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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, whereas 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 GEICO as the best auto insurance company in the city.

MoneyGeek Logo Iconbestauto insuranceConcord
2023

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 and 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 rated the best providers in Concord based on average rates, claims ratings, financial stability and user satisfaction. Based on this ranking, the following companies are the top two car insurance providers in Concord:

  • GEICO: MoneyGeek score of 76 out of 100
  • State Farm: MoneyGeek score of 72 out of 100

USAA was not included in our ranking because military members and their families are only eligible for its policies. However, it received a perfect MoneyGeek score, making it the best provider for current or former members of the military.


1
AAA
Score:92

4.6/5

Affordability

5/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With high ratings across the board and a perfect score for claims, AAA is the best insurance company in Concord. A full coverage policy, which includes identity theft coverage, costs $1,213 per year.

More About AAA

AAA provides built-in identity theft coverage, a unique protection that identifies early fraud indicators. Policyholders also get roadside assistance, which helps with fuel delivery, flat tires, battery jump-starting and replacement, car lockout service and trip continuation.

The company offers optional automobile rental reimbursement coverage. This coverage pays for vehicle rental or public transit expenditures if your automobile is not drivable or is in the shop for repairs following a loss.

Read MoneyGeek's AAA auto Insurance Review
2
Esurance
Score:86

4.4/5

Affordability

3.7/5

Claims

4.2/5

User Satisfaction

4.5/5

Financial Stability

3
GEICO
Score:84

4.1/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:78

3.9/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

5
MetLife
Score:74

3.5/5

Affordability

4.1/5

Claims

3.5/5

User Satisfaction

4.5/5

Financial Stability

6
State Farm
Score:73

3.3/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Esurance is the second-best car insurance provider in Concord. A full coverage policy for a 40-year-old driver costs an average of $1,016 per year. The company offers custom parts coverage, a unique add-on.

More About State Farm

Esurance’s custom parts and equipment add-on protects aftermarket upgrades, such as custom sound systems and grills. Esurance also offers gap insurance, which pays up to 25% more than the actual cash value of your automobile to help you pay off your loan or lease.

Other Esurance coverages include rideshare insurance, roadside assistance and rental car or travel reimbursement.

Read MoneyGeek's State Farm auto Insurance Review
7
Mercury
Score:58

2.5/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

8
Allstate
Score:57

2.3/5

Affordability

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

9
Travelers
Score:51

1.8/5

Affordability

4.2/5

Claims

3.6/5

User Satisfaction

5/5

Financial Stability

10
Farmers
Score:45

1.5/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

11
Hartford
Score:29

0.2/5

Affordability

4.5/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

12
Allied
Score:22

1.6/5

Affordability

NaN/5

Claims

NaN/5

User Satisfaction

NaN/5

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

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.