Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Atascadero for teen drivers is Progressive
  • Average car insurance rates in Atascadero, CA are $239/month
  • The cheapest car insurance company in Atascadero after a DUI is Liberty Mutual

Average car insurance rates in Atascadero, California are $239 a month. But with a little research you can get a great deal from the top car insurance companies in Atascadero, CA. Before you buy Atascadero, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Atascadero car insurance rates with San Diego car insurance rates, Oakland car insurance rates, or Long Beach car insurance rates to make sure you’re getting the best Atascadero, CA car insurance quotes available.

Need affordable Atascadero, CA car insurance? Enter your ZIP code to compare Atascadero car insurance quotes from multiple car insurance companies near you.

Atascadero, CA Minimum Car Insurance Coverage

Atascadero, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Atascadero, 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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Atascadero, CA Car Insurance Rates by Coverage Level

Some Atascadero drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Atascadero, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Atascadero, California

Insurance Company Low Medium High
Allstate $3,268 $3,447 $3,549
Farmers $3,188 $3,465 $3,661
GEICO $2,353 $2,597 $2,756
Liberty Mutual $2,268 $2,451 $2,572
Nationwide $3,220 $3,676 $3,935
Progressive $1,849 $2,120 $2,207
State Farm $2,948 $3,290 $3,486
Travelers $2,306 $2,696 $2,881
USAA $2,179 $2,435 $2,559

Atascadero, CA Car Insurance Rates by Age, Gender, and Marital Status

Atascadero, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Atascadero, CA car insurance, get quotes from multiple car insurance companies in the Atascadero area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Atascadero, 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 $2,201 $2,206 $1,618 $1,637 $6,092 $7,668 $2,829 $3,120
Farmers $1,881 $1,881 $1,697 $1,697 $5,948 $9,705 $2,223 $2,472
GEICO $1,589 $1,590 $1,495 $1,495 $4,838 $4,925 $2,282 $2,335
Liberty Mutual $1,849 $1,751 $1,719 $1,665 $4,011 $4,266 $2,082 $2,100
Nationwide $2,549 $2,435 $2,244 $2,117 $6,420 $7,096 $3,032 $2,991
Progressive $1,302 $1,339 $1,111 $1,313 $3,421 $4,117 $1,864 $2,002
State Farm $2,559 $2,559 $2,286 $2,286 $4,683 $5,805 $2,831 $2,920
Travelers $1,982 $1,922 $1,759 $1,741 $3,997 $4,567 $2,551 $2,501
USAA $1,718 $1,627 $1,680 $1,686 $3,887 $3,909 $2,377 $2,246

Atascadero, CA Car Insurance Rates for Teens

How much is Atascadero, California car insurance for teens? Compare rates from top Atascadero car insurance companies below to help find the cheapest teen car insurance in Atascadero, CA.

Annual Car Insurance Rates for Teen Drivers in Atascadero, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,092 $7,668
Farmers $5,948 $9,705
GEICO $4,838 $4,925
Liberty Mutual $4,011 $4,266
Nationwide $6,420 $7,096
Progressive $3,421 $4,117
State Farm $4,683 $5,805
Travelers $3,997 $4,567
USAA $3,887 $3,909

Atascadero, CA Car Insurance Rates for Seniors

Before seniors buy Atascadero, California car insurance, they should make sure to shop around. Some Atascadero, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Atascadero, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,618 $1,637
Farmers $1,697 $1,697
GEICO $1,495 $1,495
Liberty Mutual $1,719 $1,665
Nationwide $2,244 $2,117
Progressive $1,111 $1,313
State Farm $2,286 $2,286
Travelers $1,759 $1,741
USAA $1,680 $1,686

Atascadero, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Atascadero, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Atascadero.

Annual Atascadero, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,071 $3,479 $5,424 $2,711
Farmers $2,546 $3,463 $4,308 $3,436
GEICO $1,797 $2,771 $3,478 $2,229
Liberty Mutual $2,109 $2,826 $2,551 $2,235
Nationwide $2,524 $3,234 $5,449 $3,234
Progressive $1,354 $2,288 $2,647 $1,945
State Farm $2,310 $2,757 $5,215 $2,683
Travelers $1,782 $2,845 $3,303 $2,580
USAA $1,592 $2,362 $3,868 $1,742

Atascadero, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Atascadero, CA car insurance rates. Compare rates below to see which Atascadero car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Atascadero, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,424
Farmers $4,308
GEICO $3,478
Liberty Mutual $2,551
Nationwide $5,449
Progressive $2,647
State Farm $5,215
Travelers $3,303
USAA $3,868

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Atascadero, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Atascadero, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Atascadero companies based on commute time.

Annual Car Insurance Rates by Commute Length in Atascadero, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,094 $3,749
Farmers $3,120 $3,756
GEICO $2,334 $2,804
Liberty Mutual $2,232 $2,628
Nationwide $3,194 $4,026
Progressive $1,870 $2,247
State Farm $3,124 $3,359
Travelers $2,372 $2,884
USAA $2,204 $2,578

Atascadero, CA Cheapest Car Insurance Rates

How do the top Atascadero, California car insurance companies’ average rates stack up against the Atascadero average monthly car insurance rates of $239? Take a look and see.

Best Annual Car Insurance Rates by Company in Atascadero, California

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

Atascadero, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Atascadero, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Atascadero, California

Insurance Company Average Annual Rates
Allstate $3,421
Farmers $3,438
GEICO $2,569
Liberty Mutual $2,430
Nationwide $3,610
Progressive $2,059
State Farm $3,241
Travelers $2,628
USAA $2,391

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Other Factors Affecting Atascadero, CA Car Insurance Rates

Before you buy Atascadero, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Atascadero, CA Car Theft Rates

The car theft rate in Atascadero, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Atascadero, California is 35 stolen cars.

Atascadero, CA Commute Time

How does your Atascadero, CA commute time compare with the average driver? In Atascadero, the average commute is 21.1 minutes.

Atascadero, CA Car Insurance Quotes

Compare Atascadero, CA car insurance quotes from multiple companies by entering your ZIP code now.