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Auto Insurance in Antioch, CA (The Complete Guide)

City StatsDetails

Population Density4,144 people/square mile
Average Annual Cost of Insurance$5,111.80
Cheapest Car Insurance CompanyProgressive
Road ConditionsPoor share: 71%
Mediocre share: 16%
Fair share: 6%
Good share: 6%
Vehicle operating costs: $1,049
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Car insurance costs continue to rise, and if you don’t do your homework, you could miss saving money. On top of that, looking up information can seem time-consuming, and the amount of information available may make the process feel overwhelming.

This complete guide to car insurance in Antioch is here to make your life easier. It offers everything you need to make an informed buying decision. We’ve done all the hard work for you. You’ll learn about average auto insurance monthly costs, what goes into setting them, local laws, statistics, and so much more.

So get ready to learn more about car insurance coverage, costs, and everything in-between. But, first, if you’re ready to start comparing prices, enter your zip code in the box above.

Table of Contents

The Cost of Car Insurance in Antioch

Cost is one of the biggest concerns for car insurance shoppers. And with the average price of a full coverage auto insurance premium in Antioch a whopping $5,111.80 yearly, you may feel pressure to find a bargain.

You might find yourself asking how does my Antioch, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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To help you save money, we’ll go over the factors that affect car insurance rates, local laws, and more information. We partnered with Quadrant to give you the data in the sections below.

If you’re ready, scroll onward to find out more.

– Male vs. Female vs. Age

Data USA reports that the median age in Antioch is about 40 years (39.7, to be exact).

California numbers among a few states (Hawaii, Montana, Massachusetts, Pennsylvania, North Carolina, and parts of Michigan) that outlaw basing car insurance rates on gender.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Antioch, CA.

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Antioch, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The news report below goes into more detail about the recent ban in California:

Gender and age have affected the cost of auto insurance premiums in Antioch; we’ll go over results from the post below. First, let’s find out which age groups pay the cheapest rates.

35601725Cheapest RateCheapest Age
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As you can see, seasoned drivers pay less than younger, less experienced drivers. Between the youngest drivers at age 17 and older drivers at age 60, on average, the difference amounts to more than $5,000.

Now, let’s see if there have truly been any rate differences between genders in Antioch.

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Perhaps not too surprisingly, female drivers pay lower premiums than males. Based on higher accident rates, insurers can see male drivers as riskier to insure. But as we mentioned, going forward, this form of rate discrimination is becoming a thing of the past in California. Here’s how rates vary for single versus married drivers of different ages and sexes:

DemographicRate (Cheapest)
Married 35-year old female$2,592.10
Married 35-year old male$2,548.29
Married 60-year old female$2,279.73
Married 60-year old male$2,288.05
Single 17-year old female$6,414.91
Single 17-year old male$7,790.73
Single 25-year old female$3,244.36
Single 25-year old male$3,344.72
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Again, insurers charge 17-year-olds higher rates than older drivers regardless of gender. Rates generally tend to decrease dramatically by age 25 and continue to lower as a driver age.

– Cheapest Zip Codes in Antioch

Where you live is a major factor in the cost of your car insurance premiums. As you’ll notice below, they can even vary by zip code in the same city.

Check out the monthly Antioch, CA auto insurance rates by ZIP Code below:

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CityZipAverage Annual Rate
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Check your zip code above to see if you pay the highest or the lowest rates in Antioch.

– What’s the Best Car Insurance Company in Antioch?

That probably seems like a loaded question, especially given the many insurers out there. This section will help you decide which company is the right one for you. We’ll explore car insurance rates by company, commute, coverage level, credit history, and driving record.

– Cheapest Car Insurance Rates by Company

Here we’ll look at rates each of the top insurers charge on average in Antioch.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
Liberty Mutual$2,288.33$2,168.13$2,128.73$2,062.92$5,025.21$5,336.85$2,583.31$2,602.35$3,024.48
State Farm$3,696.66$3,696.66$3,303.16$3,303.16$6,792.63$8,420.52$4,092.17$4,220.44$4,690.68

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Overall, Geico and Progressive charge the lowest rates across the board for all ages, marital statuses, and genders. State Farm comes out as the most expensive insurer.

– Best Car Insurance for Commute Rates

The number of miles you drive regularly also factors into your car insurance premiums. In California, drivers average 13,414 miles annually.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
Liberty Mutual$2,777.04$3,271.92$3,024.48
State Farm$4,520.78$4,860.57$4,690.68
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USAA and Progressive have the lowest car insurance commute rates, but even with those insurers, the difference between a ten-mile and a 25-mile commute amounts to more than $400.

– Best Car Insurance for Coverage Level Rates

The amount of coverage you buy, whether you get the minimum liability required or full coverage, affects how much you pay. Let’s see how much prices vary based on the different coverages available.

Your coverage level will play a major role in your Antioch auto insurance rates. Find the cheapest Antioch, CA auto insurance rates by coverage level below:

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Liberty Mutual$3,197.33$2,825.40$3,050.71$3,024.48
State Farm$5,055.33$4,250.97$4,765.73$4,690.68
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Again, USAA and Progressive have the lowest rates. Between these two insurers, the cost difference between low and high coverage is $400, so getting the most coverage for greater protection can be affordable for some drivers.

– Best Car Insurance for Credit History Rates

The state of California has banned setting insurance rates based on credit history. Hawaii and Massachusetts have also outlawed the practice.

– Best Car Insurance for Driving Record Rates

Your driving record and any penalties you’ve racked up also influence your insurance rates. Let’s see how common driving penalties can affect them, based on the insurer. Also check, how auto insurance companies check your driving record.

Your driving record will play a major role in your Antioch auto insurance rates. For example, other factors aside, a Antioch, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Antioch, CA auto insurance rates by driving record.

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GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
Liberty Mutual$2,625.69$3,517.38$3,173.15$2,781.71$3,105.41
State Farm$3,345.88$3,991.29$7,541.82$3,883.71$4,959.66
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Overall, the more minor violation of speeding triggers the lowest rate increases. But, even insurers with low premiums in California, like Progressive, charge speeders nearly $1,000 more if they get just one ticket.

– Car Insurance Factors in Antioch

In this section, we’ll look at more car insurance rate factors, including the city’s economy, residents’ earnings, education levels, and jobs.

Factors affecting auto insurance rates in Antioch, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Antioch, CA auto insurance.

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– Growth & Prosperity

The Brookings Institution’s Metro Monitor shows that the San Francisco-Oakland-Hayward area ranks seventh out of 100 cities for economic growth. Together with fellow established “tech hubs” in San Jose, Austin, and Seattle, it’s among the fastest-growing metro economies nationwide.


Prosperity captures changes in the average wealth and income an economy produces. When worker productivity contributes to a metropolitan area’s growth, through innovation or training, for example, the value of those workers’ labor rises.

This is how the area grew from 2007 to 2017:

  • Productivity: +4.0 percent (4th of 100)
  • Standard of living: +5.6 percent (2nd of 100)
  • Average annual wage: +4.1 percent (3rd of 100)

These results again reveal that San Francisco-Oakland-Hayward metro area was among the fastest-growing in the U.S., scoring near the top of the list.


Growth indicators measure the change in the size of an urban area’s economy and its level of entrepreneurial activity. Growth and entrepreneurship create new opportunities for individuals and can help a metro economy become more efficient. These figures measure growth in gross metropolitan product, the number of jobs, and the amount of jobs at young firms.

Here’s how the San Francisco area grew from 2007 to 2017:

  • Jobs: 2.2 percent (24th of 100)
  • Gross metropolitan product (GMP): +6.3 percent (3rd of 100)
  • Jobs at young firms: -3.5 percent (46th of 100)

Again, these growth numbers are solid. The only “chink” in the area’s armor lies in the growth of jobs at young firms, such as start-ups, which is much lower than in the overall job market.

– Median Household Income

Data USA’s outlines how much Contra Costa County residents earn yearly.

Contra Costa County households have a median annual income of $95,339, which is higher than the U.S. yearly income of $60,336. This is a nearly 5 percent increase over the area median income of $91,045 in 2016.

Based on an average annual premium of $5,111.80, 5.36 percent of residents’ earnings there go to pay car insurance.

Want to see how much of your income goes to car insurance? Try our free calculator below.


– Homeownership in Antioch

Homeownership is often a sign of prosperity and that a driver may be more reliable and able to pay car insurance premiums. If you own a home, your car insurance premiums may cost less than if you rent. Homeowners can also bundle their car and home insurance for greater savings.

In 2017, 67.8 percent of the housing units in Contra Costa County, CA were owner-occupied. This rate increased three percent from 2016. The percentage of owner-occupation is higher than the national average of 63.9 percent.

The median property value in Contra Costa County grew from $577,000 in 2016 to $642,300 in 2017.

– Education in Antioch

As shown in the Data USA chart below, the largest universities in Contra Costa County by degrees awarded are Diablo Valley College (2,815 degrees), Los Medanos College (2,162 degrees), and Saint Mary’s College of California (1,203 degrees).

Solano Community College in Fairfield has a full-time enrollment of 5,790, with additional centers in Vacaville and Vallejo. About an hour away from Antioch, it’s part of the California Community Colleges System. SCC’s service area includes all of Solano County and the town of Winters in Yolo County.

As we’ll discover further below, most residents are in management and office and administrative support occupations. The school offers degrees and certificates in business, management, and office technology that suit those professions.

– Wage by Race and Ethnicity in Common Jobs

Data wasn’t available at the county level, so the chart below shows wages by race and ethnicity for California as a whole.

Regardless of race or ethnicity, most workers in California are in management positions. Elementary and middle school teachers and drivers/sales workers and truck drivers rank a distant second and third, respectively. Here’s how much the top-earning races and ethnicities make and how much they pay on average for annual car insurance premiums.

Annual Car InsuranceAnnual Income% of IncomeNotes
$5,111.80$51,7769.87%Two or More Races
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Asians earn the highest wages of all races and ethnicities in Contra Costa County. As such, less of their income, just over seven percent, goes to car insurance. By contrast, eight to nine percent of the income of Whites and those of two or more races covers car insurance.

– Wage by Gender in Common Jobs

The chart below shows wage by gender in California.

Among these full-time professions, male and female cashiers in The Golden State receive nearly equal pay. In more skilled jobs, however, the wage gap by gender increases. The biggest difference, which amounts to more than $20,000, appears in management positions and reveals that a “glass ceiling” exists in pay (not just in promotion) for women.

This gap shows in the statewide average earnings, too. Overall, male workers in California earn $75,050 on average annually, while females average $59,658 yearly. Males there make over one and a quarter times more than females.

– Poverty by Age and Gender

According to Data USA, these are the poverty rates by age and gender in Contra Costa County.

Females age 25 – 34 are the largest demographic living in poverty, followed by females 35 – 44 and then females 18 – 24. Nearly ten percent of the population for whom poverty status is determined in Contra Costa County (109,000 out of 1.11 million people) live below the poverty line. This number falls below the national average of 13.4 percent.

– Poverty by Race and Ethnicity

The largest race or ethnicity living in poverty is Whites, followed by Hispanics and Blacks.

– Employment by Occupations

As shown by Data USA and Census.gov, from 2016 to 2017, Contra Costa County employment grew at a rate of 1.66 percent, from 550,000 employees to 559,000 employees.

The most common job groups, by number of people living in the county, are management occupations (75,590 people), office and administrative support (66,337 people), and sales and related occupations (58,702 people).

Driving in Antioch

Driving in Antioch in and of itself might not be frustrating, but the higher volumes of traffic closer to San Francisco can make the dream of an easy commute at peak times a nightmare.

To ease the strain, you’ll find everything you need to know about local highways here, including toll roads and road conditions.

Keep reading to learn even more.

– Roads in Antioch

You may wonder about the condition of the roads you drive on in Antioch, and where you may face toll charges. You’ll find answers to these and more road-related questions below.

– Major Highways

Twelve major highways run throughout California, encompassing 2,457.34 miles of roadway. The map below details the major routes in and around Antioch.

Antioch’s primary freeway is State Route 4. Interstate 80 and the Bay Area road network run about half an hour westward. State Route 160 leads north from Highway 4, crossing the San Joaquin River via the Antioch Bridge through the Delta to Sacramento.

The video below follows SR 4 East from Port Chicago Highway in Concord to Hillcrest Avenue in Antioch:

FasTrak is an automated way to pay tolls on all eight Bay Area toll bridges and express lanes. You can also use FasTrak to pay for parking at the San Francisco International Airport. The FasTrak website lists the toll bridges and express lanes in the area, and rates vary based on your route.

TollGuru offers a toll calculator to help you determine how much you’ll pay.

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– Popular Road Trips/Sites

Visitors and residents alike will find plenty of fun things to do in Antioch.

This video from the City of Antioch shows why it’s “The Bay Area’s Best Kept Secret”:

TripAdvisor’s list of Things to Do in Antioch includes the top attractions in the area, such as Black Diamond Mines Regional Preserve and Dow Wetlands Wildlife Habitat Preserve. There are also lots of Things to Do in Antioch with Kids on a day trip, Seven Things to Do in Antioch for Fun and Culture, and even 278 Free and Cheap Things to Do in Antioch.

– Road Conditions

Below are pavement conditions and vehicle operating costs in the San Francisco-Oakland-Hayward area from TRIP, a national transportation research group:

Vehicle Operating
Costs (VOC)
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Almost three-quarters of the roads are in poor conditions, which can lead to car repairs of over $1,000 on average. So, it’s not too surprising that the news report below reveals that according to TRIP, Antioch has the worst streets and roads in the U.S.:

– Antioch Speeding and Red Light Cameras

According to the IIHS, Antioch doesn’t have any speeding or red light camera laws.

– Vehicles in Antioch

With car ownership, you may face some hurdles, such as traffic congestion, busy highways, road hazards, and potential vehicle theft. We’ll cover those problems and some more facts about car ownership below.

– How Many Cars Per Household

Like the national average, most households in Contra Costa County own two cars, followed by three cars.

– Households Without a Car

The table below reveals how many Contra Costa County households on average own and don’t own cars.

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
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In 2015, nearly six percent of households in the county didn’t own vehicles, but that number dropped by almost 2.5 percent the following year. In the process, the number of cars owned in area households increased slightly.

– Speed Traps in Antioch

According to Speedtrap users, James Donlon Boulevard has some speed traps — most notably, near Gentrytown Drive, at Contra Loma, and off Lonetree.

– Vehicle Theft in Antioch

The Federal Bureau of Investigation reports that in 2017, 988 motor vehicle thefts occurred in Antioch.

The news report below shows a recent vehicle theft arrest in the Bay Area City.

The map below, courtesy of Neighborhood Scout, shows Antioch’s the safest neighborhoods. The site ranked Newlove, in the northeastern part of the city, number one.

Neighborhood Scout’s Crime Index rates Antioch a nine, which means that it’s safer than only nine percent of U.S. cities. The chances of becoming a victim of a violent crime there are one in 182. Your odds are slightly lower in the state overall, at one in 223.

Let’s see how many violent crimes and property crimes occur in Antioch in an average year.

Number of Crimes6153,9944,609
Crime Rate (per 1,000 residents)5.5135.7641.27

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Most of the crimes are property-related and occur more than six times more than violent crimes. Below is a breakdown of the violent crimes that have occurred.

Report Total1051234320
Rate per 1,0000.090.462.102.87
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Assaults happen more often in Antioch than other violent crimes, including murder. These are the types of property crimes that occur on average yearly.

Report Total5912,3441,059
Rate per 1,0005.2920.999.48
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Thefts occur most frequently; motor vehicle thefts rank in the middle; with an average rate of ten per 1,000 crimes, the rate is fairly high.

– Traffic

This section features information about traffic congestion in the San Francisco metropolitan area, the busiest highways, and the safety of the streets and roads.

– Traffic Congestion in Antioch

INRIX’s Traffic Scorecard didn’t rank Antioch itself, but it reveals that the closest major city, San Francisco, ranked second, behind Los Angeles, as one of California’s most traffic-congested cities. Overall, San Francisco ranks eight in the U.S. and 65th worldwide.

In 2018, drivers there spent 116 hours stuck in traffic, which cost each one an average of $1,624 in transportation-related expenses, such as gasoline.

Congestion levels during the morning rush hour averaged 55 percent and rose to 73 percent in the evening. The overall congestion was 39 percent.

– Transportation

The average travel time for Contra Costa County residents is 36.1 minutes, which is a slightly longer commute than the average U.S. worker (25.5 minutes). Nine percent of Contra Costa County drivers have “super commutes” longer than 90 minutes.

Next, let’s see which form of transportation is the most popular during those commutes.

Like drivers nationwide, most Contra Costa County commuters drove alone. Carpooling placed a distant second, with a higher rate than on the national level (12 percent). Public transit followed closely behind, at 10 percent.

– Busiest Highways

The Federal Highway Administration reports that the San Francisco-Oakland area highway with the most lanes is I-80, with 12.

Below are Caltrans’ statistics for vehicle delays in 2017 on major highways in the metropolitan area.

RouteVehicle Hours of Delay (VHD) RankAnnual Vehicle Hours of Delay (VHD) at 35 miles per hour (mph)Annual Vehicle Miles Traveled (VMT)Number of IncidentsIncidents/ DayIncidents/ million VMT
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Route 680 had the most vehicle hours of delay — 38 — and it also had the highest number of incidents, at 5,262, including those per day (14.42). It also ranked number one for total vehicle miles traveled.

– How Safe are Antioch’s Streets and Roads?

Unfortunately, accidents can happen on busy highways. Below are Contra Costa County National Highway Traffic Safety Administration (NHTSA) crash statistics in 2017, from total fatalities to pedal cyclist fatalities.

  • Fatalities (All Crashes) = 63 total
  • Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) = 22
  • Single Vehicle Crash Fatalities = 37
  • Fatalities in Crashes Involving Speeding = 17
  • Fatalities in Crashes Involving a Roadway Departure = 27
  • Fatalities in Crashes Involving an Intersection (or Intersection Related) = 11
  • Passenger Car Occupant Fatalities = 21
  • Pedestrian Fatalities = 21
  • Pedal cyclist Fatalities = One

These figures reveal that Antioch’s roads have their share of dangers. While there weren’t a high number of casualties — many involved single-vehicle crashes — they highlight the risks and the importance of having adequate car insurance coverage.

Below are NHTSA Fatality Analysis Reporting System (FARS) statistics for fatal crashes on different types of roads in California.

An arterial road is a high-capacity urban road. Depending on the amount of traffic, the arterial road may be classified as a highway or a minor arterial road. A collector road gathers traffic from local roads and takes drivers to arterial roads.

Interstate (Rural)Interstate (Urban)Freeway and ExpresswayOther Principal ArterialMinor ArterialCollector ArterialLocalUnknownTotal Fatal Crashes
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This is FARS data for Contra Costa County:

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Both sets of numbers show that most accidents happened on the freeway and expressway and collector arterial roads.

Check to see how to buy auto insurance with accidents on your record.

Finally, these are the U.S. Department of Transportation’s railroad and highway crash incidents in Contra Costa County.

Highway User SpeedCalendar YearCountyHighwayHighway User TypeRail Equipment Typenonsuicidefatalitynonsuicideinjury
2012CONTRA COSTACHESLEY AVEPedestrianPsgr Train10
2012CONTRA COSTAMC AVOY RDPedestrianLight Loco(s)00
52013CONTRA COSTAFERRY STAutomobilePsgr Train00
2014CONTRA COSTACUTTING BLVDPedestrianPsgr Train10
02014CONTRA COSTAPRIVATEPick-up truckFreight Train00
02014CONTRA COSTAMARKET AVETruck-trailerPsgr Train02
2014CONTRA COSTACYPRESS RDPedestrianLight Loco(s)10
22015CONTRA COSTACCC FC/WDTruck-trailerYard/Switch00
52015CONTRA COSTA10TH & WRIGHT AVEAutomobileFreight Train01
02015CONTRA COSTAWERNER RD.Pick-up truckPsgr Train02
02015CONTRA COSTABROOKSIDE DRAutomobilePsgr Train00
2016CONTRA COSTAS CUTTING BLVDPedestrianFreight Train01
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Few train/vehicle accidents occur in the area.

Allstate America’s Best Drivers Report

Allstate America’s Best Driver’s Report tracks the numbers of accident claims drivers make nationwide. In 2019, San Francisco ranked 189th out of 200 major cities — this was down from 183 the prior year. Drivers there went nearly seven years between accident claims, and they were 56 percent more likely to file a claim compared to the national average.

– Ridesharing

Beyond regular taxi rides, below are the ridesharing services available in Antioch.

  • Blacklane – Blacklane luxury vehicles seat one to five people.
  • HopSkipDrive – a HopSkipDrive vehicle for your kids seats four to seven passengers. These vehicles must be newer than ten years old and drivers must pass a rigorous background check.
  • Limos.com – a Limos.com has reservation options for one to 50 passengers.
  • Lyft – This lowest cost Lyft service will grant you a request for a regular four-seat car.
  • Lyft Plus – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
  • Lyft Lux SUV – A premium black SUV service with space for up to six passengers.
  • Lyft Premier – Lyft’s luxury service. A request for a Lyft Premier will grant you a high-end four-seat car.
  • SuperShuttle – When you order a SuperShuttle, a shuttle, or black car will pick you up. SuperShuttle has reservation options for 1-10 passengers.
  • Talixo – Talixo riders can choose from an economy, business, or luxury class vehicle at different prices with seats for up to seven passengers.
  • Uber X – This budget service gives riders a regular-size car that seats four.
  • Uber XL – Uber’s service for larger groups will seat up to six passengers.
  • Uber Black – Uber’s original luxury service. When you select an Uber Black car, a high-end sedan with seating for up to four people will arrive to pick you up.
  • Uber Pool – UberPool matches you with other riders headed your way. You not only share your ride, but you also share the cost, giving you the convenience of an Uber X at a lower price. Uber charges a $1 fee to bring a second passenger into your Pool ride.
  • Uber Select – This service is similar to Uber Black, but the car with four leather seats doesn’t have to be black. It’s a step above UberX, and costs slightly less than Uber Black.
  • Uber SUV – This is Uber’s luxury option for larger groups. When you choose an Uber SUV, a high-end SUV with seating for up to six people will arrive to pick you up.

– EStar Repair Shops

A program from Esurance, Estar helps drivers find the best repair shops in their areas. According to Estar, these are the top ten repair shops in and around Antioch:

email: [email protected]
P: (925) 777-1739
F: (925) 634-2593

email: [email protected]
P: (925) 755-1739
F: (925) 754-5426

email: [email protected]
P: (925) 757-1739
F: (925) 432-9936

email: [email protected]
P: (925) 686-1739
F: (925) 686-1744

email: [email protected]
P: (925) 689-1739
F: (925) 689-0991

email: [email protected]
P: (925) 838-8380
F: (925) 838-6254

email: [email protected]
P: (925) 210-1739
F: (925) 279-4334

2288 N. MAIN ST.
email: [email protected]
P: (925) 979-1739
F: (925) 279-4334

DUBLIN, CA 94568
email: [email protected]
P: (925) 828-7545
F: (925) 828-7074

email: [email protected]
P: (925) 455-1739
F: (925) 962-9100

– Weather

U.S. Climate Data shows that Contra Costa County temperatures aren’t too high or too low throughout the year, with average highs of 73 and lows of 50 degrees.

Antioch weather averages
Annual high temperature:73.1°F
Annual low temperature:49.6°F
Average temperature:61.35°F
Average annual precipitation - rainfall:13.35 inch
Days per year with precipitation - rainfall:-
Annual hours of sunshine:-
Av. annual snowfall:-
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The city doesn’t receive much rain, at just over 13 inches annually.

According to City-Data, Contra Costa County averages 14 natural disasters yearly, which almost matches the U.S. average of 13. Every year, roughly three natural disasters lead to emergency declarations and 11 of them are presidential declarations.

Below is a breakdown of the causes of disasters. Note: some incidents may be assigned to more than one category.

  • Floods: 10
  • Storms: Seven
  • Landslides: Four
  • Winter Storms: Four
  • Mudslides: Two
  • Drought: One
  • Earthquake: One
  • Hurricane: One
  • Tornado: One
  • Wind: One

Overall, the area receives several floods and storms yearly; though low temperatures average 50 degrees, it receives occasional winter storms. It also sometimes sees hurricanes, tornadoes, droughts, mudslides, and earthquakes.

Because of the unpredictable nature of weather, it makes sense to buy comprehensive car insurance for protection from floods and storms and other hazards that can damage your vehicle.

– Public Transit

Eastern Contra Costa Transit Authority (Tri Delta Transit) provides nearly three million bus trips each year to almost 290,000 residents. Tri Delta Transit operates 15 local bus routes Monday-Friday, five local bus routes on weekends and holidays, door-to-door bus service for senior citizens and people with disabilities, and shuttle services for community events.


  • 62 fixed-route buses including 58 low floor Gillig buses, two Protera electric buses, and two BYD electric buses.
  • 30 Paratransit buses and six med vans
  • over 650 bus stops
  • all fixed-route buses have bike racks
  • all buses are wheelchair accessible

Fares vary, based on the route. Day passes for unlimited rides on all Tri Delta Transit buses, except for paratransit buses, are $3.75 on the day of purchase/validation. For seniors citizens and passengers with disabilities, they’re $1.75. Riders can also pay $57 for 31-day passes. Passes for 20 rides are available to ages six to 64 for $33, and for seniors and passengers with disabilities, cost $17.

The City of Antioch also offers a list of transportation options for senior citizens.

The Bay Area Rapid Transit (BART) rail system station in Antioch serves northern and eastern Contra Costa County. It connects to BART’s Pittsburg/Bay Point station using Diesel Multiple Unit (DMU) vehicles.

Amtrak also operates an Antioch-Pittsburg station (I ST. & SANTA FE TRACKS). Services: public payphones, full-service food facilities, free short-term and long-term parking, intercity bus service, public transit connection; call for taxi service.

– Alternate Transportation

No major bike or scooter rental services are available in Antioch.

– Parking in Metro Areas

Downtown on-street parking in Antioch is free and free parking lots are in the area.

ChargeHub lists 58 of the most popular electric car charging stations within ten miles of Antioch. Twenty-seven of them are free. More than 75 percent of them are Level Two, however, 24 percent are Level Three charging stations. The main charging networks are Blink and ChargePoint.

– Air Quality in Antioch

Pollutants from vehicle exhaust have been linked to health issues and even climate change. This pollution not only goes directly into the earth’s atmosphere, but it also reacts with other pollutants which make the situation worse. Children and people with chronic illnesses can be most sensitive to the effects.

Below are Environmental Protection Agency (EPA) air quality statistics for Contra Costa County.

Contra Costa County Air Quality Index201620172018
Days With AQI366365365
Good Days287222203
Moderate Days76131144
Days Unhealthy for Sensitive Groups387
Unhealthy Days-49
Very Unhealthy Days--2
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Unfortunately, the numbers of “good” and “moderate” days have increased recently, as have the number of unhealthy days and days “unhealthy for sensitive groups.”

The California Department of Motor Vehicles requires smog or emissions testing for all vehicles except:

  • diesel-powered vehicles 1997 model year and older or with a Gross Vehicle Weight (GVWR) of more than 14,000 lbs.
  • electric, natural gas-powered vehicles over 14,000 lbs.
  • motorcycles
  • trailers
  • gasoline-powered vehicles 1975 and older

The DMV requires vehicle owners registered in areas subject to the biennial smog certification program to submit evidence of a smog certification at every other renewal. Owners of vehicles eight or fewer model years old pay an annual smog abatement fee for the first eight registration years and don’t need to provide a biennial smog certification.

The registration renewal notice from the DMV will show if your car needs a smog certification. If your vehicle needs a smog check and it hasn’t had one, you may still pay your registration fees to avoid any late fees. However, until the DMV receives the smog test results, you won’t receive your new registration or year sticker.


If you’re an active member of the military or a veteran, you may feel that the top car insurers don’t offer enough military discounts. And you can struggle to find out about them.

No need to worry. We’ve gathered the most vital information about military discounts, together with some facts about nearby military bases and when members of the military in Contra Costa County served.

So, keep reading to learn more.

– Veterans by Service Period

Most veterans in the U.S. and in Contra Costa County served in Vietnam — they number nearly 2.5 times higher than any other conflict. That’s followed by recent Gulf War veterans and those from the Korean conflict of the 1950s.

– Military Bases Within an Hour

Travis Air Force Base in Fairfield is about an hour northwest from Antioch, close to the California Wine Country in the Napa and Sonoma Valleys.

The base started as an airstrip surrounded by tarpaper barracks and maintenance hangers. It’s now one of the largest military airports in the U.S. It provides airlift and aerial refueling services for humanitarian relief efforts and special airlift support worldwide.

– Military Discounts by Providers

If you are or were in the U.S. military, most car insurance companies will want to give back to you through military discounts. Here is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.

Military Discounts by Provider
Insurance CompanyPercentage Saved with Discount
Liberty Mutual (must be active duty)4%
USAA60% off when deployed
15% for garaging on base
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*USAA gives a 15 percent military garage discount for garaging cars on a military base.  

– USAA in California

USAA provides car insurance only to U.S. military personnel and their families. The company’s insurance premiums tend to cost less than those of standard insurers.

Below, you will see how USAA’s and other insurers’ rates compare to the average annual full coverage premiums in California, $3,688.93.

GroupAnnual PremiumCompared to State Average (+/-)Compared to State Average (%)
Liberty Mutual$3034.42-$654.51-0.1774
State Farm$4202.28$513.350.1392
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As shown above, USAA’s premiums cost less than other leading insurers, at 27 percent below the state average.

Unique Antioch City Laws

With so many laws enacted in different cities and towns, it can be hard to keep up with them. What’s legal in one community could be against the law in another.

Which Antioch, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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Below we’ll cover a few laws unique to Antioch and Contra Costa County to help you obey the rules. We’ll go over hands-free cell phone laws, food truck, tiny home, and parking regulations.

Are you ready to read on for more interesting insights?

– Hands-Free Law

Antioch doesn’t have any specific hands-free cellphone laws. These are the state laws regarding cell phone use and texting while driving:

California Cellphone Use Laws
Laws on Cellphones while Driving in CADriver
Hand-held use bannedAll drivers
Primary Enforcement
All use bannedDrivers under 18
Secondary Enforcement
Texting bannedAll drivers
Primary Enforcement
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Primary enforcement means that a police officer can pull over a driver just for committing an offense. With secondary enforcement, an officer needs another reason to pull a driver over, such as a broken taillight to catch them for the crime.

– Food Trucks

Contra Costa Health Services’ food-safety specialists inspect food facilities throughout the county, including mobile food trucks. They check to ensure that servers store, prepare, and handle food safely and in a sanitary way according to state and local laws.

County law defines food trucks as “mobile food facilities” that sell food. Examples include:

  • ice cream trucks
  • hot dog carts
  • churro carts
  • frozen meat sales trucks
  • sandwich trucks
  • hot lunch trucks

All mobile food facilities must display a valid permit sticker from the county at all times.

To get a permit, the vehicle must meet all the requirements, including passing an inspection. The owner must submit a commissary verification form, a mobile food facility application, pay the annual permit fee.

Vendors can get a permit through completing a mobile food facility application with the appropriate permit fee and any supplemental materials (vehicle registration, food safety certificate, etc.). Applications are available online or at the Environmental Health office located at 2120 Diamond Boulevard Suite 100 in Concord.

Once the office has received all of the application materials and fees, it will make an appointment for an inspection.

Vendors don’t need to submit plans for a review unless they want to get a health permit for a mobile support unit. To sell packaged food, anyone who operates a mobile food facility must have a health permit. Health Safety requires mobile food facilities that prepare, handle, and/or serve non-prepackaged, potentially hazardous foods carry a food safety certificate.

Tiny Homes

Tiny homes, which offer the opportunity for a simpler lifestyle and lower housing costs, have recently become popular. Per state building codes, Contra Costa County has adopted specific requirements controlling their size and use.

California Building Code does not recognize anything called a “tiny home.” The law allows for a minimum “efficiency dwelling unit” that includes the following:

  • A 220 square-foot minimum living room with an additional 100 square feet for each occupant if more than two people live there
  • A separate closet
  • A kitchen sink, cooking appliance, and refrigeration facilities each with a 30-inch minimum clear working space and code-conforming light and ventilation
  • A separate bathroom containing a toilet, lavatory, and shower or tub

To comply with the California Building Code, the home must comply with all other code requirements such as foundations, connections to the foundation, etc. The building code treats all houses alike. A tiny home on wheels is considered a recreational vehicle and must be registered with the Department of Motor Vehicles (DMV).

Contra Costa County has no planning laws that regulate tiny homes, but they may qualify as small independent living units.

Contra Costa County amended Code Section 82-24 – Second Units as a response to Assembly Bill 2299 and Senate Bill 1069 for Accessory Dwelling Units (ADU).  An ADU must be on a permanent foundation and located on a property where there is already a primary residence. More information is available in County Code Section 82-24.

Mobile homes, including permanent ones on an undeveloped lot, must comply with county codes (Code Section 84-68.20 – Temporary Use, 84-68.16 – Permanent Use). Please consult utility companies regarding their fees and regulations for hook-ups.

– Parking Laws

The City of Antioch has enacted laws for common code violations, including parking offenses. It also has laws controlling off-street parking.

Antioch Car Insurance FAQs

Though we’ve covered a lot of topics in this guide, you may still have some questions that need answers. If you want to know more about  Antioch and your car insurance options there, we answer some of the most common questions below.

Read on for more insights.

 When was Antioch, CA founded?

Brothers William and Joseph Smith founded Antioch in 1850 and named it Smith’s Landing. In the year after the discovery of gold, a plague wiped out most of the town’s population.

>– What is Antioch, CA known for?

Antioch is known as the gateway to the California Delta, where the San Joaquin and the Sacramento Rivers meet before they merge into the Pacific Ocean.

 How far is Antioch, California from San Francisco?

Antioch is 37 miles from San Francisco traveling southwest and 45 miles away by car along Route 4. Depending on the traffic flow, it may take at least an hour and 40 minutes to drive from Antioch to San Francisco.

 What Kind of Car Insurance is Required in Antioch?

In California, whoever causes an accident is legally and financially responsible for paying the damages.

All drivers there must carry minimum liability insurance levels of 15/30/5 to meet basic coverage at the following minimum levels of liability:

  • $15,000 for bodily injury or death of one person in an accident the owner of the insured vehicle caused
  • $30,000 for total bodily injury or death in an accident the owner of the insured vehicle caused
  • $5,000 for property damage per accident the owner of the insured vehicle caused

Drivers in California can choose to buy Medical Payments or MedPay insurance of at least $1,000 to cover medical expenses after a crash regardless of who caused it.

– How Much is Car Insurance in Antioch?

The average annual rate cost of full coverage premiums in Antioch is $5,111.80. Depending on your needs and situation, you may pay more or less than average.

What do you think? Did we answer all of your questions? If you’re ready to see how much car insurance costs in Antioch, try our FREE rate comparison tool below.


  1. https://www.bayareafastrak.org/en/howitworks/whereToUse.shtml
  2. https://www.iihs.org/
  3. https://www.speedtrap.org/california/antioch/
  4. https://www.fhwa.dot.gov/policyinformation/tables/01.pdf
  5. https://www.dmv.ca.gov/portal/dmv/detail/vr/smog

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