PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest car insurance in Atascadero, California (Nov 2024)
Cheapest car insurance in Atascadero, California (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Atascadero, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Atascadero
- Cheapest Atascadero car insurance for good drivers
- Best car insurance companies in Atascadero
- Best cheap car insurance quotes in Atascadero
- Average cost of car insurance in Atascadero
- Car insurance quotes in Atascadero by rating factors
- How do different factors impact your car insurance costs in Atascadero?
- Cheap car insurance quotes in Atascadero by driving experience
- How to lower car insurance costs in Atascadero
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Atascadero
The average driver can expect to spend about $44 per month for minimum
auto insurance
in Atascadero, or $143 per month for full coverage. Rates here are about 28% less than the average US rate.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $213 | Ian, 36 Zip: 93422 | Honda HR-V EX | • 100,000/300,000 Liability • Comp / Collision |
| Dairyland | $278 | Celia, 31 Zip: 93422 | Chevrolet Camaro LT | • State Minimum Liability • Comp / Collision |
| Encompass | $94 | Norman, 36 Zip: 93422 | Subaru WRX Premium | • 50,000/100,000 Liability • Comp / Collision |
| Aspire Advantage | $61 | Danny, 25 Zip: 93422 | Toyota Scion FR-S | • State Minimum Liability |
| Mapfre | $67 | Philip, 27 Zip: 93422 | Volvo S40 2.4i | • State Minimum Liability |
Last Updated Nov 19, 2024Cheapest Atascadero car insurance for good drivers
Safe drivers tend to get the lowest rates because they present less risk to insurance companies. While other factors matter, too—like zip code and vehicle type—driving behavior matters a lot.
Atascadero drivers with clean records can expect to save about 40% on their insurance policy premiums!
Atascadero drivers with clean records can expect to save about 40% on their insurance policy premiums!
To make it easier to track your driving and earn rewards, Jerry’s DriveShield™ is a helpful tool for Atascadero drivers. Check out the rates below for examples of
car insurance quotes
in Atascadero, CA.Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Giovanni, 25 | 88 | 28% | No |
|
Alex, 34 | 98 | 35% | No |
|
Paul, 44 | 76 | 20% | No |
|
Dina, 54 | 96 | 31% | No |
|
David, 65 | 74 | 24% | No |
|
Best car insurance companies in Atascadero
The truth is that there are a lot of good companies in Atascadero—but the “best” one for you is going to be totally unique. For instance, you may prefer a company that has better claims handling ratings, or you may simply want the policy that saves you the absolute most money on your auto insurance coverage.
Real policyholders rated companies in a recent nationwide survey, with some surprising results. Smaller insurers like
National General
and Aspire Advantage
got high ratings, whereas major companies like State Farm
and GEICO
got mixed reviews in Atascadero.Take a look at what Atascadero drivers think about some top providers, on a rating scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 3.9 | 4.3 |
| USAA | 4.3 | 4.8 | 4.8 | 4.8 |
| Geico | 4 | 3.5 | 3.8 | 3.9 |
| State Farm | 3.9 | 3.3 | 3.7 | 4 |
Liberty Mutual | 2.8 | 3.2 | 2.7 | 2.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Atascadero
The cheapest rate in Atascadero is likely to be a minimum liability policy. It’s a low rate but it’s also low coverage—consider full coverage if you want something that protects your own vehicle.
Cheap minimum liability insurance quotes in Atascadero
California state laws
require all drivers to carry a certain level of liability coverage
. It’s summarized as 15/30/5—you can exceed these amounts but you cannot go below them. - $30,000 in bodily injury per accident
These are the policy limits for your coverage if you cause damage to other people or property in an accident. Take a look at these car insurance quotes in Atascadero, CA, from real drivers who chose minimum liability coverage through Jerry.
Charles (46 years old)
$104
per month
Lillian (56 years old)
$87
per month
Philip (27 years old)
CoverageState Minimum
Atascadero, CA (Zip Code: 93422)
Volvo S40 2.4i$67
per month
Do you need more than minimum coverage in Atascadero?
Legally, you are not required to carry more than minimum coverage. But practically, you should absolutely consider increasing your coverage.
Let’s take a realistic look at the costs of an accident. If you cause an accident, you’re responsible for paying for damages you cause. If you total someone’s new car, that’s approximately a $40,000 obligation—but minimum coverage only gives you $5,000 in California. Hospital stays can be very expensive, too.
Be aware that your
liability in California
extends for two years after the accident for bodily injury, and three years for property damage. This means you can be sued for damages after the fact.Bump up your coverage to 50/100/50 or 100/300/100 for better protection. It should only add a few dollars to your monthly payment, and will better protect your assets and future finances in the event of a filed claim.
Bump up your coverage to 50/100/50 or 100/300/100 for better protection. It should only add a few dollars to your monthly payment, and will better protect your assets and future finances in the event of a filed claim.
Cheap full coverage car insurance quotes in Atascadero
Liability only protects other people and their property.
Full coverage
, on the other hand, pays to repair or replace your own vehicle in an accident. A full coverage policy often includes liability insurance, as well as the following:- Collision coverage: Pays for repairs after a collision with another car or stationary object.
- Comprehensive coverage: Pays for repairs related to non-collision sources, like vandalism, weather, or theft.
FYI, lenders can require borrowers to carry full coverage on financed vehicles, even though full coverage is not legally required by the state of California.
To expand your protection, also consider adding
uninsured motorist coverage
to your policy in case you get into an accident with a driver who doesn’t have car insurance, or roadside assistance. Clear data can be helpful, so check out these car insurance quotes in Atascadero, CA, from real drivers with full coverage options. | Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $213 | Ian, 36 Zip: 93422 | Honda HR-V EX |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $363 | Lettie, 34 Zip: 93422 | Chevrolet Silverado K1500 LT Trail Boss |
• State Minimum Liability • Comp / Collision | Bristol West | $87 | Lillian, 56 Zip: 93422 | Dodge RAM 1500 ST |
• State Minimum Liability • Comp / Collision | National General | $107 | Devin, 41 Zip: 93422 | KIA Sorento LX |
• State Minimum Liability • Comp / Collision | Aspire Advantage | $197 | Caleb, 29 Zip: 93422 | Honda Accord EX |
Last Updated Nov 19, 2024Looking for a policy shouldn’t take a ton of time and effort. Jerry is an insurance broker app that helps drivers with comparison shopping. You get custom quotes and support from licensed agents so you can seamlessly buy and cancel policies—and save money, obviously.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Atascadero
On average, Atascadero drivers pay about $44 per month or $531 per year for minimum coverage. For a full coverage policy, most motorists pay an average of $144 per month, or $1,711 annually.
Average rates can give you a general picture, but they may not predict your actual rates very well. Your premium will be customized to your specific vehicle, claims history, driving record, and personal demographics like age and zip code.
Compare car insurance costs in other states
Car insurance quotes in Atascadero by rating factors
Every company has a formula for
calculating rates
, which takes into account various factors that affect your risk profile:- Your age: Young drivers under 25 pay the highest rates for coverage, since their limited experience means a higher risk of getting into an accident.
- Where you keep your car: Every zip code has a unique risk profile, including things like theft and accident rates. For example, Astascardero has a smaller population, which means less risk for traffic accidents. On the other hand, cities like San Francisco have a higher population density, which means more risk.
- Your driving record and claims history: Tickets and accidents indicate risk, so you’ll pay more for coverage if you’ve got marks on your record.
- The kind of car you have: Performance cars, sports cars, and luxury vehicles cost more to repair and replace, so your full coverage will cost more on these models.
- How you use your car: Regular commuters face more opportunities for getting into accidents, so they’re typically charged more for coverage than people who drive infrequently or for leisure.
How do different factors impact your car insurance costs in Atascadero?
How do different factors impact your car insurance costs in Atascadero?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Atascadero:
Cheap car insurance quotes in Atascadero after driving violations
Violations signify risk—any damage and the company has to pay out, after all. If you have a history of violations on your
California driving record
, you’ll be charged much higher auto insurance ratesHere are just a few of the infractions that could bump up your rates in Atascadero:
Cheapest car insurance in Atascadero after DUI
DUIs in California
can raise your rates by about 22%. Some companies may refuse to offer you an auto insurance policy after a DUI violation, but it’s still worth shopping around to ensure you don’t overpay.Here are some real rates Atascadero drivers with DUIs have found with Jerry.
Cheapest car insurance in Atascadero after an at-fault accident
Companies care a lot about your claim history, and a single at-fault car accident could raise your car insurance rates by about 15% in this at-fault state.
Atascadero drivers with at-fault accidents on record face higher-than-average rates. However, shopping around with Jerry can help uncover more affordable premiums—see these examples below.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Safeco | $363 | Nina, 33 Zip: 93422 | Chevrolet Silverado K1500 LT Trail Boss | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Mapfre | $67 | Mae, 26 Zip: 93422 | Volvo S40 2.4i | • State Minimum Liability |
At Fault With No Injury | Safeco | $363 | Hilda, 33 Zip: 93422 | Chevrolet Silverado K1500 LT Trail Boss | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheapest car insurance in Atascadero after other driving violations
Any kind of violation, from reckless driving to running a red light, can result in higher premiums in Atascadero. But rate hikes can vary from one company to the next, which is why you should shop around.
See how much Atascadero drivers are paying for coverage depending on their violation.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $69 | Billy, 30 Zip: 93422 | Volkswagen Golf | • State Minimum Liability |
Defective Equipment | Travelers | $57 | Rosie, 41 Zip: 93422 | Ford Bronco | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Atascadero by driving experience
Very young and very old drivers tend to pay the most for insurance. These groups are the most likely to cause accidents—and seniors are extra vulnerable in serious accidents. But between 25 and 65, rates tend to stabilize.
Cheapest car insurance in Atascadero for young drivers
New drivers, especially
teens between 16 and 19
, can expect extremely high rates. This is true in Atascadero and across the country, simply because all teens have relatively little experience behind the wheel.Cutting costs as a teen can help you drive more affordably until you age out of this high-risk bracket. Stay on a parent’s policy to help lower rates, and you could keep more than $2,000 in the bank each year. You can also qualify for good student discounts.
Teens with newer cars should consider full coverage to protect their own vehicles. And Jerry can help them find the lowest rates possible. Take a look at what real teens in Atascadero pay for coverage using Jerry.
Ella (24 years old)
$70
per month
Cheapest car insurance in Atascadero for senior drivers
Seniors
face higher accident rates and more costly recoveries after an accident. That’s why companies charge more to insure older adults in Atascadero. Luckily, these inflated rates tend to kick in later around age 65.On average, this is what senior drivers in Atascadero pay for insurance after shopping with Jerry.
Cheap car insurance quotes in Atascadero based on insurance history
Insurance companies prefer to insure drivers who have had continuous coverage. A
single lapse
in your history—even if you are currently insured—can raise your rates above the average cost. This also indicates to insurers that you might be a risky driver.Jerry has helped Atascadero drivers find coverage after an insurance lapse. Plus, Jerry helps you avoid future lapses by sending helpful (and optional) reminders to pay for coverage and renew your policy before it expires
Here are some car insurance quotes in Atascadero, CA, for drivers with lapses.
Ruth (25 years old)
$156
per month
Jacob (55 years old)
$87
per month
Estella (40 years old)
$107
per month
Shawn (55 years old)
$87
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Grateful for this app and helping me save money!
Aaron
Fast and friendly service!
Carlisa
Everything is super easy to access in the app and I can get ahold of someone anytime I need!
Alecia
The General is affordable and will work with you on your monthly payments.
Curtis
Cheap car insurance quotes in Atascadero for popular cars
Some cars cost more to repair, and others have higher theft rates or better safety features. That’s why your make and model have a major impact on your insurance premium.
Atascadero drivers tend to own these common models:
And here are the average rates they pay with the Jerry app:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic LX | Aspire Advantage | $84 | Lina, 40 Zip: 93422 | • State Minimum Liability |
Last Updated Nov 24, 2024How to lower car insurance costs in Atascadero
1. Shop around and compare quotes
Formulas for calculating rates change frequently. Your current company may not be the one with the cheapest rate in six months, when your policy is up for renewal.
Shopping around with multiple companies every six months is the smartest way to uncover savings. Jerry can help Atascadero drivers compare auto insurance quotes for free in under one minute.
2. Hunt for car insurance discounts
Companies like to reward drivers who act in ways that save the company money (such as driving safely or switching to paperless billing). That’s why most companies incentivize certain things with
discounts
.- Telematics discount: These programs allow the company to track your driving habits. You get rewarded for safe driving behavior, and you usually get a discount just for signing up.
- Good driver discount: Go claims-free for at least three years with fewer than one point on your license, and California mandates that companies offer you a 20% discount.
- Bundling discount: Bundle your auto coverage with homeowners insurance or renters insurance and you could get a discount on all your insurance products. Home insurance usually applies for condos, too.
- Good student discount: Show proof of a B average to your insurance provider and get a discount. This works for high school and college students.
Ask your insurance agent about available discounts. These are just the most common ones, but some may not be listed publicly. Business owners should look beyond this list for information about business coverage in Atascadero, especially if they have a fleet of vehicles that need business insurance.
3. Increase your deductible for comprehensive and collision coverage
An out-of-payment deductible must be paid before your full coverage kicks in. If you can comfortably afford a higher payment, then you can increase your deductible and save a few bucks each month without losing coverage.
FAQ
How much is car insurance in Atascadero?
The average rate in Atascadero is $44 per month for minimum coverage, and $143 per month for full coverage. Average rates can give you a general picture, but your rate will be lower or higher depending on your unique driver profile.
Pull quotes for yourself with Jerry, which helps you compare, buy, and cancel insurance for free via your smartphone.
What is the cheapest car insurance in Atascadero?
The average rate is $44 per month for minimum coverage, but you could pay less by shopping around, adjusting your coverage, and qualifying for discounts. Unfortunately, there is no single cheapest company for every Atascadero driver—drivers are too unique for that!
What is the best car insurance in Atascadero?
Metlife, Encompass, and Direct Auto receive strong ratings from Atascadero drivers. But it’s important to identify your criteria. Do you want a company that offers the best customer service and claims handling, even if you have to pay a few extra dollars per month for coverage?
See rates and explore ratings from real customers with Jerry before you make up your mind about the right policy and the best auto insurance.
What is the minimum car insurance in Atascadero, California?
15/30/5 are the minimum liability requirements in California for insurance coverage. That’s $15,000 per person and $30,000 per accident for bodily injury liability, plus $5,000 for property damage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.