Compare Alamosa, CO Car Insurance Rates (2021)

Car insurance in Alamosa, CO averages $295 a month. Alamosa, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Alamosa car insurance rates, compare quotes from the top car insurance companies in Alamosa, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Alamosa is 81101
  • Average car insurance rates in Alamosa, CO are $3,544/year
  • The cheapest car insurance company in Alamosa is GEICO

If you need to buy Alamosa, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Alamosa, CO is right here.

You’ll find Alamosa car insurance rates, the cheapest Alamosa, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Alamosa, Colorado car insurance rates to Pueblo car insurance rates, Fort Collins car insurance rates, and Aurora car insurance rates.

Ready to find affordable Alamosa, CO car insurance today? Enter your ZIP code for fast, free Alamosa car insurance quotes.

Cheapest Alamosa, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alamosa, CO car insurance rates? Every Alamosa, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alamosa, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,123 $2,934 $2,797 $2,828 $10,430 $10,930 $3,473 $3,509
American Family $2,396 $2,396 $2,162 $2,162 $5,805 $7,777 $2,396 $2,942
Farmers $2,737 $2,709 $2,478 $2,671 $10,415 $10,493 $3,014 $3,047
GEICO $1,596 $1,740 $1,657 $1,854 $4,950 $5,273 $1,469 $1,513
Liberty Mutual $1,759 $1,725 $1,497 $1,643 $5,202 $5,666 $1,777 $1,797
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,490 $2,330 $2,168 $2,161 $8,461 $9,462 $2,807 $2,731
State Farm $1,879 $1,879 $1,681 $1,681 $5,315 $6,743 $2,100 $2,487
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

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Minimum Car Insurance in Alamosa, CO

Every driver must carry the minimum car insurance in Alamosa, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Alamosa, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Alamosa, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Alamosa, CO. Compare credit history car insurance rates in Alamosa from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Alamosa, Colorado

Insurance Company Poor Fair Good
Allstate $6,382 $4,911 $3,716
American Family $4,558 $3,240 $2,716
Farmers $5,445 $4,432 $4,210
GEICO $3,008 $2,506 $2,005
Liberty Mutual $3,763 $2,302 $1,834
Nationwide $3,990 $3,154 $2,751
Progressive $4,639 $3,958 $3,632
State Farm $4,127 $2,650 $2,135
USAA $4,757 $2,700 $2,160

Cheapest Alamosa, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alamosa, CO to rates for a clean record with top companies.

Annual Alamosa, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,291 $4,913 $5,968 $4,839
American Family $2,591 $3,685 $4,805 $2,938
Farmers $3,963 $5,099 $5,030 $4,691
GEICO $1,784 $2,745 $3,166 $2,331
Liberty Mutual $2,306 $2,700 $2,804 $2,722
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,530 $4,933 $3,726 $4,116
State Farm $2,740 $3,201 $2,971 $2,971
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Alamosa, CO Car Insurance for Teen Drivers

Teen car insurance in Alamosa, CO can be expensive. Take a look at rates from the top car insurance companies in Alamosa for teenagers.

Annual Car Insurance Rates for Teen Drivers in Alamosa, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,430 $10,930
American Family $5,805 $7,777
Farmers $10,415 $10,493
GEICO $4,950 $5,273
Liberty Mutual $5,202 $5,666
Nationwide $5,513 $7,064
Progressive $8,461 $9,462
State Farm $5,315 $6,743
USAA $5,325 $6,108

Cheapest Alamosa, CO Car Insurance for Seniors

Take a look at Alamosa, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Alamosa, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,797 $2,828
American Family $2,162 $2,162
Farmers $2,478 $2,671
GEICO $1,657 $1,854
Liberty Mutual $1,497 $1,643
Nationwide $1,977 $2,093
Progressive $2,168 $2,161
State Farm $1,681 $1,681
USAA $2,042 $2,056

Cheapest Alamosa, CO Car Insurance Rates After a DUI

A DUI in Alamosa, CO increases car insurance rates. Compare Alamosa, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alamosa, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,968
American Family $4,805
Farmers $5,030
GEICO $3,166
Liberty Mutual $2,804
Nationwide $4,398
Progressive $3,726
State Farm $2,971
USAA $4,987

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Cheapest Alamosa, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alamosa, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Alamosa, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,003 $5,003
American Family $3,430 $3,579
Farmers $4,696 $4,696
GEICO $2,454 $2,559
Liberty Mutual $2,633 $2,633
Nationwide $3,298 $3,298
Progressive $4,076 $4,076
State Farm $2,898 $3,043
USAA $3,115 $3,296

Cheapest Alamosa, CO Car Insurance Rates by ZIP Code

Alamosa car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Alamosa, CO.

Annual Car Insurance Rates by ZIP Code in Alamosa, Colorado

ZIP Code Average Annual Rates
81101 $3,239
81102 $3,300

The Best Cheap Car Insurance Companies in Alamosa, CO

Take a look at a side-by-side comparison of the top car insurance companies in Alamosa, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Alamosa, Colorado

Insurance Company Average Annual Rates
Allstate $5,003
American Family $3,505
Farmers $4,696
GEICO $2,507
Liberty Mutual $2,633
Nationwide $3,298
Progressive $4,076
State Farm $2,971
USAA $3,206

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Category Winners: Cheapest Car Insurance in Alamosa, Colorado

Find the cheapest car insurance companies in Alamosa, CO for each category right here.

Best Annual Car Insurance Rates by Company in Alamosa, Colorado

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

Cheapest Alamosa, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alamosa car insurance rates. Find the cheapest Alamosa, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Alamosa, Colorado

Insurance Company Low Medium High
Allstate $4,743 $4,986 $5,280
American Family $3,338 $3,578 $3,598
Farmers $4,137 $4,632 $5,317
GEICO $2,316 $2,473 $2,731
Liberty Mutual $2,487 $2,623 $2,789
Nationwide $3,323 $3,295 $3,276
Progressive $3,764 $4,088 $4,377
State Farm $2,788 $2,972 $3,153
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Alamosa, Colorado?

What factors can have an impact on Alamosa, CO car insurance? There are several reasons why Alamosa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alamosa, Colorado.

Commute Time in Alamosa

The more time you spend in your car the higher the risk of an accident. The average commute length in Alamosa, CO is 12.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Alamosa, CO

Ready to find affordable Alamosa, Colorado car insurance today? Enter your ZIP code for fast, free Alamosa, CO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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