Buy Cheap Atwater, CA Auto Insurance (2021)

Atwater, CA auto insurance rates average $283 a month. Minimum auto insurance requirements in Atwater, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Atwater, CA, compare Atwater auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Atwater, CA for teens drivers are $5,704/year
  • The most expensive auto insurance company in Atwater after a DUI is State Farm
  • The most expensive auto insurance company in Atwater is Farmers

Finding affordable Atwater, California auto insurance can be challenging, but everything you need to know to buy cheap Atwater, CA auto insurance with confidence is right here. Auto insurance rates in Atwater are affected by local factors as well as personal ones like your driving record.

See how Atwater, CA car insurance rates compare to San Jose auto insurance rates, Long Beach auto insurance rates, and Oakland auto insurance rates before you read more about the cost of auto insurance in Atwater.

Don’t buy Atwater, CA auto insurance until you’ve compared rates. Get free Atwater, California auto insurance quotes when you enter your ZIP code above.

Atwater, CA Minimum Auto Insurance Requirements

The required auto insurance in Atwater, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Atwater, California is outlined here.

Minimum Required Auto 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

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Buy Cheap Atwater, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Atwater, California auto insurance rates? Find out how car insurance rates in Atwater, CA are impacted by demographics.

Annual Auto 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

Buy Cheap Atwater, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Atwater can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Atwater, CA are listed here.

Annual Auto 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

Buy Cheap Atwater, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Atwater, California by comparing Atwater senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Atwater, CA here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Atwater, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Atwater, California auto insurance. Compare Atwater, CA auto insurance rates by coverage level.

Annual Auto 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

Find Cheap Atwater, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Atwater. Compare auto insurance rates in Atwater, CA by commute length to see how your daily commute impacts your rates.

Annual Auto 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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Find Cheap Atwater, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Atwater, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Atwater, CA, take a look at the average cost for various violations versus rates for a clean driving record in Atwater.

Annual Atwater, California Auto 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

Find Cheap Atwater, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Atwater, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Atwater for less when you shop around and compare rates from multiple Atwater, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Atwater, California

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Atwater, CA

Compare rates from the cheapest auto insurance companies in Atwater, CA for your needs. Take a look at how Atwater, California auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Atwater, California Auto Insurance Companies

If you’re looking for the cheapest Atwater, CA auto insurance companies overall, you can compare them here. Find the best price for Atwater, California car insurance by company.

Average Annual Auto 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

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What affects Atwater, California auto insurance rates?

Local factors affect auto insurance rates in Atwater, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Atwater auto insurance rates.

Auto Theft in Atwater

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Atwater, CA auto theft show a total of 186 vehicle thefts annually.

Commute Times in Atwater

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Atwater, CA is 28.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Atwater, CA

You can buy cheap Atwater, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Atwater, California auto insurance quotes from top companies.

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