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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Concord?


Car insurance costs an average of $1,765 per year in Concord, California. That's cheaper than the average in California ($1,868) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Concord.

Concord Average (annual) California Average United States Average
$1,765 $1,868 $1,548
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Concord car insurance rates by insurance company


The difference in auto insurance rates from company to company can be substantial. In Concord, GEICO offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Concord. Don't forget to get car insurance quotes based on your unique driving profile.

Insurance Company Average Annual Rate
GEICO $1,213
Mercury $1,391
AAA $1,448
State Farm $1,832
CSAA $1,860


Auto insurance premiums by age in Concord

The age group that enjoys the lowest auto insurance rates in Concord are drivers in their 50s, who pay an average of $1,589 per year. Rates for Concord drivers in their 60s are also relatively affordable, at just $1,590 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Concord. One of the most effective ways to get cheaper car insurance rates as a driver in Concord is to celebrate your 20th birthday. In Concord, teenage drivers pay $6,592: $5,002 more than the second-most expensive rate paid by an age group.

Age tier Average Annual Rate
Teenagers $6,592
20s $2,624
30s $1,717
40s $1,661
50s $1,589
60s $1,590
70s $1,861


Concord auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Concord pay $76 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Concord, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Concord, female drivers pay $2 per year more than do male drivers.

Gender/Marital Status Average Yearly Rate
Female $1,767
Male $1,765
Single $1,689
Married $1,689
Divorced $1,765
Widowed $1,717


Concord auto insurance costs by violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Concord, a reckless driving citation results in an average insurance rate increase of $2,961 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,846 increase and a speeding ticket triggers a $719 rate hike.

Violation Average Annual Rate
DWI/DUI $4,611
Reckless Driving $4,726
At-fault Accident (damages < $1,000) $1,774
At-fault Accident (damages > $2,000) $3,125
Speeding Ticket (16-20 mph over speed limit) $2,485


Concord car insurance rates by credit score


In many cases, a driver's credit level is closely correlated with their auto insurance rates. However, California doesn't allow car insurance companies to rate policies based on a driver's credit history.

Compare car insurance rates.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.