Best Cheap Auto Insurance in Atlantic, IA (2021)

The average Atlantic, IA auto insurance rates are $259 per month. The minimum auto insurance in Atlantic is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Atlantic, Iowa, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Atlantic, IA for senior drivers are $1,735 per year
  • The cheapest auto insurance company in Atlantic is USAA
  • The most expensive auto insurance company in Atlantic for teen drivers is Travelers

Atlantic, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Atlantic can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Atlantic, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Atlantic to other Iowa cities, including Ames auto insurance rates, Council Bluffs auto insurance rates, and Waterloo auto insurance rates to see how Atlantic, Iowa auto insurance rates stack up.

Before you buy Atlantic, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Atlantic, Iowa auto insurance quotes.

Minimum Auto Insurance in Atlantic, Iowa

Atlantic, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Atlantic, Iowa.

Minimum Required Auto 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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Cheap Atlantic, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Atlantic, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Atlantic, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Atlantic, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Atlantic, Iowa.

Annual Auto 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

Cheap Atlantic, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in Atlantic, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Atlantic, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Atlantic, Iowa compared to the annual auto insurance rates with a clean record in Atlantic, Iowa.

Annual Atlantic, Iowa Auto 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

Cheap Atlantic, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Atlantic, Iowa is not easy. Compare the annual rates for DUI auto insurance in Atlantic, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in Atlantic, Iowa

Insurance Company Annual Auto 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

Cheap Atlantic, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Atlantic, Iowa annual auto insurance rates by credit history compare.

Annual Auto 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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Cheap Atlantic, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Atlantic, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Atlantic, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Atlantic, Iowa

ZIP Code Average Annual Rates
50022 $2,621

Cheap Atlantic, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect Atlantic, Iowa auto insurance. Find the cheapest annual Atlantic, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Atlantic, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Atlantic, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Atlantic, Iowa? Check out the comparison of annual Atlantic, Iowa auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Atlantic, Iowa

Compare the cheapest auto insurance companies in Atlantic, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Atlantic, Iowa Auto Insurance Companies

What auto insurance companies in Atlantic, Iowa are the cheapest? Compare the top Atlantic, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Atlantic, Iowa?

There are a lot of reasons why auto insurance rates in Atlantic, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Atlantic, Iowa. Many local factors may affect your Atlantic auto insurance rates.

Atlantic Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Atlantic, Iowa commute length is 14.5 minutes according to City-Data.

Atlantic Traffic

How does Atlantic, Iowa rank for traffic? According to Inrix Atlantic, Iowa is the 906th most congested worldwide.

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Compare Atlantic, Iowa Auto Insurance Quotes

Before you buy Atlantic, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Atlantic, Iowa auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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