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.
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.
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.
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.
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.
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.
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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See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Has excellent affordability and customer satisfaction scores
Offers mechanical breakdown insurance (MIB) coverage and classic cars insurance
Has relatively low ratings for claim management and coverage options
Does not offer gap insurance or deductible modification coverage
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.
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?
Has an outstanding claims management and customer satisfaction rating
Offers rare coverages like diminished value and original equipment manufacturer (OEM) coverage
Has the most expensive annual premium of the insurers we evaluated
Lacks a lot of common coverages like roadside assistance and accident forgiveness coverage
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?
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
Does not offer student or paperless discounts
Has a poor claims management rating
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.
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