Best cheap car insurance in Antioch for 2021

1
Sinisa Kukic/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Antioch is home to nearly 111,000 residents, averaging two cars per household. Commute times for the residents of the smaller Bay Area city are long — the average drive time to work is nearly 45 minutes. When you spend as much as an hour or more per day in your vehicle, your chances of being involved in an accident may be higher. Luckily, the best car insurance in Antioch may be more affordable than you think.

Bankrate’s vehicle coverage quote study found that the average cost of car insurance in Antioch, California, is $740 per year for minimum coverage and $2,170 for drivers who opt for full car insurance. On closer inspection, some providers had even lower rates than the average. We looked at dozens of companies providing car insurance Antioch to find the cheapest carriers but did not stop there. To narrow the list down further, high customer satisfaction ratings and coverage options helped us name four carriers as the best car insurance companies in Antioch.

Best car insurance companies in Antioch

Four carriers stood out for having a combination of cheapest car insurance in Antioch, coverage accessibility for nearly any type of vehicle owner and a solid reputation for outstanding customer service. To reference customer service, we looked at the NAIC’s complaint database and worked with J.D. Power’s 2021 customer satisfaction study, which is based on customer responses about how their vehicle insurance provider performed.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $500 $1,688
Grange Not rated $513 $1,830
Wawanesa 853 / 1,000 $620 $1,603
Travelers Not rated $631 $1,788

Geico

Geico has the cheapest car insurance in Antioch based on average premiums of $500 for minimum coverage. That amounts to a little less than $40 per month for excellent coverage from a company with a high customer satisfaction rating. Full coverage is also cheap at $1,688 per year. The secret to Geico’s low rates could be the number of discounts provided. The carrier has 16 ways you can save more on car insurance, and that list does not even include the affinity discounts available to employees and members of organizations that have partnered with Geico.

Grange

Grange Insurance does not rank in the J.D. Power study but has a good reputation for quality, affordable coverage. Grange is not the cheapest when it comes to full coverage, but the carrier offers unique discounts that could help you lower the cost of a full insurance package. OnTrack telematics helps you save money based on your driving habits. New Beginnings lowers your premiums after a divorce, and the Safety Tech discounts lowers your rate when you buy a newer vehicle fitted with the latest in safety equipment, such as collision avoidance and lane departure prevention systems.

Wawanesa

Wawanesa Insurance is consistently among the top scorers of the J.D. Power customer satisfaction study for the California area. Vehicle owners who are required to have full car insurance until they finish paying off their vehicle or because they lease will find the cheapest full coverage premiums with Wawanesa. Rates are $1,603 per year for full coverage. However, you may be able to beat the average by taking advantage of discounts such as driver training, multi-car and loyalty.

Travelers

If you do not mind paying a bit more for car insurance to have a wider range of optional coverages, Travelers may be the best choice. Addons such as Accident Forgiveness could help you save money in the long run by forgiving one claim. In addition, you could buy gap coverage with Travelers as well as new car replacement insurance and rideshare coverage.

Cheapest car insurance in Antioch

As mentioned, the average cost of car insurance in Antioch is $740/$2,170 for minimum/full car insurance. California’s average annual full insurance premiums are slightly less at $2,065. However, there are carriers that have lower rates. The following insurance companies in Antioch offer the cheapest car insurance for 12 months of coverage.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $500 $1,688
AAA $507 $2,041
Travelers $631 $1,788
Mercury $641 $1,813
Progressive $679 $1,884

Geico has the lowest rates of all five carriers for minimum and full car insurance. AAA is cheap but only available to members who pay an annual fee. For insurance options, consider Travelers or Progressive — they may not be the cheapest, but they offer plenty of discounts and add-ons. Mercury car insurance may be your best bet if you need an SR-22 or you are getting quoted very high rates due to your driving record.

Antioch insurance requirements

The California DMV requires all drivers to have a valid insurance policy with a minimum amount of liability coverage of:

  • Death/bodily injury: $15,000 per person and $30,000 per accident
  • Property damage: $5,000

Liability insurance only provides reimbursement for damages you cause to other parties. If your vehicle requires repairs, you would have to pay for them out of pocket if you do not have full car insurance.

Car insurance discounts in Antioch

Residents of Antioch should look at what discounts a carrier offers to further lower their premiums. Geico and Grange both have over a dozen ways to save. Some of the most popular discounts for Antioch drivers include:

  • Low mileage: Driving less is great for the environment — and your wallet if it makes you eligible for a discount.
  • Bundling: When you buy car insurance from the same carrier as your home or renters coverage, you could earn a discount for bundling.
  • Hybrid/electric vehicle: Some carriers offer a discount for owning an alternative fuel vehicle.
  • Defensive driver training: There are inexpensive online courses available that can help you brush up on your driving skills. And if you pass an approved one, your carrier could give you a discount.

To maximize your savings, take advantage of as many discounts as you can qualify for. Carriers typically let you stack reductions. For example, hybrid vehicle owners who bundle home and auto coverage and drive less than 10,000 miles per year could earn a sizable discount by taking advantage of at least three types of discounts.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies in Antioch will depend on what you need from an insurance provider. Get several quotes and compare options to narrow down your decision.

Who has the cheapest car insurance in Antioch?

According to Bankrate’s findings, the cheapest car insurance in Antioch for minimum coverage is Geico at an average of $500 per year. For full coverage, Wawanesa is the lowest-cost of the best car insurance companies in Antioch with an average rate of $1,603 annually.

How much car insurance do I need in Antioch?

To legally drive in Antioch, you will need liability insurance of $15,000 or more in death/bodily injury per person, $30,000 per accident and $5,000 for property damage. However, many people consider raising the limits above the minimum for more financial protection in case of a serious accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Loans Editor