Cheapest Car Insurance Quotes in Atwood

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Atwood Car Insurance

^$ 29

/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 Atwood

The car insurance rate in Atwood is $1051 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $505, making it a popular choice for budget-conscious drivers. Rates in Atwood 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 Atwood

$1051

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Atwood

1st place: AutoOwners Insurance Co

At $505 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $744 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $790 for six months, making it the third cheapest auto insurance company in Atwood.

Atwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atwood, KS is AutoOwners Insurance Co, offering policies at just $505 for a six-month term. This is followed by Travelers, which has an average six-month premium of $744.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atwood drivers find the best deals.

Cheap Car Insurance Companies in Atwood, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$84
Travelers	$744	$125
American Family	$790	$133
USAA	$790	$133
Nationwide	$861	$145
Shelter	$932	$157
Auto-Owners	$1068	$178
State Farm	$1081	$182
Progressive	$1185	$199
Farmers	$1218	$205
Encompass	$1372	$229
Farm Bureau	$1444	$245
Allstate	$1676	$282

Key Takeaways

Way's key takeaways about car insurance in Atwood

The auto insurance costs in Atwood fall around $505 for six months.
The cheapest auto insurance company in Atwood is USAA.
Teen drivers pay the highest rate in Atwood at $838 per month.

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Cheapest Minimum Liability Car Insurance in Atwood

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 Atwood are given below.

USAA provides the cheapest minimum car insurance coverage in Atwood. Their Average 6 Month Premium is $174. Encompass is the most expensive at $259 for the same period.

Cheapest Liability Coverage in Atwood, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$174	$29
Auto-Owners Insurance Co	$181	$31
Iowa Farm Bureau	$227	$38
Farmers Union Insurance	$240	$40
Travelers	$246	$41
Auto-Owners	$259	$44
Electric	$259	$44
Kansas Farm Bureau	$271	$46
Progressive	$278	$47
American Family	$284	$48
State Farm	$284	$48
Farm Bureau	$291	$49
Shelter	$330	$56
Farmers	$473	$80
Allstate	$628	$106
Encompass	$259	$44

Cheapest Full Coverage Car Insurance in Atwood

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 Atwood is AutoOwners Insurance Co at $84 per month and $505 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atwood, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$84
Travelers	$744	$125
American Family	$790	$133
USAA	$790	$133
Nationwide	$861	$145
Shelter	$932	$157
Auto-Owners	$1068	$178
State Farm	$1081	$182
Progressive	$1185	$199
Farmers	$1218	$205
Encompass	$1372	$229
Farm Bureau	$1444	$245
Allstate	$1676	$282

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Average Car Insurance in Atwood 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 Atwood, KS increasing?

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

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

Car Insurance Premiums by Age in Atwood

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	Nationwide	$833
30s	Nationwide	$716
40s	Nationwide	$580
50s	Nationwide	$531
60s	Nationwide	$506
70s	Nationwide	$549

Cheapest Car Insurance Rates for Teen Drivers in Atwood,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Atwood at $40 per month. At $4979 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$240	$40
Iowa Farm Bureau	$266	$45
Farmers Union Insurance	$278	$47
Kansas Farm Bureau	$356	$59
Travelers	$771	$130
American Family	$1359	$229
USAA	$1612	$271
State Farm	$2273	$383
Shelter	$2532	$426
Progressive	$2551	$429
Farmers	$2940	$495
Farm Bureau	$3250	$542
Allstate	$4979	$838

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Atwood.

As young drivers face the highest rates in Atwood, Nationwide offers the cheapest auto insurance rates at $833 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 Atwood, Iowa Farm Bureau is the cheapest car insurance provider. At $434 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 Atwood is State Farm, offering rates of around $4571 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$434	$74
Farmers Union Insurance	$440	$73
Nationwide	$473	$81
Travelers	$828	$140
USAA	$1055	$180
Progressive	$1081	$182
Shelter	$1172	$197
American Family	$1198	$202
Farmers	$1554	$262
Farm Bureau	$2667	$445
Allstate	$2797	$475
State Farm	$4571	$762

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

Car Insurance Rates with An Accident in Atwood

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 Atwood, KS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Atwood include AutoOwners Insurance Co and Electric, offering $220 and $311, respectively. Encompass is an expensive provider with an average six-month premium of $356.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Electric	$311	$52
Iowa Farm Bureau	$350	$58
Farmers Union Insurance	$370	$63
Auto-Owners	$388	$64
Kansas Farm Bureau	$492	$84
Travelers	$557	$94
USAA	$641	$108
State Farm	$712	$120
American Family	$758	$128
Shelter	$997	$168
Progressive	$1256	$211
Farmers	$2182	$367
Farm Bureau	$2189	$372
Allstate	$2422	$408
Encompass	$356	$61

Atwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atwood KS. For example, the car insurance in Atwood after a DUI increases to $1107 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Atwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1269	$211
One Med/PIP claim	$1269	$216
Not-at-fault accident	$1301	$217
Two Med/PIP claims	$1359	$231
One comp claim	$1366	$228
Failure to show documents	$1405	$239
Two comp claims	$1418	$237
Failure to wear a seat belt	$1431	$243
Child safety restraint	$1469	$245
Driving with expired registration	$1469	$250
Driving without lights	$1469	$245
Speeding 6 - 10 MPH over limit	$1515	$257
Cell phone violation	$1535	$256
Driving too slowly	$1535	$261
Texting while driving	$1535	$256
Failure to yield	$1548	$263
Following too closely	$1548	$258
Illegal turn	$1548	$263
Wrong way/wrong lane	$1548	$258
In 65 MPH zone	$1554	$264
Speeding 11 - 15 MPH over limit	$1554	$259
Failure to stop at a red light	$1561	$265
Improper passing	$1561	$261
Speeding in school zone	$1561	$265
Speeding 16 - 20 MPH over limit	$1566	$262
Open container	$1579	$268
Operating a vehicle without permission	$1592	$266
Passing school bus	$1606	$273
Speeding 21 - 25 MPH over limit	$1606	$268
At-fault accident - less than $1000	$1625	$277
At-fault accident - $1000-$2000	$1793	$299
At-fault accident - greater than $2000	$1793	$305
Racing	$1982	$330
Reckless driving	$2149	$365
Driving with a suspended license	$2330	$388
Refusal to submit to a chemical test	$2357	$401
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2473	$421

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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 Atwood 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 Atwood.

The cheapest car insurance premiums in Atwood are offered by Farmers Union Insurance at $427 for a six-month policy. However, it can be as expensive as $3431 with companies like Farm Bureau.

Atwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$427	$73
Travelers	$590	$99
American Family	$700	$118
Progressive	$790	$133
State Farm	$965	$162
USAA	$1243	$209
Shelter	$1425	$240
Farmers	$1451	$244
Allstate	$2085	$351
Farm Bureau	$3431	$572

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 Atwood are offered by Iowa Farm Bureau at $284. However, it can be as expensive as $3704 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Atwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$284	$48
Auto-Owners Insurance Co	$298	$50
Farmers Union Insurance	$317	$53
Travelers	$628	$106
American Family	$680	$114
USAA	$687	$114
State Farm	$700	$118
Progressive	$938	$158
Farm Bureau	$1237	$210
Shelter	$1379	$230
Farmers	$1482	$250
Allstate	$3704	$617

Car Insurance Price Trends in Atwood, Kansas

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

The average cost of full coverage in the Atwood rose by $202 in December compared to $201 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 Atwood rose to $50 in December, compared to $49 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Atwood?

The car insurance in Atwood is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Atwood?

The cheapest car insurance in Atwood is $84 per month for full coverage.

How much is car insurance in Atwood for teenagers?

Car insurance for teenagers costs $240 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 Atwood?

The average cost of car insurance is $964 for a six-month policy. It will cost around $177 per month to insure your car in Atwood.

Is car insurance expensive in Atwood?

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

Cheapest Car Insurance Quotes in Atwood

Why you can trust Way?

How Much Is Car Insurance in Atwood

Avg. Car Insurance in Atwood

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Atwood

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Atwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Atwood, KS

Way's key takeaways about car insurance in Atwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atwood

Cheapest Liability Coverage in Atwood, KS

Cheapest Full Coverage Car Insurance in Atwood

Cheapest Full Coverage Car Insurance Quotes in Atwood, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atwood by Rating Factor

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

Car Insurance Premiums by Age in Atwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atwood,KS

If you are in your twenties Nationwide is the best choice for car insurance in Atwood.

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 Atwood

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

Atwood Car Insurance Rates by Violation

Atwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atwood after a DUI

Atwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atwood after Speeding ticket

Car Insurance Price Trends in Atwood, Kansas

Average Car Insurance Cost in Atwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atwood, KS

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

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