Cheapest Car Insurance Quotes in Atlantis

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Atlantis Car Insurance

^$ 30

/mo

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 Atlantis

The car insurance rate in Atlantis is $2257 for a six-month policy, which is $656 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1441, making it a popular choice for budget-conscious drivers. Rates in Atlantis 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 Atlantis

$2257

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Atlantis

1st place: Travelers

At $1441 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1533 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1784 for six months, making it the third cheapest auto insurance company in Atlantis.

Atlantis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atlantis, FL is Travelers, offering policies at just $1441 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1533.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atlantis drivers find the best deals.

Cheap Car Insurance Companies in Atlantis, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1441	$243
State Farm	$1533	$258
Nationwide	$1784	$300
United Automobile Ins Group	$1926	$321
Progressive	$2011	$338
UAIC	$2011	$336
MetLife	$2119	$361
Farmers	$3367	$561
Mercury	$3635	$618
Allstate	$3660	$616
Metropolitan Group	$1348	$224

Key Takeaways

Way's key takeaways about car insurance in Atlantis

The auto insurance costs in Atlantis fall around $1441 for six months.
The cheapest auto insurance company in Atlantis is Patrons Insurance.
Teen drivers pay the highest rate in Atlantis at $1947 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Atlantis

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 Atlantis are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Atlantis. Their Average 6 Month Premium is $176. Metropolitan Group is the most expensive at $536 for the same period.

Cheapest Liability Coverage in Atlantis, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$176	$30
Travelers	$536	$90
State Farm	$570	$96
Mercury	$603	$102
Nationwide	$670	$114
Farmers	$929	$155
AIG	$946	$161
Progressive	$988	$166
United Automobile Ins Group	$1014	$172
UAIC	$1097	$183
Allstate	$1265	$213
Metropolitan Group	$536	$89

Cheapest Full Coverage Car Insurance in Atlantis

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 Atlantis is Travelers at $243 per month and $1441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atlantis, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1441	$243
State Farm	$1533	$258
Nationwide	$1784	$300
United Automobile Ins Group	$1926	$321
Progressive	$2011	$338
UAIC	$2011	$336
MetLife	$2119	$361
Farmers	$3367	$561
Mercury	$3635	$618
Allstate	$3660	$616
Metropolitan Group	$1348	$224

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Average Car Insurance in Atlantis 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 Atlantis, FL increasing?

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

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

Car Insurance Premiums by Age in Atlantis

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	Travelers	$1829
40s	Travelers	$1380
50s	Travelers	$1287
60s	Travelers	$1269

Cheapest Car Insurance Rates for Teen Drivers in Atlantis,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Atlantis at $127 per month. At $11449 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$763	$127
AIG	$1031	$175
Travelers	$2336	$393
State Farm	$3074	$517
UAIC	$4573	$763
United Automobile Ins Group	$4749	$808
Allstate	$7202	$1213
Mercury	$8928	$1503
Progressive	$9540	$1606
Farmers	$11449	$1947

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Atlantis.

As young drivers face the highest rates in Atlantis, Travelers offers the cheapest auto insurance rates at $1829 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Atlantis, Nationwide is the cheapest car insurance provider. At $912 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Atlantis is Allstate, offering rates of around $7321 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$912	$155
Mercury	$997	$166
Direct General Insurance	$1039	$176
Travelers	$1977	$333
UAIC	$2011	$341
Progressive	$3886	$647
Farmers	$4657	$792
State Farm	$6977	$1163
Allstate	$7321	$1245

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Car Insurance Rates with An Accident in Atlantis

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 Atlantis, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Atlantis include Nationwide and AIG, offering $963 and $1231, respectively. National General is an expensive provider with an average six-month premium of $1490.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$963	$161
AIG	$1231	$209
Travelers	$1390	$234
State Farm	$1433	$241
United Automobile Ins Group	$2504	$417
Mercury	$2587	$436
UAIC	$2621	$437
Progressive	$3433	$578
Farmers	$4698	$783
Allstate	$6356	$1070
National General	$1490	$254

Atlantis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atlantis FL. For example, the car insurance in Atlantis after a DUI increases to $1322 for a six month policy. While the rate increases by $402 for a six-month policy in the case of a speeding ticket.

Atlantis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2572	$429
One Med/PIP claim	$2572	$437
Not-at-fault accident	$2781	$464
Two Med/PIP claims	$2857	$485
One comp claim	$2898	$484
Child safety restraint	$2906	$494
Failure to wear a seat belt	$2906	$485
Driving without lights	$2914	$495
Failure to show documents	$2914	$486
Speeding 6 - 10 MPH over limit	$2974	$506
Improper passing	$2982	$496
Passing school bus	$2982	$508
Wrong way/wrong lane	$2982	$496
Failure to stop at a red light	$2991	$509
Failure to yield	$2991	$498
Illegal turn	$2991	$509
Cell phone violation	$2999	$499
Driving with expired registration	$2999	$510
Following too closely	$2999	$499
Texting while driving	$3006	$512
Two comp claims	$3074	$512
Driving too slowly	$3091	$526
Speeding in school zone	$3091	$515
Speeding 11 - 15 MPH over limit	$3099	$527
In 65 MPH zone	$3208	$534
Speeding 16 - 20 MPH over limit	$3208	$546
Speeding 21 - 25 MPH over limit	$3225	$537
Open container	$3259	$554
Operating a vehicle without permission	$3259	$543
At-fault accident - less than $1000	$3535	$601
At-fault accident - $1000-$2000	$3593	$599
At-fault accident - greater than $2000	$3593	$611
Racing	$3886	$647
DUI	$3894	$663
Refusal to submit to a chemical test	$3894	$649
Driving with a suspended license	$3962	$674
Reckless driving	$4045	$674
Leaving scene of an accident/hit and run	$4088	$695

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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 Atlantis 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 Atlantis.

The cheapest car insurance premiums in Atlantis are offered by AIG at $905 for a six-month policy. However, it can be as expensive as $1122 with companies like National General.

Atlantis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$905	$151
Travelers	$1441	$243
State Farm	$1750	$295
Progressive	$1767	$298
Allstate	$3216	$541
UAIC	$3543	$602
Farmers	$3828	$637
National General	$1122	$188

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 Atlantis are offered by Nationwide at $787. However, it can be as expensive as $4088 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Atlantis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$787	$134
State Farm	$1014	$171
Travelers	$1214	$204
UAIC	$2011	$336
Allstate	$2304	$388
Progressive	$3325	$554
Farmers	$4088	$695

Car Insurance Price Trends in Atlantis, Florida

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

The average cost of full coverage in the Atlantis remained steady at $389 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Atlantis remained steady at $118 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Atlantis?

The car insurance in Atlantis is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Atlantis?

The cheapest car insurance in Atlantis is $243 per month for full coverage.

How much is car insurance in Atlantis for teenagers?

Car insurance for teenagers costs $763 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 Atlantis?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $379 per month to insure your car in Atlantis.

Is car insurance expensive in Atlantis?

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

Cheapest Car Insurance Quotes in Atlantis

Why you can trust Way?

How Much Is Car Insurance in Atlantis

Avg. Car Insurance in Atlantis

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Atlantis

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Atlantis Car Insurance Rates by Company

Cheap Car Insurance Companies in Atlantis, FL

Way's key takeaways about car insurance in Atlantis

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atlantis

Cheapest Liability Coverage in Atlantis, FL

Cheapest Full Coverage Car Insurance in Atlantis

Cheapest Full Coverage Car Insurance Quotes in Atlantis, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atlantis by Rating Factor

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

Car Insurance Premiums by Age in Atlantis

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atlantis,FL

If you are in your twenties Travelers is the best choice for car insurance in Atlantis.

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 Atlantis

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

Atlantis Car Insurance Rates by Violation

Atlantis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atlantis after a DUI

Atlantis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atlantis after Speeding ticket

Car Insurance Price Trends in Atlantis, Florida

Average Car Insurance Cost in Atlantis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atlantis, FL

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

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