Concord, CA Car Insurance

The Zebra
July 25, 2019

Car Insurance in Concord

Premiums in California surpass the national average by 20%, which is why the state is recognized for its costly rates. Premiums also run high in the city, so it is especially important to cut costs while insuring a vehicle in Concord. Who doesn't like to save money? Check out some ways to save on car insurance in Concord.

  • City Average: $1,586
  • State Average: $1,713
  • National Average: $1,427

Concord Car Insurance by Age

The most significant reduction in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Concord start paying 61% less in premiums. While insurance rates for drivers will continue to shrink through their 60s, they should anticipate an increase when they hit 70. Drivers in their 60s save money on premiums, as they have the lowest rates among all age groups, paying only $1,362 every year. However, people in their 50s ($1,396) aren’t paying much more. Teenage drivers have the highest rates of any age group, with car insurance payments of $5,958 on average.

  • Teenagers: $5,958
  • 20s: $2,327
  • 30s: $1,557
  • 40s: $1,507
  • 50s: $1,396
  • 60s: $1,362
  • 70s: $1,519

Concord Car Insurance by Gender and Marital Status

In Concord, both gender and marital status can play a role in your car insurance premiums. However, the amount by which men's and women's car insurance premiums vary is trivial. Being single, as opposed to married, can cost you approximately 4% more per year on car insurance. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,588
  • Male: $1,586
  • Single: $1,586
  • Married: $1,518
  • Divorced: $1,586
  • Widowed: $1,523

Concord Car Insurance by Accident or Violation History

Do you have an accident or violation history? That can cost you in terms of premiums. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. For those in Concord with at-fault accidents, car insurance is an average of $917 more per year. In Concord, drivers with either a DUI or reckless driving offense need to spend nearly triple the average for the city to insure their vehicle.

  • DUI: $4,514
  • Reckless Driving: $4,514
  • At-fault Accident (damages less than $1000): $2,503
  • At-fault Accident (damages greater than $2000): $2,503
  • Speeding Ticket (16-20 mph over speed limit): $2,156

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance every year.

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