Concord drivers face a longer commute than the state average, so it pays to compare car insurance quotes from several carriers.
How Much Does Car Insurance Cost in Concord?
Concord's average commute is about 33 minutes, compared with 29 minutes statewide, and more time on the road can mean more mileage, which Prop 103 weighs heavily. Vehicle theft is also a factor, at about 3.9 per thousand residents in 2025 against a state average of 3.2.
| Factor | Concord | California |
|---|---|---|
| Average commute | 33 min | 29 min |
| Homes with 2+ cars | 62% | 63% |
| Car thefts per 1,000 | 3.9 | 3.2 |
| ZIP codes | 5 |
Why Concord Drivers Compare Quotes With A1
Carriers weigh mileage, record and local theft risk differently, so the same Concord driver can see quite different prices from one company to the next. A1 is an independent broker that compares quotes from multiple California carriers, so you can see the options side by side.
About Concord, California
Concord is an incorporated city in Contra Costa County with about 124,000 residents spread over roughly 31 square miles. It sits in the San Francisco Bay Area at an elevation of about 75 feet. Its ZIP codes include 94518, 94519, 94520, 94521 and 94565, and Pleasant Hill, Clayton and Pacheco are all about 4 miles away.
- County
- Contra Costa County
- Population
- 124,260 (Census est.)
- Major routes
- I-680, SR-4, SR-242
Driving in Concord: What to Know
Most Concord workers, about 63%, drive alone, though that is below the state figure of about 67%. About 15% work from home, close to the state rate, which can cut weekly mileage for those drivers. I-680, SR-4 and SR-242 run through or near the city, so many drivers deal with busy freeway miles. Around 5% of households have no vehicle, and about 62% have two or more, so coverage that fits how many cars you actually use matters.
State highways through or near Concord:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Concord
The nearest DMV office is the Concord DMV at 2070 Diamond Blvd., Concord, CA 94520, about 3 miles away.
Nearest DMV: Concord
2070 Diamond Blvd., Concord, CA 94520
About 3 miles from Concord
Traffic court
Superior Court of California, County of Contra Costa.
Contra Costa County court website →California Car Insurance Rules for Concord Drivers
California requires at least 30/60/15 liability coverage, but that will not pay to fix your own car if it is stolen or damaged. With theft a bit above the state average here, comprehensive coverage is worth a look, and drivers with a clean record may qualify for a Good Driver Discount of at least 20%.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Concord ZIP Codes and Nearby Areas
ZIP codes in Concord:
Nearby cities and communities:
More About Concord
Concord sits at the foot of Mount Diablo, with a walkable downtown square, big-name concerts and open hills right at the edge of town, so here's what locals love:
- Todos Santos Plaza. Downtown's tree-lined square is the community's gathering spot, with farmers' markets, summer events and cafes and restaurants on the streets around it.
- Mount Diablo views. The mountain looms over the city, and Mount Diablo State Park is a short trip away for hikes and sweeping views across the Bay Area.
- Concerts at the Pavilion. The city's outdoor amphitheater has long been a Bay Area summer tradition, drawing touring acts and big crowds on warm evenings.
- Lime Ridge Open Space. Right in town, these grassy hills and oak-dotted trails are great for an easy walk, wildflowers in spring and a look at the local landscape.
Concord Car Insurance FAQ
Does a long Concord commute affect my car insurance?
It can, because annual mileage is one of the top factors insurers must weigh under Prop 103. Concord's average commute of about 33 minutes is longer than the state's 29 minutes, so accurate mileage reporting matters.
Should I carry comprehensive coverage in Concord?
Concord police recorded 480 vehicle thefts in 2025, or about 3.9 per thousand residents, which is above the state average of 3.2. Comprehensive pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.
How do I get quotes from A1 if I live in Concord?
As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you. You can call, text or use the form on this site.