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 CAR INSURANCE RATES
|Concord Average (annual)||California Average||United States Average|
Compare rates side-by-side:
Concord car insurance rates by insurer
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.
CONCORD AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Auto insurance premiums by age in Concord
The age group that enjoys the lowest auto insurance rates in Concord are drivers in their age_50s, who pay an average of $1,589per year. Rates for Concord drivers in their age_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 — a full $5,002 more than the second-most expensive rate paid by an age group.
CONCORD AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
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.
CONCORD CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
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.
CONCORD CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Annual Rate|
|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. In fact, Concord drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Concord, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
CONCORD CAR INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Annual Rate|