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7+ years writing insurance and personal finance content
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
Antioch drivers pay an average of $148 per month for car insurance in California. That breaks down to an average of $88 per month for liability-only policies and $207 for full-coverage policies.
Auto insurance costs in Antioch are relatively affordable compared to nearby San Francisco, where drivers face average costs of $166 per month. But it’s more expensive than down the road in Brentwood, where drivers pay an average of $126 monthly.
A large number of super-commuters and elevated car theft rates, per Insurify data, may contribute to above-average prices in Antioch.[1]
The state of California requires every driver to carry a minimum amount of auto insurance. This includes at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.[2]
After an accident you cause, liability-only coverage can help you pay to repair the other driver’s vehicles and their medical bills. On average, liability insurance costs $88 per month for Antioch drivers. That’s slightly less than the California state average of $97.
The following table shows the cheapest liability car insurance rates in Antioch.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $65 |
| Aspire General | $69 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Root | $86 |
| Direct Auto | $88 |
| Allstate | $90 |
| Farmers | $92 |
| Anchor | $95 |
| Bristol West | $100 |
| State Farm | $100 |
| Kemper Special | $104 |
| Travelers | $105 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $179 |
Liability quotes start at $65/mo.
Antioch drivers pay an average of $207 per month for full-coverage policies. But Aspire General and Root offer cheaper average rates. This type of policy includes collision coverage and comprehensive coverage, on top of your liability coverage. With relatively high theft rates in the area, it might make sense to opt for this more robust coverage.
The table below highlights the cheapest rates for full-coverage car insurance in Antioch.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $121 |
| Root | $134 |
| Mercury | $140 |
| GEICO | $141 |
| USAA | $144 |
| Kemper Special | $158 |
| Kemper Rsvp | $161 |
| Sun Coast | $167 |
| Anchor | $177 |
| Dairyland | $191 |
| National General | $194 |
| Allstate | $199 |
| Farmers | $205 |
| Bristol West | $213 |
| Direct Auto | $213 |
| State Farm | $221 |
| Travelers | $233 |
| 21st Century | $253 |
| First Acceptance | $339 |
| Chubb | $394 |
Compared to the rest of California, Antioch drivers pay slightly more for car insurance. But luckily, Antioch doesn’t have the highest car insurance rates in the state. For example, drivers in Glendale pay the highest average rates, at $263 per month.
Antioch might have cheaper rates than larger cities, like San Francisco and Los Angeles, due to its lower population density and distance from the coast.[3]
Take a look at average monthly car insurance costs across other California cities in the table below.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Antioch drivers pay slightly more for car insurance than other drivers in the Golden State. Antioch is a popular bedroom community for people working in Oakland and San Francisco, and drivers have an average commute of 42 minutes, according to a study done by the Metropolitan Transportation Commission (MTC). This long commute plays a role in these elevated rates.
Additionally, Contra Costa County, home to Antioch, sees some of the highest rates of auto theft in the nation, according to Insurify data, which may increase car insurance costs.
*Quotes generated for Insurify users in and around Antioch, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Antioch, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers with an incident pay more for car insurance than people with a clean driving record because insurers consider them a higher risk to insure. Here’s a look at the cheapest car Antioch insurance companies for liability coverage by driving history, according to Insurify data.
Cheapest car insurance for Antioch drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Antioch: USAA
Cheapest car insurance for Antioch drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Antioch: USAA
California is an at-fault state, which means you’ll have to pay for the other driver’s medical bills and car repairs if you cause an accident.[4] Beyond those costs, you might face higher car insurance rates after an incident like an accident or speeding ticket.
In Antioch, 4% of drivers have a speeding ticket, 5% have an accident on their record, and 0.92% have a DUI, according to Insurify data. The table below highlights the average monthly insurance costs for Antioch drivers by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $148 |
| Speeding ticket | $188 |
| At-fault accident | $189 |
| DUI | $201 |
Antioch has offered refuge to commuters for many years. Back in 2020, the city was called the “last bastion of the good commute” in the Bay Area. The average worker in Antioch commutes 42 minutes one way. But 12% of the workforce are considered super-commuters with commutes of 90 minutes or more, according to the MTC study.
With so many people spending so much time on the roads, it’s not surprising that Antioch deals with significant traffic congestion. That’s especially true on SR-4 and SR-160. Ongoing construction has also been causing significant delays near the Antioch Bridge.[5]
A relatively high number of uninsured drivers on the road also plays into the costs of driving in Antioch. In a recent estimate, the Insurance Research Council found that approximately 20% of California drivers are uninsured.
In addition to the large number of commuters and super-commuters making their way into the Bay Area each day, the SR-4 is a popular route for truckers. When you add big rigs to the mix, this clogged highway sees a lot of congestion and plenty of car accidents, which affects rates for everyone.[6]
You can avoid some of the worst traffic by avoiding rush hour or by taking the Bay Area Rapid Transit system to work. Driving less and taking public transit can help lower your rates.
Monthly rates start at $82 for drivers with an incident
With limited experience on the road, teen drivers pay the most for car insurance out of any age group. Antioch teens pay monthly averages of $157 for liability policies and $369 for full-coverage policies.
At age 15 and a half, California teens can get a learner’s permit if they complete a driver education class. After 50 hours of supervised driving with a licensed adult over a period of at least six months, 16-year-olds can obtain a provisional license.[7]
The table below shows the cheapest rates for teenage drivers in Antioch.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $118 |
| Aspire General | $123 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $128 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $169 |
| Bristol West | $174 |
| Anchor | $180 |
| Farmers | $181 |
| Kemper Special | $185 |
| State Farm | $191 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $215 |
| First Acceptance | $275 |
| Chubb | $361 |
Seniors represent 14% of Antioch’s population.[8] And as in other parts of California, older drivers in Antioch typically pay the lowest car insurance rates due to their years of experience behind the wheel.
On average, Antioch seniors pay $80 per month for liability coverage.
The table below highlights the cheapest liability insurance rates for senior drivers in Antioch.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $54 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $63 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $74 |
| Farmers | $75 |
| Anchor | $78 |
| State Farm | $81 |
| Root | $81 |
| Bristol West | $86 |
| Travelers | $86 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| Chubb | $139 |
| First Acceptance | $140 |
If you have additional questions about car insurance in Antioch, California, the following answers may help.
USAA has the most affordable car insurance rates for Antioch drivers, averaging $65 per month. Aspire General offers the most affordable full-coverage rates, averaging $121 per month.
If you’re caught driving without insurance in Antioch, your driving privileges may be suspended for up to four years.
You can find the best car insurance quotes as an Antioch driver by shopping around.
If possible, bundle other types of insurance, like home or renters, with your car insurance, to lock in a discount. If you can afford it, increasing your deductible may also lower your costs.
In California, GEICO’s average liability rate is $70 per month, while AAA’s average liability rate is $${AUTO_CARRIER_CSAA_LIABILITY_STATE_CA_PRICE} per month.
Relatively high rates of stolen vehicles and long commutes likely push car insurance rates in Antioch higher. Additionally, California’s high rate of uninsured drivers affects car insurance rates statewide.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
