Atwater, CA Car Insurance

Drivers in Atwater pay, on average, $46 a month for their car insurance. To learn more about car insurance rates in the Atwater area, read our guide below.
What can Atwater residents expect to pay for their car insurance? How does Atwater compare to the surrounding area and the rest of California? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Atwater?

Area Average Monthly Car Insurance Premium
Atwater$46
CA$56
United States$80

Looking at the chart above, you can see it's around $10 a month cheaper to insure your vehicle in Atwater than it is in the rest of California.

Compared to the rest of the country, auto insurance in Atwater is more affordable. On average, it's about $34 less to insure your vehicle in Atwater than it is in the rest of the United States.

While these numbers represent the average monthly payments for coverage in Atwater, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Atwater residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$39
35-44$33
45-54Not Enough Data
55-64$42
65+$41

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Atwater drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$43

In general, women pay slightly less for car insurance than men. In Atwater, the difference is around $6 per month. As you can see in the table above, female drivers in the area typically pay $43 on average, while female drivers typically pay $49 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$51
Multiple Accidents$54
1 Ticket$97
Multiple Tickets$83

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Atwater with a single accident on their record will usually see rates around $51 a month. Similarly, drivers with one ticket will typically pay around $97 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$55
4-5 Years$36
6-7 Years$40
8-10 Years$54
11-14 Years$46
15 Years or Older$45

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Atwater, with drivers paying around $38 per month to insure their vehicle.

Car owners, on the other hand, typically pay around $48 a month, while truck and van drivers can expect to pay about $44 per month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Atwater, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$33
Divorced$40
Widowed$52

On average, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

In Atwater, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$43
Live with parents$80

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 less than homeowners in Atwater. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Atwater, CA

Recent trends in car insurance for Atwater drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

Rates in Atwater have been mixed recently. They rose in 2016, fell in 2018, and increased again in 2020, before finishing at $58 in 2021.

How does Atwater compare to neighboring areas?

Why are car insurance rates in Atwater different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Off-street parking access
  • Area laws
  • Number of drivers in the region
  • Regional crime rates
  • Road Safety (how many accidents each locality has)

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Atwater?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Atwater.

Compare the cheapest quotes from dozens of insurance companies

Atwater Insurance FAQs

What factors affect car insurance quotes in Atwater?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Atwater different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Atwater?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Atwater?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Atwater or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes