Atwater, CA Car Insurance

On average, drivers in Atwater pay around $45 per month for their car insurance. To learn more about car insurance rates in the Atwater area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What can Atwater residents expect to pay for their car insurance? Are rates in Atwater higher or lower than those in neighboring areas? How do they compare to the rest of California? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Atwater?

Area Average Monthly Car Insurance Premium
Atwater$45
CA$56
United States$81

Compared to the rest of the California, coverage in Atwater is about $11 a month cheaper.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Atwater is rather affordable. Auto insurance coverage in Atwater is about $36 cheaper than it is for the rest of the United States.

Although these are the average rates for auto insurance in Atwater, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've broken down the average rates for Atwater to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$70
25-34$39
35-44$33
45-54Not Enough Data
55-64$39
65+$40

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Atwater.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$41

Female drivers pay, on average, slightly less than their male counterparts. This is true in Atwater, where women pay around $7 less per month. Looking at the table above, you can see that female drivers pay around $41 on average, while male drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$47
Multiple Accidents$53
1 Ticket$48
Multiple Tickets$83

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Atwater, having a single accident on your record will usually get you rates around $47 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $48.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$43
2-3 Years$53
4-5 Years$35
6-7 Years$40
8-10 Years$51
11-14 Years$46
15 Years or Older$44

According to the first table above, SUVs are usually the cheapest vehicles to insure in Atwater, with drivers paying around $37 per month for auto insurance coverage.

Truck and van drivers will see rates of about $43 for car insurance coverage, while car owners typically pay around $47 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Atwater are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$33
Divorced$40
Widowed$52

Generally speaking, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Atwater can be as much as $16 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$42
Live with parents$80

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than homeowners in Atwater. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Atwater, CA

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Atwater, the rates for auto insurance have been steadily decreasing, reaching a low of $31 in 2022.

How does Atwater compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Crime levels
  • Local laws
  • Total number of drivers in the community
  • Frequency of car accidents
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Atwater?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Atwater.


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Atwater Insurance FAQs

What factors affect car insurance quotes in Atwater?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

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