Find Car Insurance in Antioch, CA
What You Should Know About Car Insurance in Antioch, California
Antioch is a suburb of Oakland, which even though a city in its own right, is still part of the San Francisco Bay Area. It is considered an expensive, yet desirable, place to live with some of the best public schools in California. Antioch is also known for its plentiful parks, so it attracts plenty of young professional families.
Located on the San Joaquin River, the city offers its residents plenty to do, with many families choosing to walk, run or bike along the Contra Loma Park Trail. Kayaking is available, as well as fishing and having a meal at Marina Plaza. Antioch Dunes National Wildlife Refuge is a trip to another world filled with sand dunes along the river. There are plenty of options for foodies in Antioch, as well, including fresh seafood.
It is home to many national manufacturers who have large plants there, including Big Sky Logos and Embroidery and Bohemia Cabinets.
Young families flock to this city of around 115,000 residents and there is plenty to do and see. If you will be driving in Antioch, be sure you have the state-required car insurance. At InsureOne, agents are standing by to help you find the best car insurance at flexible costs and with white-glove service.
How Much Does Car Insurance Cost in Antioch, California?
The minimum liability insurance in this city averages $53 monthly for a male, aged 30, with a clean driving record. Of course, your rate will differ slightly based on your own specific factors. That’s very close to the nationwide average of $53 per month.
For higher limits of protection, such as purchasing full coverage with $100K/$300K/$100K policy limits, the average is $195 per month, compared to a national average of $168 and a state average of $216.
Why is Insurance so Expensive in California?
California’s overall cost of living is higher than many states, which is one reason insurance – and almost everything else – costs more. The state is crowded, which leads to congestion and more accidents on the roads. Because California is a beautiful place to live, many people have moved here for opportunities.
The Golden State is also prone to natural disasters, including earthquakes, mudslides and wildfires. Paying for damages from these events has cost insurers plenty of money, leading to some even pulling out of the state altogether.
If you are looking for the best car coverage to protect what is important, contact your neighborhood InsureOne agent. We will listen to what you need and research the best options for you.
Car Insurance Rates Comparison by Zip Code in Antioch
There are only two zip codes in the Antioch area, so for this specific factor, most people will average the same amount.
Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
94509 | $195 | $53 |
94531 | $198 | $51 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Antioch
There are good reasons to consider bundling your auto and home insurance. First, of course, is the financial savings. Who doesn’t like to get a little shaved off their premium?
When you add homeowners insurance to your car policy, you may be able to get up to 25% off. Your insurer is happy to reward you with your loyalty, plus it costs less to administer two policies together. Bundling renters insurance with auto may be worth 15% off.
It’s not only easier for your carrier – you too will find it easier to pay one bill instead of two or if you need to file a claim. Bundling options grow with you as your life changes over time, so when it’s time to purchase an ATV or a boat, ask your neighborhood agent what bundles are available.
What Types of Car Insurance Discounts are Available in Antioch?
Insurers are competitive and want to attract your business. One of the ways they do this is by offering the best discounts. You may be eligible for one or more to help take a little more off that premium. Check with your agent if your life circumstances change, so you can find out if you are entitled to new or better discounts. Some of the more common ones include:
- Customer Retention Discount
- Anti-Theft Discount
- Military Discount
- Senior Citizen Discount
- Auto Pay Discount
Notable Car Insurance Laws in Antioch
Laws about driving in California extend to Antioch. This means all drivers must obey the rules of the road, including having a current insurance policy in place before getting behind the wheel. Keep reading to learn about the specifics.
What are the Mandatory Car Insurance Requirements in Antioch?
The minimum legal requirement for car insurance in California is:
- Bodily Injury Liability: $15,000 for one person and $30,000 for two or more people per accident
- Property Damage Liability: $5,000 per accident
Compared to most states, these limits are not high. In fact, they may not even come close to providing the protection you need if you cause an accident. You may not think you will cause an accident, but unfortunate events happen. For example, if you get caught driving in a storm, you could hydroplane into someone else, causing damages and possibly injuries.
These minimum amounts will not go far if you wreck someone’s brand new Mercedes. With repair costs today, you may find yourself dipping into your own bank account to cover anything over $5,000. Most people decide to increase these limits to a more reasonable place.
Keep in mind with only basic liability, you will not receive any financial help to pay for your own injuries and damages. That will also come out of your pocket. Many drivers choose full coverage, which includes first-party protection like collision coverage. This will cover the costs of repairs to your own vehicle even if you caused the accident.
What is the Penalty for Driving without Insurance in Antioch?
First time offenders who get caught driving without coverage in Antioch will see fines of up to $200 and penalty assessments that could take the total up to $1,000. The costs only go up from there, should you continue to drive without and get caught. If you rack up enough citations, the state will suspend your license. In order to get it back, you’ll likely need to purchase SR-22 insurance, which is much higher than regular insurance.
Factors That Determine Your Insurance Premiums in Antioch
You probably already know your insurance agency will look at your age and driving history to give you the best insurance quote in Antioch, but there are plenty of other factors they examine as well. Luckily for Californians, the state made it illegal for insurers to consider credit scores. Here are some of the other items they take into consideration:
- Gender: It matters. According to studies, males tend to be riskier to insure than females, so your rates will reflect that statistic.
- Marital Status: Insurers like to point to random studies that show married people are more responsible and therefore, less likely to get in a wreck and file a claim.
- Coverage Levels: The more insurance you buy, the more it will cost. Work with a trusted agent to weigh your coverage options against your premium cost.
- Vehicle: Is your car a basic model proven to be reliable and safe? Or are you driving an expensive sports car with hard to find parts? It matters to your insurer.
Here’s What You Need to Know When Driving in California
Depending on where you go in California, you may be driving on winding mountain roads in a blizzard or facing a scorched desert in the south-central parts of the state. Luckily, drivers in Antioch don’t have to deal with either of those extremes.
Typical Driving Conditions in Antioch
Residents of Antioch don’t have to face blizzards or scorching heat. The climate is warm in the summer and doesn’t even get below freezing very often in the winter. Located next to the San Joaquin River Delta will make things humid in the warmer months and drivers may need to tackle fog.
Although there are large manufacturing plants and the associated workforces, most of the drivers live in the area. As a mostly residential area with a small downtown, the driving conditions are normally easy.
How Many Car Accidents Happen in Antioch Per Year?
The California Office of Traffic Safety (OTS) reported 202 fatal and injury car crashes in 2021 in Antioch. Of that, 19 involved alcohol and 46 were related to speed.
Crash Category | VICTIMS KILLED & INJURED | OTS RANKING |
---|---|---|
Total Fatal and Injury | 202 | 52/60 |
Alcohol Involved | 19 | 54/60 |
Motorcycles | 20 | 20/60 |
Pedestrians | 13 | 53/60 |
Bicycle | 5 | 57/60 |
How Many Uninsured/Underinsured Motorists are in Antioch?
Are you on the fence about adding uninsured motorist (UM) coverage to your policy? It is not required in California, but for the price, it is a great deal when it comes to protecting you financially.
At any given time, one out of every seven drivers around you are driving without insurance in the U.S. The stats are even higher in California. Some of California’s cities are at the top of the list for most uninsured drivers in the nation, including San Francisco, which comes in at number 2 in the list of 10 least insured cities in the country. That’s getting awfully close to Antioch.
UM actually costs pennies a day, with total averages anywhere in between $75 to $135 annually. That’s not much considering the medical and repair bills that could result from an accident caused by an uninsured driver – or worse, a hit and run. Ask your neighborhood InsureOne agent about adding it to your policy.
Get Covered by the Best Car Insurance in Antioch, CA Today
If you want the best coverage with fair prices and white-glove service, call or visit your local InsureOne agency. We offer flexible and customized policies, plus we do the shopping for you so you can spend some time with the family at Antioch Speedway, watching those dwarf cars tear up the track.
Find out why your neighbors in Antioch are buying their insurance from InsureOne. Get a quote online, visit us at an office near you, or call us at (800) 836-2240 for a quote.