Concord, CA Car Insurance

Drivers in Concord pay, on average, $52 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates should residents of Concord expect to pay for their car insurance? Are rates in Concord higher or lower than those in neighboring areas? How do they compare to the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Concord?

Area Average Monthly Car Insurance Premium
Concord$52
CA$56
United States$81

Compared to the rest of the California, coverage in Concord is about $4 a month cheaper.

Compared to the national average cost of auto insurance coverage, Concord has lower rates. It's about $29 cheaper than the national average to insure your vehicle in Concord.

These rates may be the average amount drivers in Concord pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Concord so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$135
18-24$81
25-34$49
35-44$43
45-54Not Enough Data
55-64$43
65+$53

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Concord drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$51

Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Concord is only about $2 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$63
1 Ticket$63
Multiple Tickets$107

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Concord with a single accident on their record will usually see rates around $63 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$51
4-5 Years$44
6-7 Years$50
8-10 Years$55
11-14 Years$57
15 Years or Older$48

In terms of affordable coverage, the cheapest vehicles to insure in Concord are typically trucks and vans, at $46 per month.

Car owners will see a monthly premium of about $54, while SUV owners usually pay around $47 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Concord, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$46
Divorced$44
Widowed$51

More often than not, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Concord as well, where the difference is around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$50
Live with parents$82

Another factor taken into consideration is your housing situation. Those who own their own home in Concord can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Concord, CA

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Auto insurance rates in Concord have been steadily decreasing, reaching a low of $46 in 2022.

How does Concord compare to neighboring areas?

Why are car insurance rates in Concord different from other areas?

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Off-street parking accessibility
  • General road safety (how many accidents each locality has)
  • Amount of drivers in the region
  • Regional crime rates
  • Regional laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Concord?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Concord.


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Concord Insurance FAQs

What factors affect car insurance quotes in Concord?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Concord different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Concord?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Concord?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Concord or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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