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 Atwater after a DUI is Liberty Mutual
  • Average car insurance rates in Atwater, CA are $283/month
  • Average car insurance rates in Atwater, CA for senior drivers are $2,042/year

Average car insurance rates in Atwater, California are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Atwater, CA. Before you buy Atwater, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Atwater, CA Minimum Car Insurance Coverage

Atwater, 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 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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Atwater, CA Car Insurance Rates by Coverage Level

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

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

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

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

Atwater, CA Car Insurance Rates for Teens

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

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

Atwater, CA Car Insurance Rates for Seniors

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

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

Atwater, CA Car Insurance Rates by Driver History

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

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

Atwater, CA Car Insurance Rates With a DUI

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

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

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Atwater, CA Car Insurance Rates by Commute

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

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

Atwater, CA Cheapest Car Insurance Rates

How do the top Atwater, California car insurance companies’ average rates stack up against the Atwater average monthly car insurance rates of $283? Take a look and see.

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

Atwater, CA Top Car Insurance Companies

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

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Other Factors Affecting Atwater, CA Car Insurance Rates

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

Atwater, CA Car Theft Rates

The car theft rate in Atwater, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Atwater, California is 186 stolen cars.

Atwater, CA Commute Time

How does your Atwater, CA commute time compare with the average driver? In Atwater, the average commute is 28.7 minutes.

Atwater, CA Car Insurance Quotes

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