Compare Atlantic, IA Car Insurance Rates (2021)

Car insurance in Atlantic, IA averages $259 a month. Atlantic, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Atlantic car insurance rates, compare quotes from the top car insurance companies in Atlantic, IA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Atlantic for teen drivers is USAA
  • Average car insurance rates in Atlantic, IA are $3,104/year
  • Average car insurance rates in Atlantic, IA after a DUI are $3,751/year

If you need to buy Atlantic, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Atlantic, IA is right here.

You’ll find Atlantic car insurance rates, the cheapest Atlantic, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Atlantic, Iowa car insurance rates to Sioux City car insurance rates, Cedar Rapids car insurance rates, and Ankeny car insurance rates.

Ready to find affordable Atlantic, IA car insurance today? Enter your ZIP code for fast, free Atlantic car insurance quotes.

Cheapest Atlantic, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Atlantic, IA car insurance rates? Every Atlantic, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Atlantic, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,139 $2,054 $1,899 $1,933 $6,200 $6,980 $2,330 $2,397
American Family $2,051 $2,051 $1,832 $1,832 $5,438 $7,652 $2,051 $2,474
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,144 $2,331 $1,875 $2,277 $10,031 $11,292 $2,430 $2,686
Nationwide $2,055 $2,119 $1,823 $1,960 $4,591 $6,000 $2,311 $2,528
Progressive $1,769 $1,709 $1,459 $1,512 $4,246 $4,800 $2,128 $2,299
State Farm $1,462 $1,462 $1,279 $1,279 $3,884 $4,936 $1,642 $1,864
Travelers $2,702 $2,759 $2,615 $2,619 $11,621 $18,373 $2,807 $3,352
USAA $1,301 $1,324 $1,186 $1,221 $3,408 $3,641 $1,569 $1,739

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Minimum Car Insurance in Atlantic, IA

Every driver must carry the minimum car insurance in Atlantic, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Atlantic, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Atlantic, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Atlantic, IA. Compare credit history car insurance rates in Atlantic from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Atlantic, Iowa

Insurance Company Poor Fair Good
Allstate $3,880 $3,079 $2,766
American Family $4,048 $2,975 $2,496
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,265 $3,851 $3,035
Nationwide $3,566 $2,770 $2,434
Progressive $2,949 $2,375 $2,147
State Farm $3,170 $1,961 $1,547
Travelers $6,602 $5,620 $5,347
USAA $2,538 $1,734 $1,499

Cheapest Atlantic, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Atlantic, IA to rates for a clean record with top companies.

Annual Atlantic, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,754 $3,337 $3,794 $3,080
American Family $2,291 $3,348 $4,357 $2,695
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,791 $4,675 $4,783 $4,285
Nationwide $2,091 $3,042 $4,183 $2,378
Progressive $2,004 $3,272 $2,175 $2,510
State Farm $2,066 $2,386 $2,226 $2,226
Travelers $4,272 $5,682 $7,606 $5,863
USAA $1,474 $1,968 $2,562 $1,690

Cheapest Atlantic, IA Car Insurance for Teen Drivers

Teen car insurance in Atlantic, IA can be expensive. Take a look at rates from the top car insurance companies in Atlantic for teenagers.

Annual Car Insurance Rates for Teen Drivers in Atlantic, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,200 $6,980
American Family $5,438 $7,652
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $10,031 $11,292
Nationwide $4,591 $6,000
Progressive $4,246 $4,800
State Farm $3,884 $4,936
Travelers $11,621 $18,373
USAA $3,408 $3,641

Cheapest Atlantic, IA Car Insurance for Seniors

Take a look at Atlantic, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Atlantic, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,899 $1,933
American Family $1,832 $1,832
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,875 $2,277
Nationwide $1,823 $1,960
Progressive $1,459 $1,512
State Farm $1,279 $1,279
Travelers $2,615 $2,619
USAA $1,186 $1,221

Cheapest Atlantic, IA Car Insurance Rates After a DUI

A DUI in Atlantic, IA increases car insurance rates. Compare Atlantic, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Atlantic, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,794
American Family $4,357
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,783
Nationwide $4,183
Progressive $2,175
State Farm $2,226
Travelers $7,606
USAA $2,562

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Cheapest Atlantic, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Atlantic, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Atlantic, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,164 $3,319
American Family $3,136 $3,210
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,383 $4,383
Nationwide $2,923 $2,923
Progressive $2,490 $2,490
State Farm $2,172 $2,280
Travelers $5,856 $5,856
USAA $1,853 $1,994

The Best Cheap Car Insurance Companies in Atlantic, IA

Take a look at a side-by-side comparison of the top car insurance companies in Atlantic, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Atlantic, Iowa

Insurance Company Average Annual Rates
Allstate $3,241
American Family $3,173
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,383
Nationwide $2,923
Progressive $2,490
State Farm $2,226
Travelers $5,856
USAA $1,924

Category Winners: Cheapest Car Insurance in Atlantic, Iowa

Find the cheapest car insurance companies in Atlantic, IA for each category right here.

Best Annual Car Insurance Rates by Company in Atlantic, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Atlantic, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Atlantic car insurance rates. Find the cheapest Atlantic, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Atlantic, Iowa

Insurance Company Low Medium High
Allstate $3,116 $3,245 $3,363
American Family $3,197 $3,348 $2,973
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,218 $4,376 $4,557
Nationwide $3,055 $2,905 $2,810
Progressive $2,341 $2,497 $2,633
State Farm $2,121 $2,238 $2,319
Travelers $5,549 $5,942 $6,077
USAA $1,832 $1,929 $2,010

What affects car insurance rates in Atlantic, Iowa?

What factors can have an impact on Atlantic, IA car insurance? There are several reasons why Atlantic car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Atlantic, Iowa.

Commute Time in Atlantic

The more time you spend in your car the higher the risk of an accident. The average commute length in Atlantic, IA is 14.5 minutes according to City-Data.

Traffic in Atlantic

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Atlantic, IA traffic data from INRIX ranks Atlantic as the 906th-most congested in the world.

Compare Car Insurance Quotes in Atlantic, IA

Ready to find affordable Atlantic, Iowa car insurance today? Enter your ZIP code for fast, free Atlantic, IA car insurance quotes.

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Average Monthly Car Insurance Rates by State