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Finding the cheapest car insurance quotes in Atomic City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Atomic City
The car insurance rate in Atomic City is $544 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Atomic City 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.
At $312 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $337 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Idaho Farm Bureau
Idaho Farm Bureau offers auto insurance
rates at $367
for six months, making it
the third cheapest auto insurance company in Atomic City.
Atomic City Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Atomic City, ID is American National P&C, offering policies at just $312 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $337.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1046 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atomic City drivers find the best deals.
Way's key takeaways about car insurance in Atomic City
The auto insurance costs in Atomic City fall around $312 for six
months.
The cheapest auto insurance company in Atomic City is USAA.
Teen drivers pay the highest rate in Atomic City at $542 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Atomic City
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 Atomic City are given below.
USAA provides
the cheapest minimum car insurance
coverage in Atomic City. Their Average 6 Month Premium is $116.
Nationwide is the most
expensive at $367 for the same
period.
Cheapest Full Coverage Car Insurance in Atomic City
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 Atomic City is American National P&C
at $54 per month and $312
for six months.
Cheapest Full Coverage Car Insurance Quotes in Atomic City,
ID
Get Your Car Insurance Quote in Atomic City
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Average Car Insurance in Atomic City 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 Atomic City, ID increasing?
Despite maintaining a clean driving record, your car insurance rates
in Atomic City, Idaho, may be increasing due to several external factors.
Idaho has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Atomic City's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Atomic City
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
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Cheapest Car Insurance Rates for Teen Drivers in
Atomic City,ID
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Atomic City at $26
per
month. At $3218 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Atomic City.
As young drivers face the highest rates in Atomic City, N/A
offers the cheapest auto insurance rates at $N/A 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 Atomic City,
Idaho Farm Bureau is
the cheapest car insurance provider. At $227 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
Atomic City is Allstate, offering
rates of around $1492 for six
months.
Save up to $971/yr on car insurance rates in Atomic City.
Car Insurance Rates with An Accident in Atomic City
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 Atomic City, ID,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Atomic City
The cheapest car insurance companies after an at-fault accident in
Atomic City include American National
and AutoOwners Insurance Co, offering $165
and $177,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1597.
Here is a list of driving violations that can increase your car
insurance rates in Atomic City ID. For example, the car
insurance in Atomic City
after a DUI increases to $508 for a six
month policy. While the rate increases by $152 for a six-month policy in the case of
a speeding ticket.
Atomic City auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$747
$125
One Med/PIP claim
$753
$128
Not-at-fault accident
$770
$129
One comp claim
$795
$135
Failure to wear a seat belt
$808
$135
Two Med/PIP claims
$808
$137
Child safety restraint
$863
$144
Driving without lights
$863
$146
Two comp claims
$868
$145
Failure to show documents
$874
$148
Cell phone violation
$893
$149
Driving with expired registration
$893
$151
Following too closely
$893
$149
Illegal turn
$893
$151
Texting while driving
$893
$149
Wrong way/wrong lane
$893
$151
Driving too slowly
$899
$150
Failure to yield
$899
$152
Speeding 11 - 15 MPH over limit
$899
$150
Speeding 6 - 10 MPH over limit
$899
$152
Failure to stop at a red light
$905
$151
Improper passing
$912
$155
Speeding 16 - 20 MPH over limit
$912
$152
In 65 MPH zone
$918
$157
Speeding in school zone
$918
$153
Speeding 21 - 25 MPH over limit
$930
$159
Open container
$991
$165
At-fault accident - less than $1000
$997
$170
Passing school bus
$1022
$170
Operating a vehicle without permission
$1034
$176
At-fault accident - $1000-$2000
$1095
$182
At-fault accident - greater than $2000
$1095
$186
Driving with a suspended license
$1199
$200
Reckless driving
$1205
$205
Refusal to submit to a chemical test
$1217
$203
DUI
$1255
$213
Racing
$1255
$209
Leaving scene of an accident/hit and run
$1284
$218
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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 Atomic City 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 Atomic City.
The cheapest car insurance premiums in
Atomic City are
offered by American National P&C at $214 for a six-month policy.
However, it can be as
expensive as $1573 with companies
like Nationwide.
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 Atomic City are offered by AutoOwners Insurance Co
at $153. However,
it can be as expensive as $1187
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Atomic City after Speeding ticket
Car insurance rates in Atomic City have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Atomic City rose by
$137 in December
compared to $136 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Atomic City remained steady at $34 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Atomic City by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Atomic City. At $1087 for a
six-month policy, insuring
your car at 83215 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Atomic City?
The car insurance in Atomic City is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Atomic City?
The cheapest car insurance in Atomic City
is $54 per month
for full coverage.
How much is car insurance in Atomic City for teenagers?
Car insurance for teenagers costs $153 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
Atomic City?
The average cost of car insurance is $528 for a six-month
policy. It will cost around $92 per month to insure your
car in Atomic City.
Is car insurance expensive in Atomic City?
Car insurance can be expensive in Atomic City if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Atomic City can be
affordable.
What is the best car insurance in Atomic City,
ID?
The best car insurance company in Atomic City
ID is
American National P&C, offering $312 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Atomic City, ID
Car Insurance Rates by State in the USA (2025 Update)
Atomic City Car Insurance
