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How much is car insurance in Antioch?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Antioch | $55 |
| CA | $56 |
| United States | $81 |
Based on the chart above, it costs about the same to insure your vehicle in Antioch as it does in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Antioch are below the national average. On average, it's about $26 less to insure your vehicle in Antioch than it is in the rest of the United States.
While these are the average car insurance rates for Antioch, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Antioch and broken down the different factors to help you understand what your monthly bill might look like. 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 | Not Enough Data |
| 18-24 | $87 |
| 25-34 | $48 |
| 35-44 | $48 |
| 45-54 | Not Enough Data |
| 55-64 | $43 |
| 65+ | $45 |
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Antioch.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $58 |
| Female | $51 |
Female drivers pay, on average, slightly less than their male counterparts. This is true in Antioch, where women pay around $7 less per month. Based on the chart above, you can see that female drivers pay around $51 on average, while male drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $72 |
| Multiple Accidents | $78 |
| 1 Ticket | $60 |
| Multiple Tickets | $63 |
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Antioch, having a single accident on your record will usually get you rates around $72 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $54 |
| 2-3 Years | $45 |
| 4-5 Years | $49 |
| 6-7 Years | $50 |
| 8-10 Years | $57 |
| 11-14 Years | $57 |
| 15 Years or Older | $56 |
If you look at the first table above, the cheapest vehicles to insure in Antioch are typically trucks and vans, at $48 per month.
Car owners, on the other hand, by and large pay around $57 a month, while SUV drivers can expect to pay about $52 per month for insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Antioch are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $59 |
| Married | $45 |
| Divorced | $46 |
| Widowed | $43 |
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Antioch reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $50 |
| Rent | $54 |
| Live with parents | $78 |
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $4 a month more than those who own their own home in Antioch. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Antioch, CA
Recent trends in car insurance for Antioch drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Antioch, the rates for car insurance decreased from 2017-2018, before steadying out in 2019. Rates decreased again, hitting a low of $48 in 2021, and finishing up at $55.
How does Antioch compare to neighboring areas?
Why are car insurance rates in Antioch different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road safety
- Area laws
- Total number of drivers in the area
- Amount of off-street parking
- Regional crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Antioch?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Antioch.
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Antioch Insurance FAQs
What factors affect car insurance quotes in Antioch?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Antioch different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Antioch?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Antioch?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Antioch or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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