

$2,441

Progressive

$1,542

$2,441

GEICO

$1,559

$2,566

Progressive

$1,669

$2,642

Progressive

$1,669

$2,642

Capital Insurance Group

$1,673

$2,147

Capital Insurance Group

$1,673

$2,147

Allstate

$1,723

$2,792

Allstate

$1,723

$2,792

Progressive

$1,786

$3,265

Progressive

$1,786

$3,265

Nationwide

$1,788

$3,709

Nationwide

$1,788

$3,709

Allstate

$1,804

$2,923

Allstate

$1,804

$2,923

State Farm

$1,838

$2,694

State Farm

$1,838

$2,694

Allstate

$1,850

$3,247

Allstate

$1,850

$3,247

Allstate

$1,868

$3,028

Allstate

$1,868

$3,028

Progressive

$1,870

$2,960

Progressive

$1,870

$2,960

Capital Insurance Group

$1,905

$2,543

Capital Insurance Group

$1,905

$2,543

Kemper

$1,908

$3,847

Kemper

$1,908

$3,847

State Farm

$1,912

$2,803

State Farm

$1,912

$2,803

Farmers

$1,922

$2,744

Farmers

$1,922

$2,744

GEICO

$1,943

$3,265

State Farm

$1,945

$3,041

State Farm

$1,945

$3,041

State Farm

$1,956

$2,867

State Farm

$1,956

$2,867

Nationwide

$1,960

$4,067

Nationwide

$1,960

$4,067

Capital Insurance Group

$1,982

$2,543

Capital Insurance Group

$1,982

$2,543

Capital Insurance Group

$1,982

$2,543

Capital Insurance Group

$1,982

$2,543

Allstate

$1,983

$3,262

Allstate

$1,983

$3,262

Kemper

$2,015

$4,062

Kemper

$2,015

$4,062

GEICO

$2,019

$3,766

Nationwide

$2,023

$4,651

Nationwide

$2,023

$4,651

State Farm

$2,084

$3,100

State Farm

$2,084

$3,100

Nationwide

$2,101

$4,359

Nationwide

$2,101

$4,359

Kemper

$2,121

$4,777

Kemper

$2,121

$4,777

GEICO

$2,125

$3,163

Travelers

$2,139

$2,900

Travelers

$2,139

$2,900

Farmers

$2,152

$3,182

Farmers

$2,152

$3,182

Kemper

$2,192

$4,418

Kemper

$2,192

$4,418

GEICO

$2,209

$3,635

Capital Insurance Group

$2,212

$2,861

Capital Insurance Group

$2,212

$2,861

State Farm

$2,212

$3,452

State Farm

$2,212

$3,452

Travelers

$2,215

$3,002

Travelers

$2,215

$3,002

Progressive

$2,215

$3,581

Progressive

$2,215

$3,581

Farmers

$2,229

$3,182

Farmers

$2,229

$3,182

Farmers

$2,229

$3,182

Farmers

$2,229

$3,182

State Farm

$2,233

$3,321

State Farm

$2,233

$3,321

Travelers

$2,260

$3,221

Travelers

$2,260

$3,221

Allstate

$2,274

$4,158

Allstate

$2,274

$4,158

Capital Insurance Group

$2,293

$2,861

Capital Insurance Group

$2,293

$2,861

Travelers

$2,308

$3,128

Travelers

$2,308

$3,128

Allstate

$2,311

$3,802

Allstate

$2,311

$3,802

Nationwide

$2,367

$5,099

Nationwide

$2,367

$5,099

Farmers

$2,407

$3,649

Farmers

$2,407

$3,649

Capital Insurance Group

$2,456

$3,177

Capital Insurance Group

$2,456

$3,177

Kemper

$2,457

$5,064

Kemper

$2,457

$5,064

State Farm

$2,459

$4,377

State Farm

$2,459

$4,377

Travelers

$2,521

$3,381

Travelers

$2,521

$3,381

Farmers

$2,602

$4,203

Farmers

$2,602

$4,203

State Farm

$2,607

$4,640

State Farm

$2,607

$4,640

Farmers

$2,626

$3,981

Farmers

$2,626

$3,981

Kemper

$2,661

$5,485

Kemper

$2,661

$5,485

State Farm

$2,662

$5,200

State Farm

$2,662

$5,200

GEICO

$2,684

$4,723

Kemper

$2,684

$6,048

Kemper

$2,684

$6,048

Travelers

$2,736

$3,901

Travelers

$2,736

$3,901

Farmers

$2,739

$5,415

Farmers

$2,739

$5,415

Progressive

$2,762

$5,068

Progressive

$2,762

$5,068

Travelers

$2,778

$3,726

Travelers

$2,778

$3,726

Farmers

$2,807

$5,664

Farmers

$2,807

$5,664

GEICO

$2,813

$5,489

Farmers

$2,815

$5,566

Farmers

$2,815

$5,566

GEICO

$2,877

$5,273

Nationwide

$2,918

$7,049

Nationwide

$2,918

$7,049

Progressive

$2,935

$4,745

Progressive

$2,935

$4,745

GEICO

$2,951

$5,193

GEICO

$3,033

$6,205

Allstate

$3,034

$5,979

Allstate

$3,034

$5,979

GEICO

$3,106

$6,061

Nationwide

$3,112

$6,702

Nationwide

$3,112

$6,702

Allstate

$3,142

$6,298

Allstate

$3,142

$6,298

Capital Insurance Group

$3,152

$3,931

Capital Insurance Group

$3,152

$3,931

Capital Insurance Group

$3,152

$3,931

Capital Insurance Group

$3,152

$3,931

Capital Insurance Group

$3,152

$3,931

Capital Insurance Group

$3,152

$3,931

Progressive

$3,187

$6,443

Progressive

$3,187

$6,443

Allstate

$3,196

$6,298

Allstate

$3,196

$6,298

Progressive

$3,207

$6,499

Progressive

$3,207

$6,499

Progressive

$3,220

$6,509

Progressive

$3,220

$6,509

Travelers

$3,656

$4,918

Travelers

$3,656

$4,918

Travelers

$3,820

$5,138

Travelers

$3,820

$5,138

Travelers

$3,828

$5,392

Travelers

$3,828

$5,392

Kemper

$4,049

$8,258

Kemper

$4,049

$8,258

Nationwide

$4,432

$9,530

Nationwide

$4,432

$9,530

Kemper

$4,435

$9,047

Kemper

$4,435

$9,047

Kemper

$4,476

$10,084

Kemper

$4,476

$10,084

Nationwide

$4,983

$10,715

Nationwide

$4,983

$10,715

Nationwide

$5,143

$12,932

Nationwide

$5,143

$12,932

Since rates are substantially higher for teens if they buy a policy on their own, it's more cost-effective to add a teen to a parent’s existing policy. For example, a 16-year-old male teen in Concord will pay $673 more per year to purchase an individual policy rather than joining a family policy. There are still ways to get the cheapest auto insurance for teens.

Cheapest Car Insurance in Concord for Military Drivers

In Concord, the following insurers offer the cheapest rates for military-affiliated drivers:

  • USAA: $864 per year
  • National General: $983 per year

For a minimum coverage policy, GEICO is the least expensive provider for military drivers at $365 annually. USAA is the second-cheapest provider of minimum coverage policies at $374 per year.

Company
Annual Premium
Monthly Premium

GEICO

$361

$30

GEICO

$365

$30

State Farm

$367

$31

USAA

$373

$31

USAA

$374

$31

GEICO

$428

$36

CSAA

$437

$36

CSAA

$445

$37

Progressive

$446

$37

Progressive

$450

$38

USAA

$453

$38

CSAA

$480

$40

Mercury

$482

$40

State Farm

$485

$40

Mercury

$493

$41

Travelers

$514

$43

Travelers

$515

$43

Progressive

$528

$44

State Farm

$554

$46

State National

$567

$47

Nationwide

$570

$47

National General

$576

$48

Kemper

$579

$48

State National

$583

$49

Travelers

$586

$49

Farmers

$592

$49

National General

$592

$49

Nationwide

$594

$49

Capital Insurance Group

$602

$50

Mercury

$604

$50

Hartford

$609

$51

Farmers

$612

$51

Capital Insurance Group

$623

$52

Allstate

$633

$53

Allstate

$638

$53

Kemper

$668

$56

Allstate

$687

$57

State National

$688

$57

Farmers

$694

$58

Hartford

$697

$58

Capital Insurance Group

$698

$58

National General

$709

$59

Nationwide

$751

$63

Chubb

$759

$63

Chubb

$782

$65

USAA

$843

$70

USAA

$864

$72

Kemper

$881

$73

Hartford

$900

$75

State Farm

$911

$76

GEICO

$975

$81

National General

$983

$82

National General

$996

$83

GEICO

$1,011

$84

Progressive

$1,015

$85

Progressive

$1,020

$85

USAA

$1,034

$86

Chubb

$1,085

$90

Allstate

$1,124

$94

GEICO

$1,163

$97

State Farm

$1,167

$97

Allstate

$1,182

$99

National General

$1,192

$99

Mercury

$1,204

$100

Progressive

$1,224

$102

Mercury

$1,230

$103

State National

$1,237

$103

Capital Insurance Group

$1,265

$105

Hartford

$1,266

$106

CSAA

$1,284

$107

CSAA

$1,288

$107

Allstate

$1,308

$109

Nationwide

$1,314

$110

State National

$1,331

$111

Capital Insurance Group

$1,343

$112

State Farm

$1,364

$114

Travelers

$1,405

$117

CSAA

$1,423

$119

Nationwide

$1,431

$119

Hartford

$1,453

$121

Travelers

$1,476

$123

Kemper

$1,477

$123

Farmers

$1,492

$124

Capital Insurance Group

$1,510

$126

Farmers

$1,523

$127

Mercury

$1,596

$133

State National

$1,636

$136

Travelers

$1,757

$146

Farmers

$1,807

$151

Kemper

$1,814

$151

Chubb

$1,816

$151

Nationwide

$1,871

$156

Chubb

$1,874

$156

Hartford

$1,878

$156

Kemper

$2,200

$183

Chubb

$2,673

$223

How to Compare Cheap Concord Car Insurance Quotes Online

It can take up to 15 minutes to input the personal information required to obtain a car insurance quote. When comparing quotes for multiple companies, this can add up. Fortunately, MoneyGeek’s auto insurance calculator can provide you with a reliable cost estimate based only on your age, vehicle type, level of coverage and driving record.

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Best Car Insurance in Concord: Summary

The best insurer in Concord will vary depending on your preferences and needs. Here are our top picks for various categories:

  • Best overall: GEICO (MoneyGeek score of 74 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company's overall MoneyGeek score may change depending on how different factors are weighted in each area. Moreover, CSAA is the best auto insurance company in California. This suggests that a company's location may have a big impact on the best insurer available.

USAA's high MoneyGeek score of 85 out of 100 makes it a good choice for policyholders affiliated with the military.

Best Overall Car Insurance in Concord

When all aspects are taken into account, we have determined the following to be the top auto insurance companies in Concord:

  • GEICO: MoneyGeek score of 74 out of 100 ($1,011 per year)
  • Progressive: MoneyGeek score of 73 out of 100 ($1,020 per year)

GEICO offers both affordable rates and quality service, showing that insurers don’t have to compromise quality service for cost.

For people with a military connection, such as servicemembers, veterans or their families, USAA, with a MoneyGeek score of 85 out of 100, is another excellent option.

How was this MoneyGeek score calculated?

GEICO

pros

Has excellent affordability and customer satisfaction scores

Offers mechanical breakdown insurance (MIB) coverage and classic cars insurance

cons

Has relatively low ratings for claim management and coverage options

Does not offer gap insurance or deductible modification coverage

COMPANY HIGHLIGHTS

GEICO is the best auto insurer in Concord overall due to its low-priced premiums and quality service. Although some of its competitors provide a wider variety of coverage options, GEICO offers unique ones.

Among these unique coverage offerings include mechanical breakdown insurance (MBI), available for brand-new or leased cars less than 15 months old and with fewer than 15,000 miles. This coverage costs less than the typical dealer-extended warranty and provides better protection by covering all systems and components.

For qualifying vintage or classic cars, the insurer’s classic car insurance offers liability protection, medical coverage and uninsured and underinsured motorist protection. Meanwhile, if your automobile is rendered undrivable for more than 24 hours due to a covered accident, GEICO’s rental car and/or travel reimbursement coverage pays up to a specified amount for a rental car.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Concord for Customer Service

The best car insurance companies in Concord for customer service, irrespective of cost, are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,816 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,343 per year)

While Chubb’s claims management and customer service are top-notch, the insurer charges hefty sums for its policies — it's the most expensive insurer in Concord.

How was this MoneyGeek score calculated?

Chubb

pros

Has an outstanding claims management and customer satisfaction rating

Offers rare coverages like diminished value and original equipment manufacturer (OEM) coverage

cons

Has the most expensive annual premium of the insurers we evaluated

Lacks a lot of common coverages like roadside assistance and accident forgiveness coverage

COMPANY HIGHLIGHTS

While Chubb offers fewer coverage options than its competitors, its available coverages are unique. The insurer hasOriginal Equipment Manufacturer (OEM), diminished value and vintage and antique car insurance coverage.

With OEM coverage, Chubb will cover the cost of replacing your car’s original damaged parts with OEM parts. Additionally, with diminished value coverage, when you sign your car insurance agreement, you will agree on the value of your car. In the event that your automobile is stolen or totaled, Chubb will then give you a check for the agreed-upon price.

Rental car and/or travel reimbursement coverage, while commonly offered by other insurers, is extremely useful. If your car breaks down while you’re traveling away from home, you can rent a vehicle that is identical to the one you already own. It also provides optional coverage limits of up to $5,000 without a daily cap.

Best Cheap Car Insurance in Concord

The top insurers for minimum coverage policies in Concord, based on affordability and customer service, are:

  • GEICO: MoneyGeek score of 78 out of 100 ($365 per year)
  • Progressive: MoneyGeek score of 69 out of 100 ($446 per year)

Minimum coverage policies, while cheaper than full coverage policies, provide the least amount of liability protection and don’t cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

Has the cheapest rates at $365 per year

Offers discounts for insuring multiple cars and safe driving

Has an excellent affordability score and above-average customer satisfaction rating

cons

Does not offer student or paperless discounts

Has a poor claims management rating

COMPANY HIGHLIGHTS

GEICO provides excellent customer service along with affordable rates. In addition to its already affordable premiums, the insurer offers numerous discount opportunities, allowing policyholders to save even more money.

You can lower your rate by bundling insurance policies, like auto, home, mobile, renters or condo insurance. Additionally, GEICO offers discounts if you have been accident-free for five years, insure multiple vehicles or have a full-time student on your policy who maintains good grades.

GEICO also offers rare discounts, including one for fastening your seatbelt. If you have military insurance, you may be able to save money if you're deployed. Discounts are also given to federal employees, teachers, military personnel and elderly drivers, as well as those who belong to a partner alumni, fraternity, sorority or professional group.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Concord

The average cost of auto insurance in Concord is $1,315. This is $50 more expensive than the national average cost of car insurance and $72 cheaper than the average annual cost of auto insurance in California as of October 2022. Location is just one of several factors that influence the cost of auto insurance.

These rates are for a full coverage insurance policy with $100,000 per person bodily injury liability, $300,000 per accident bodily injury liability and $100,000 per accident property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.