Cheapest car insurance companies in Atchison
Nationwide and Travelers offer the cheapest car insurance rates in Atchison for 2023, according to a study by Insurance.com.
Nationwide offers the cheapest car insurance premium for Atchison drivers at an annual rate of $1,236 a year, on average.
Car insurance costs may vary in Atchison based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Atchison.
| Companies | Average annual rates |
|---|---|
| USAA | $1,053 |
| Nationwide | $1,236 |
| Travelers | $1,457 |
| Geico | $1,545 |
| Progressive | $1,626 |
| State Farm | $1,954 |
| Farmers | $2,017 |
| Iowa Farm Bureau | $2,079 |
| Shelter Insurance | $2,132 |
| Allstate | $2,899 |
Cheapest car insurance cost in Atchison by Age Group
The cheapest auto insurance company in Atchison for teen drivers is Nationwide. For full coverage, its average annual rate for Atchison drivers is $3,793. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
For young drivers in Atchison, USAA has the cheapest auto insurance rates, with an average annual cost of $1,726 annually.
For Atchison drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,068 annually.
USAA is the cheapest option for senior drivers in Atchison, with an average premium of $1,001 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Nationwide | $3,793 | $1,955 | $1,206 | $1,051 |
| USAA | $3,848 | $1,726 | $1,068 | $1,001 |
| Travelers | $4,095 | $2,178 | $1,470 | $1,338 |
| Geico | $4,869 | $2,580 | $1,565 | $1,776 |
| State Farm | $5,244 | $3,134 | $1,950 | $1,786 |
| Iowa Farm Bureau | $5,501 | $3,338 | $1,975 | $1,673 |
| Shelter Insurance | $6,136 | $3,540 | $2,061 | $1,719 |
| Progressive | $6,633 | $2,560 | $1,638 | $1,543 |
| Farmers | $6,848 | $2,661 | $1,932 | $1,897 |
| Allstate | $9,547 | $4,729 | $2,859 | $2,838 |
Cheapest car insurance companies in Atchison by driver profile
Car insurance rates in Atchison vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
To find the cheapest car insurance company in Atchison, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
In Atchison, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
If you're a Atchison driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,357 annually.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Atchison.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,357 |
| Geico | $1,455 |
| USAA | $1,899 |
| Travelers | $2,327 |
| Progressive | $2,367 |
| Farmers | $2,861 |
| State Farm | $3,119 |
| Allstate | $3,691 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Atchison. It offers full coverage car insurance for drivers aged 30 at about $1,228 per year.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,228 |
| Nationwide | $1,267 |
| State Farm | $1,488 |
| Geico | $1,501 |
| Progressive | $1,792 |
| Travelers | $1,813 |
| Farmers | $2,517 |
| Allstate | $2,655 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Atchison is $1,582. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,582 |
| USAA | $1,585 |
| Nationwide | $1,591 |
| Travelers | $1,941 |
| Geico | $2,147 |
| Progressive | $2,272 |
| Farmers | $2,838 |
| Allstate | $3,572 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Atchison. On average, its annual full coverage rate is $1,488, making it a significantly cheaper option than other insurance providers.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,488 |
| Progressive | $1,771 |
| Travelers | $2,357 |
| Nationwide | $2,463 |
| USAA | $2,558 |
| Farmers | $2,904 |
| Allstate | $3,594 |
| Geico | $6,368 |
Average car insurance cost in Atchison
On average, Atchison drivers pay $1,800 annually, or $150 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Atchison is $440.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,800 | $440 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
