Compare average insurance rates in Concord for 2026
🏠
Home
$2565
/year
🚗
Auto
$2970
/year
🏥
Health
$600
/month
💰
Life
$24
/month
🏢
Renters
$27
/month
Home Insurance in Concord, CA
The average cost of homeowners insurance in Concord, California is $2,565 per year in 2026. This compares to the state average of $1,900 per year.
$2,565per year (avg in Concord)
$1620CA avg: $1,900$4725
Factors Affecting Home Insurance in Concord
🏠
Home Value Average: $750,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 1.35 (100 = national avg)
📌
Earthquake Zone: Concord is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$600,000
$300,000
$100,000
$1,923
Standard (HO-3)
$750,000
$375,000
$300,000
$2,565
Premium (HO-5)
$937,500
$562,500
$500,000
$3,462
Auto Insurance in Concord, CA
The average annual cost of auto insurance in Concord is $2,970, compared to the California state average of $2,200.
$2,970per year (avg in Concord)
$1890CA avg: $2,200$4320
📋
Minimum Coverage in California: 15/30/5
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,633
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,970
Premium
250/500/250
$250 deductible
$250 deductible
$3,861
Health Insurance in Concord, CA
The average monthly health insurance premium in Concord is $600 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$600per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$432
$7,000
$9,100
Healthy, low usage
Silver
$600
$4,500
$9,100
Moderate usage
Gold
$750
$1,650
$8,700
Regular medical needs
Platinum
$900
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Concord
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in California are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$27
per month (avg in Concord)
Renters insurance in Concord covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Concord
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Concord, CA is $2,565 per year for a standard HO-3 policy. Rates range from $1,620 to $4,725 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Concord is $2,970 per year for full coverage. Liability-only coverage averages around $1,336 per year. California requires minimum coverage of 15/30/5.
Insurance costs in Concord are above the national average (cost index: 1.35). Home insurance averages $2,565/yr and auto insurance $2,970/yr. Higher costs are driven by earthquake vulnerability.
Key factors include: local cost of living (index: 1.35), earthquake vulnerability, average home values ($750,000), your personal claims history, credit score, and at-fault insurance laws in California.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Concord residents can potentially save $1,107+ per year.
California requires minimum auto liability coverage of 15/30/5 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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