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Get Cheap Car Insurance in Atwater, CA
We monitor insurance prices, helping the average driver in Atwater save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Atwater
The chart below shows the cheapest car insurance company in Atwater for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Atwater Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Atwater Driver
Based on our extensive insurance data, we know the average Atwater driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $663 per year by choosing the right vehicle insurance company. Some Atwater residents are paying out over $2,074 extra every year for auto insurance in Atwater. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Atwater, CA Savings / Yr. |
|---|---|
$663 |
|
$1,214 |
|
$960 |
|
$1,687 |
|
$866 |
|
$376 |
|
$0 |
Atwater Car Insurance vs. California
People living in Atwater pay an average of 3.27% more than the typical driver in the state. The average driver in Atwater can expect to pay about $971 per year, or $2,074 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Atwater for most people.
Car Insurance Prices by Atwater Neighborhood
Insurance Prices
Where is insurance cheapest within Atwater?
The map shows insurance prices in and around Atwater, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $475 per year within the city boundaries, with insurance premiums ranging from a high of $2,323 to a low of $1,848. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Atwater.Pick the Best Car Insurance Company for You in Atwater
The best car insurance provider for most drivers in Atwater
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $663 over the average Atwater car insurance company.
The best car insurance provider for Atwater drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,214 over the competition.
The best car insurance company for Atwater drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $960 better than other car insurance companies.
The best auto insurance for Atwater drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,687 less each year.
The least expensive car insurance company for new and young drivers in Atwater
In Atwater, State Farm costs young drivers $866 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Atwater
Progressive gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average Atwater couple's premiums.
The cheapest car insurance in Atwater for drivers with bad credit
The best Atwater car insurance company for customer service
Recent price drops
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The cheapest large national provider in Atwater
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Atwater driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Atwater, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Atwater
What Influences the Cost of Car Insurance in Atwater?
On average, car insurance in Atwater is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Atwater are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Atwater has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Atwater is $81 per month for minimum coverage and $173 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Castle Garden: Insurance costs 7.57% less
- Winton: Insurance costs 2.56% more
- McSwain: Insurance costs 8.78% less
- Cressey: Insurance costs 7.09% less
- Merced: Insurance costs 0.10% less
- Livingston: Insurance costs 0.10% less
- Buhach: Insurance costs 8.44% less
- Ballico: Insurance costs 6.51% less
- Delhi: Insurance costs 0.05% less
- Tuttle: Insurance costs 9.02% less
Cities with Similar Populations
- Oak Harbor: Insurance costs 33.37% less
- Gillette: Insurance costs 24.78% less
- West Hollywood: Insurance costs 22.08% more
- Howell: Insurance costs 14.42% less
- Fitchburg: Insurance costs 20.01% less
- Wooster: Insurance costs 48.12% less
- Glen Ellyn: Insurance costs 24.49% less
- Rockledge: Insurance costs 19.58% more
- Maplewood: Insurance costs 12.39% less
- Fairburn: Insurance costs 1.78% less