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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Atlantic, IA are $259/month
  • Average car insurance rates in Atlantic, IA for senior drivers are $1,735/year
  • The cheapest car insurance company in Atlantic after a DUI is Progressive

Average car insurance rates in Atlantic, Iowa are $259 a month. But with a little research you can get a great deal from the top car insurance companies in Atlantic, IA. Before you buy Atlantic, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Atlantic car insurance rates with Ames car insurance rates, Sioux City car insurance rates, or Cedar Rapids car insurance rates to make sure you’re getting the best Atlantic, IA car insurance quotes available.

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

Atlantic, IA Minimum Car Insurance Coverage

Atlantic, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

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

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Atlantic, IA Car Insurance Rates by Coverage Level

Some Atlantic drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Atlantic, Iowa car insurance rates may be based on the coverage you need.

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

Atlantic, IA Car Insurance Rates by Age, Gender, and Marital Status

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

Atlantic, IA Car Insurance Rates for Teens

How much is Atlantic, Iowa car insurance for teens? Compare rates from top Atlantic car insurance companies below to help find the cheapest teen car insurance in Atlantic, IA.

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

Atlantic, IA Car Insurance Rates for Seniors

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

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

Atlantic, IA Car Insurance Rates by Credit History

How does your credit history affect Atlantic, IA car insurance rates? Review the numbers here to find out.

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

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Atlantic, IA Car Insurance Rates by Driver History

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

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

Atlantic, IA Car Insurance Rates With a DUI

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

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

Atlantic, IA Car Insurance Rates by Commute

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

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

Atlantic, IA Cheapest Car Insurance Rates

How do the top Atlantic, Iowa car insurance companies’ average rates stack up against the Atlantic average monthly car insurance rates of $259? Take a look and see.

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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Atlantic, IA Top Car Insurance Companies

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

Other Factors Affecting Atlantic, IA Car Insurance Rates

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

Atlantic, IA Commute Time

How does your Atlantic, IA commute time compare with the average driver? In Atlantic, the average commute is 14.5 minutes.

Atlantic, IA Traffic

Spending time in Atlantic traffic can lead to higher car insurance rates. According to INRIX data, Atlantic, IA ranks as the 906th-most congested with traffic in the world.

Atlantic, IA Car Insurance Quotes

Compare Atlantic, IA car insurance quotes from multiple companies by entering your ZIP code now.