Concord, CA Car Insurance

Residents of Concord pay around $53 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Concord area, continue reading our guide below.
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$53
CA$56
United States$80

According to the chart above, the rates you'll pay for coverage in Concord are on par with what you would pay anywhere else in California.

When stacked up against the national average, the average monthly policy payment for Concord is more affordable. On average, it's about $27 less to insure your vehicle in Concord than it is in the rest of the United States.

These may be the average auto insurance rates for Concord, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've broken down average rates for Concord to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, 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$86
25-34$50
35-44$44
45-54Not Enough Data
55-64$43
65+$55

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Concord.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$53

On average, female drivers pay slightly less than male drivers for car insurance. In Concord, however, male and female drivers both pay, on average, $53 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$77
1 Ticket$65
Multiple Tickets$184

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Concord with a single accident will pay around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $65 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$51
4-5 Years$45
6-7 Years$51
8-10 Years$55
11-14 Years$57
15 Years or Older$49

According to the first table above, the cheapest vehicles to insure in Concord are typically trucks and vans, at $46 per month.

Car owners will see a monthly rate of about $55, while SUV owners by and large pay around $49 per month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Concord, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$47
Divorced$44
Widowed$52

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

According to the table above, the difference in rates based on relationship status in Concord can be as much as $9 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$51
Live with parents$85

One other element taken into consideration is your housing status. If you rent your home or apartment in Concord, expect to pay around $3 a month more than if you are a homeowner. 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

Recent trends in car insurance for Concord drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Concord, the rates for auto insurance had been decreasing from 2016-2018, before steadying out in 2019. Rates decreased again recently, hitting a low of $44 in 2021.

How does Concord compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Regional laws
  • Availability of off-street parking
  • Crime levels
  • Total drivers
  • Road Safety (frequency of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer plans in Concord.

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Concord Insurance FAQs

What factors affect car insurance quotes in Concord?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.

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

Local laws, crime rates, and parking situations -- 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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Concord or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes