Cheapest Car Insurance Quotes in Atascadero

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Atascadero Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Atascadero

The car insurance rate in Atascadero is $880 for a six-month policy, which is $131 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $559, making it a popular choice for budget-conscious drivers. Rates in Atascadero can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Atascadero

$880

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Atascadero

1st place: CSAA

At $559 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $708 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $749 for six months, making it the third cheapest auto insurance company in Atascadero.

Atascadero Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atascadero, CA is CSAA, offering policies at just $559 for a six-month term. This is followed by USAA, which has an average six-month premium of $708.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $672 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atascadero drivers find the best deals.

Cheap Car Insurance Companies in Atascadero, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$559	$94
USAA	$708	$119
Mercury	$749	$126
AAA SoCal	$821	$140
Progressive	$863	$145
Allstate	$946	$159
Wawanesa	$951	$160
AAA NorCal	$961	$164
Auto Club	$992	$165
State Farm	$1049	$177
AAA	$1194	$199
Kemper	$1235	$210
Farmers	$1380	$230
Capital Insurance Group	$615	$103
National General	$626	$106
State National	$636	$106
Hartford	$672	$114

Key Takeaways

Way's key takeaways about car insurance in Atascadero

The auto insurance costs in Atascadero fall around $559 for six months.
The cheapest auto insurance company in Atascadero is CSAA.
Teen drivers pay the highest rate in Atascadero at $58 per month.

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Cheapest Minimum Liability Car Insurance in Atascadero

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Atascadero are given below.

CSAA provides the cheapest minimum car insurance coverage in Atascadero. Their Average 6 Month Premium is $134. 21st Century is the most expensive at $351 for the same period.

Cheapest Liability Coverage in Atascadero, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$134	$23
AAA	$238	$40
USAA	$248	$42
AAA NorCal	$258	$44
AAA SoCal	$295	$50
Progressive	$300	$50
Auto Club	$305	$52
State Farm	$315	$53
Wawanesa	$320	$54
Mercury	$341	$57
Allstate	$367	$62
Farmers	$439	$73
Kemper	$243	$41
Capital Insurance Group	$264	$45
State National	$279	$48
National General	$346	$57
21st Century	$351	$60

Cheapest Full Coverage Car Insurance in Atascadero

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Atascadero is CSAA at $94 per month and $559 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atascadero, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$559	$94
USAA	$708	$119
Mercury	$749	$126
AAA SoCal	$821	$140
Progressive	$863	$145
Allstate	$946	$159
Wawanesa	$951	$160
AAA NorCal	$961	$164
Auto Club	$992	$165
State Farm	$1049	$177
AAA	$1194	$199
Kemper	$1235	$210
Farmers	$1380	$230
Capital Insurance Group	$615	$103
National General	$626	$106
State National	$636	$106
Hartford	$672	$114

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Average Car Insurance in Atascadero by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Atascadero, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Atascadero, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Atascadero's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Atascadero

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$509
30s	Wawanesa	$411
40s	Wawanesa	$411
50s	Wawanesa	$411
60s	Wawanesa	$411
70s	Wawanesa	$402

Cheapest Car Insurance Rates for Teen Drivers in Atascadero,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Atascadero at $34 per month. At $341 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$202	$34
Capital Insurance Group	$455	$76
USAA	$1085	$183
Mercury	$1101	$185
Wawanesa	$1209	$205
Progressive	$1266	$213
CSAA	$1524	$257
State Farm	$1809	$305
AAA SoCal	$1958	$333
Allstate	$2098	$353
Auto Club	$2238	$380
AAA NorCal	$2981	$497
Farmers	$3044	$518
State National	$325	$54
Marcury	$341	$58

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Atascadero.

As young drivers face the highest rates in Atascadero, Wawanesa offers the cheapest auto insurance rates at $509 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Atascadero.

Car Insurance Rates with An Accident in Atascadero

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Atascadero, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Atascadero

The cheapest car insurance companies after an at-fault accident in Atascadero include AAA and Capital Insurance Group, offering $331 and $475, respectively. 21st Century is an expensive provider with an average six-month premium of $594.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$331	$56
Capital Insurance Group	$475	$81
CSAA	$636	$107
USAA	$951	$160
Progressive	$1101	$185
Mercury	$1168	$198
Wawanesa	$1343	$224
AAA SoCal	$1411	$240
Auto Club	$1489	$248
Farmers	$1529	$258
State Farm	$1819	$306
AAA NorCal	$1948	$331
Allstate	$2341	$394
State National	$392	$65
Hartford	$455	$77
National General	$522	$87
Nationwide	$563	$96
21st Century	$594	$99

Atascadero Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atascadero CA. For example, the car insurance in Atascadero after a DUI increases to $1513 for a six month policy. While the rate increases by $397 for a six-month policy in the case of a speeding ticket.

Atascadero auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$946	$157
Not-at-fault accident	$946	$161
One comp claim	$946	$157
One Med/PIP claim	$946	$161
Two comp claims	$946	$157
Two Med/PIP claims	$946	$161
At-fault accident - less than $1000	$967	$161
Failure to show documents	$1246	$211
Driving with expired registration	$1271	$212
Driving without lights	$1271	$216
Failure to wear a seat belt	$1276	$213
Child safety restraint	$1287	$218
Speeding 11 - 15 MPH over limit	$1338	$223
Speeding 16 - 20 MPH over limit	$1338	$228
Driving too slowly	$1343	$224
Failure to stop at a red light	$1343	$229
Failure to yield	$1343	$224
Following too closely	$1343	$229
Illegal turn	$1343	$224
In 65 MPH zone	$1343	$229
Speeding 21 - 25 MPH over limit	$1343	$224
Speeding 6 - 10 MPH over limit	$1343	$229
Speeding in school zone	$1343	$224
Improper passing	$1349	$230
Cell phone violation	$1354	$225
Texting while driving	$1354	$231
Passing school bus	$1369	$228
Wrong way/wrong lane	$1602	$272
Operating a vehicle without permission	$1638	$273
At-fault accident - $1000-$2000	$1649	$280
At-fault accident - greater than $2000	$1649	$275
Open container	$1654	$281
Driving with a suspended license	$1917	$319
Reckless driving	$2336	$398
Racing	$2362	$393
Leaving scene of an accident/hit and run	$2372	$404
DUI	$2459	$410
Refusal to submit to a chemical test	$2459	$418

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Atascadero after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Atascadero.

The cheapest car insurance premiums in Atascadero are offered by AAA at $651 for a six-month policy. However, it can be as expensive as $548 with companies like Kemper.

Atascadero car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$651	$110
Capital Insurance Group	$708	$118
Mercury	$842	$142
Progressive	$1246	$210
Wawanesa	$1514	$258
Farmers	$1607	$271
USAA	$1710	$288
CSAA	$1809	$305
AAA SoCal	$2615	$445
Auto Club	$2992	$499
AAA NorCal	$3447	$586
State Farm	$3679	$619
Allstate	$3788	$638
Travelers	$729	$122
National General	$341	$57
Kemper	$548	$91

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Atascadero are offered by CSAA at $83. However, it can be as expensive as $392 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Atascadero after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$83	$14
Capital Insurance Group	$455	$76
Mercury	$775	$131
USAA	$812	$135
Progressive	$873	$147
AAA NorCal	$1209	$202
AAA SoCal	$1297	$221
Allstate	$1334	$222
State Farm	$1411	$240
Farmers	$1953	$325
AAA	$253	$43
Kemper	$320	$55
National General	$341	$57
State National	$392	$67

Car Insurance Price Trends in Atascadero, California

Car insurance rates in Atascadero have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Atascadero rose by $167 in December compared to $165 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Atascadero rose to $47 in December, compared to $45 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Atascadero?

The car insurance in Atascadero is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Atascadero?

The cheapest car insurance in Atascadero is $94 per month for full coverage.

How much is car insurance in Atascadero for teenagers?

Car insurance for teenagers costs $202 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Atascadero?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $148 per month to insure your car in Atascadero.

Is car insurance expensive in Atascadero?

Car insurance can be expensive in Atascadero if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Atascadero can be affordable.

Cheapest Car Insurance Quotes in Atascadero

Why you can trust Way?

How Much Is Car Insurance in Atascadero

Avg. Car Insurance in Atascadero

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Atascadero

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Atascadero Car Insurance Rates by Company

Cheap Car Insurance Companies in Atascadero, CA

Way's key takeaways about car insurance in Atascadero

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atascadero

Cheapest Liability Coverage in Atascadero, CA

Cheapest Full Coverage Car Insurance in Atascadero

Cheapest Full Coverage Car Insurance Quotes in Atascadero, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atascadero by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Atascadero, CA increasing?

Car Insurance Premiums by Age in Atascadero

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atascadero,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Atascadero.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Atascadero

Cheapest Car Insurance Companies after an At-Fault Accident in Atascadero

Atascadero Car Insurance Rates by Violation

Atascadero auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atascadero after a DUI

Atascadero car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atascadero after Speeding ticket

Car Insurance Price Trends in Atascadero, California

Average Car Insurance Cost in Atascadero by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atascadero, CA

Car Insurance Rates by State in the USA (2025 Update)

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