Compare Atwater, CA Car Insurance Rates (2021)

Car insurance in Atwater, CA averages $283 a month. Atwater, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Atwater car insurance rates, compare quotes from the top car insurance companies in Atwater, CA.

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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

  • Average car insurance rates in Atwater, CA after a DUI are $4,783/year
  • The cheapest car insurance company in Atwater for teen drivers is USAA
  • The cheapest car insurance company in Atwater is USAA

If you need to buy Atwater, California car insurance, the options can be confusing. Everything you need to know about car insurance in Atwater, CA is right here.

You’ll find Atwater car insurance rates, the cheapest Atwater, CA car insurance companies, and information on California car insurance laws. You can also compare Atwater, California car insurance rates to San Diego car insurance rates, Los Angeles car insurance rates, and Fresno car insurance rates.

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

Cheapest Atwater, CA Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Atwater, California

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 $2,638 $2,641 $1,922 $1,941 $7,259 $9,126 $3,367 $3,699
Farmers $2,511 $2,511 $2,257 $2,257 $7,954 $13,037 $2,969 $3,300
GEICO $1,584 $1,586 $1,491 $1,491 $4,805 $4,890 $2,273 $2,327
Liberty Mutual $2,053 $1,948 $1,904 $1,846 $4,478 $4,750 $2,318 $2,333
Nationwide $2,918 $2,787 $2,555 $2,409 $7,413 $8,178 $3,488 $3,446
Progressive $1,637 $1,682 $1,420 $1,671 $4,415 $5,297 $2,383 $2,560
State Farm $3,307 $3,307 $2,955 $2,955 $6,096 $7,565 $3,662 $3,775
Travelers $2,382 $2,310 $2,107 $2,083 $4,871 $5,616 $3,103 $3,036
USAA $1,784 $1,689 $1,743 $1,750 $4,046 $4,069 $2,467 $2,331

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Minimum Car Insurance in Atwater, CA

Every driver must carry the minimum car insurance in Atwater, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Atwater, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Atwater, CA 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 Atwater, CA to rates for a clean record with top companies.

Annual Atwater, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,460 $4,125 $6,488 $3,223
Farmers $3,401 $4,630 $5,770 $4,597
GEICO $1,789 $2,754 $3,462 $2,219
Liberty Mutual $2,346 $3,145 $2,837 $2,487
Nationwide $2,898 $3,713 $6,272 $3,713
Progressive $1,716 $2,932 $3,413 $2,471
State Farm $2,999 $3,577 $6,754 $3,481
Travelers $2,136 $3,458 $4,033 $3,127
USAA $1,653 $2,456 $4,020 $1,810

Cheapest Atwater, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Atwater, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,259 $9,126
Farmers $7,954 $13,037
GEICO $4,805 $4,890
Liberty Mutual $4,478 $4,750
Nationwide $7,413 $8,178
Progressive $4,415 $5,297
State Farm $6,096 $7,565
Travelers $4,871 $5,616
USAA $4,046 $4,069

Cheapest Atwater, CA Car Insurance for Seniors

Take a look at Atwater, CA 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 Atwater, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,922 $1,941
Farmers $2,257 $2,257
GEICO $1,491 $1,491
Liberty Mutual $1,904 $1,846
Nationwide $2,555 $2,409
Progressive $1,420 $1,671
State Farm $2,955 $2,955
Travelers $2,107 $2,083
USAA $1,743 $1,750

Cheapest Atwater, CA Car Insurance Rates After a DUI

A DUI in Atwater, CA increases car insurance rates. Compare Atwater, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Atwater, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,488
Farmers $5,770
GEICO $3,462
Liberty Mutual $2,837
Nationwide $6,272
Progressive $3,413
State Farm $6,754
Travelers $4,033
USAA $4,020

Cheapest Atwater, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Atwater, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,671 $4,477
Farmers $4,174 $5,025
GEICO $2,322 $2,790
Liberty Mutual $2,483 $2,924
Nationwide $3,666 $4,632
Progressive $2,393 $2,873
State Farm $4,050 $4,356
Travelers $2,868 $3,509
USAA $2,291 $2,679

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The Best Cheap Car Insurance Companies in Atwater, CA

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

Average Annual Car Insurance Rates by Company in Atwater, California

Insurance Company Average Annual Rates
Allstate $4,074
Farmers $4,599
GEICO $2,556
Liberty Mutual $2,704
Nationwide $4,149
Progressive $2,633
State Farm $4,203
Travelers $3,189
USAA $2,485

Category Winners: Cheapest Car Insurance in Atwater, California

Find the cheapest car insurance companies in Atwater, CA for each category right here.

Best Annual Car Insurance Rates by Company in Atwater, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Atwater, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Atwater, California

Insurance Company Low Medium High
Allstate $3,841 $4,111 $4,269
Farmers $4,285 $4,632 $4,881
GEICO $2,324 $2,584 $2,759
Liberty Mutual $2,535 $2,725 $2,851
Nationwide $3,733 $4,224 $4,491
Progressive $2,306 $2,719 $2,874
State Farm $3,786 $4,277 $4,546
Travelers $2,819 $3,267 $3,480
USAA $2,259 $2,532 $2,663

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What affects car insurance rates in Atwater, California?

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

Car Theft in Atwater

High levels of vehicle theft can make car insurance more expensive. Atwater, CA car theft statistics from the FBI indicate 186 vehicle thefts a year.

Commute Time in Atwater

The more time you spend in your car the higher the risk of an accident. The average commute length in Atwater, CA is 28.7 minutes according to City-Data.

Compare Car Insurance Quotes in Atwater, CA

Ready to find affordable Atwater, California car insurance today? Enter your ZIP code for fast, free Atwater, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State