Fort Collins, CO Auto Insurance (2024)
Fort Collins, CO auto insurance rates are $3,084/yr. The cheapest car insurance company in Fort Collins, Colorado, is Liberty Mutual. However, Fort Collins, CO auto insurance quotes vary for each person. Auto insurance in Fort Collins must meet the Colorado state minimum requirements with coverage levels of 25/50/15 for liability. Compare Fort Collins, CO auto insurance online to find the best price for you.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- On average, Fort Collins, CO auto insurance is $3,084/yr
- Liberty Mutual is the cheapest auto insurance company in Fort Collins
- Teen and young adult drivers pay the most for auto insurance
Fort Collins, CO auto insurance rates are $792 cheaper than the Colorado average and $848 cheaper than the national average.
You can save on Fort Collins, Colorado auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to get cheap auto insurance in Fort Collins for every age, credit history, and driving record.
Monthly Fort Collins, CO Car Insurance Rates by ZIP Code
Check out the monthly Fort Collins, CO auto insurance rates by ZIP Code below:
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Fort Collins, CO Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Fort Collins, CO stack up against other top metro auto insurance rates? We’ve got your answer below.
Ready to find affordable Fort Collins, CO auto insurance? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Fort Collins, CO?
The cheapest car insurance company in Fort Collins, based on average rates, is Liberty Mutual.
Which Fort Collins, CO auto insurance company has the cheapest rates? And how do those rates compare against the average Colorado auto insurance company rates? We’ve got the answers below.
The top auto insurance companies in Fort Collins, ranked from cheapest to most expensive, are:
- Liberty Mutual – $2,417
- USAA – $2,758
- Geico – $2,797
- State Farm – $2,964
- Nationwide – $3,397
- American Family – $3,439
- Progressive – $3,672
- Allstate – $4,353
- Farmers – $4,696
There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
While a clean driving record can guarantee a cheaper policy, age may detour low prices. If you’re a teen or young adult, car insurance rates will almost double.
Why? Teens and young adult drivers are less experienced, and auto insurance providers respond by issuing higher than average rates.
However, there are discounts aimed at drivers between 16 and 24 years old.
Fort Collins, CO auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Fort Collins auto insurance rates. Find the Fort Collins, CO auto insurance rates by coverage level below:
Your credit score will play a major role in your Fort Collins auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Fort Collins, CO auto insurance rates by credit score below.
Your driving record will play a major role in your Fort Collins auto insurance rates. For example, other factors aside, a Fort Collins, Colorado DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Fort Collins, CO auto insurance rates by driving record.
Factors affecting auto insurance rates in Fort Collins, CO may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Fort Collins, Colorado auto insurance.
These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Colorado does use gender, so check out the average monthly auto insurance rates by age and gender in Fort Collins, CO.
What are the minimum auto insurance requirements in Fort Collins, CO?
All Fort Collins drivers have to meet the Colorado state law minimum requirements for car insurance.
In Colorado, you have to carry at least:
- $25,000 for bodily injury or death of one person per accident
- $50,000 for bodily injury or death of multiple people per accident
- $15,000 for property damage per accident
Colorado is an at-fault state. Therefore, an at-fault driver is required to use their insurance policy to cover the no-fault driver’s bodily injury and property damage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
What affects auto insurance rates in Fort Collins, CO?
Why does credit history affect auto insurance? Auto insurance companies believe credit scores correlate to the risk of filing claims.
A good credit score could mean fewer chances of filing a claim. Therefore, car insurance providers issue cheaper rates for better credit histories.
You can also save money when you drive less per year. According to City-Data, the average commute time in Fort Collins is 19 minutes – that’s six minutes faster than the national average.
Biking, walking, or using other forms of public transportation can save you money on auto insurance.
Auto theft in Fort Collins has little effect on auto insurance. The 2019 FBI statistics reported 228 vehicle thefts in Fort Collins, CO. Denver, CO had 23 times the number of thefts than Fort Collins.
With such a low theft rate, you’ll likely get a deal on comprehensive insurance regardless of the company you’re with.
Fort Collins, CO weather has minimal effect on car insurance, but you should still consider comprehensive coverage just in case weather gets worse than usual.
Fort Collins, CO Auto Insurance: What’s the bottom line?
Fort Collins, CO, is one of many cities in the United States with lower than average car insurance rates.
The best way to secure affordable auto insurance in Fort Collins is to maintain a clean driving record and ensure your credit is fair to good standing.
Before you buy Fort Collins, CO auto insurance quotes, be sure you’ve checked out rates with multiple companies. Use our free comparison tool below to get fast, free auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Fort Collins, CO?
Yes, auto insurance is mandatory in Fort Collins, CO, as it is in most states. Colorado law requires drivers to carry a minimum amount of liability insurance to cover bodily injury and property damage.
What does liability insurance cover?
Liability insurance covers the costs associated with injuries to others and damage to their property if you are at fault in an accident. It typically includes bodily injury liability and property damage liability coverage.
What are the other types of auto insurance coverage available?
In addition to liability insurance, you can choose to have comprehensive coverage, which covers damage to your vehicle from non-accident-related incidents, and collision coverage, which covers damage from accidents regardless of fault. There are also options for uninsured/underinsured motorist coverage, medical payments coverage, and more.
How much auto insurance coverage do I need?
The amount of coverage you need depends on various factors, including your assets, the value of your vehicle, and your risk tolerance. It’s generally recommended to carry coverage limits that adequately protect your assets and provide sufficient financial protection in case of an accident.
How can I lower my auto insurance premium?
There are several ways to potentially lower your auto insurance premium. You can consider raising your deductibles, maintaining a good driving record, bundling your auto insurance with other policies, and exploring available discounts, such as safe driver discounts or multi-vehicle discounts.
What factors affect my auto insurance premium?
Insurance companies consider various factors when determining your premium, including your driving record, age, gender, the make and model of your vehicle, your location, and your credit history. Additionally, your chosen coverage limits and deductibles can also impact your premium.
What should I do after an accident?
After an accident, you should ensure the safety of everyone involved, call the police if necessary, exchange information with the other party, gather evidence, and contact your insurance company to report the incident. It’s important to cooperate with your insurer during the claims process.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
