Compare Alma, CO Car Insurance Rates (2021)

Car insurance in Alma, CO averages $326 a month. Alma, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Alma car insurance rates, compare quotes from the top car insurance companies in Alma, 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

  • Average car insurance rates in Alma, CO are $3,911/year
  • Average car insurance rates in Alma, CO after a DUI are $4,648/year
  • The cheapest car insurance company in Alma for teen drivers is GEICO

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

You’ll find Alma car insurance rates, the cheapest Alma, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Alma, Colorado car insurance rates to Colorado Springs car insurance rates, Lakewood car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Alma, CO car insurance rates? Every Alma, 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 Alma, 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 $3,710 $3,464 $3,322 $3,360 $13,006 $13,663 $4,103 $4,138
American Family $2,698 $2,698 $2,430 $2,430 $6,552 $8,774 $2,698 $3,313
Farmers $3,126 $3,100 $2,828 $3,036 $11,799 $11,929 $3,453 $3,513
GEICO $1,686 $1,849 $1,751 $1,963 $5,302 $5,671 $1,551 $1,603
Liberty Mutual $1,752 $1,660 $1,505 $1,660 $5,471 $5,955 $1,761 $1,752
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,441 $2,274 $2,128 $2,116 $8,617 $9,661 $2,760 $2,686
State Farm $2,234 $2,234 $2,006 $2,006 $6,518 $8,238 $2,505 $2,984
USAA $2,154 $2,135 $2,071 $2,057 $5,551 $6,336 $2,763 $2,983

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Minimum Car Insurance in Alma, CO

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

Minimum Required Car Insurance Coverage in Alma, 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 Alma, CO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Alma, Colorado

Insurance Company Poor Fair Good
Allstate $7,775 $5,991 $4,520
American Family $5,143 $3,648 $3,057
Farmers $6,196 $5,049 $4,799
GEICO $3,209 $2,672 $2,136
Liberty Mutual $3,829 $2,361 $1,878
Nationwide $4,245 $3,363 $2,929
Progressive $4,630 $3,968 $3,657
State Farm $4,995 $3,201 $2,576
USAA $4,794 $2,757 $2,217

Cheapest Alma, 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 Alma, CO to rates for a clean record with top companies.

Annual Alma, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,181 $5,968 $7,345 $5,888
American Family $2,923 $4,133 $5,425 $3,315
Farmers $4,517 $5,801 $5,721 $5,353
GEICO $1,895 $2,915 $3,404 $2,475
Liberty Mutual $2,365 $2,766 $2,850 $2,777
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,536 $4,958 $3,732 $4,115
State Farm $3,298 $3,883 $3,591 $3,591
USAA $2,369 $2,907 $5,082 $2,668

Cheapest Alma, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Alma, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,006 $13,663
American Family $6,552 $8,774
Farmers $11,799 $11,929
GEICO $5,302 $5,671
Liberty Mutual $5,471 $5,955
Nationwide $5,929 $7,587
Progressive $8,617 $9,661
State Farm $6,518 $8,238
USAA $5,551 $6,336

Cheapest Alma, CO Car Insurance for Seniors

Take a look at Alma, 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 Alma, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,322 $3,360
American Family $2,430 $2,430
Farmers $2,828 $3,036
GEICO $1,751 $1,963
Liberty Mutual $1,505 $1,660
Nationwide $2,085 $2,204
Progressive $2,128 $2,116
State Farm $2,006 $2,006
USAA $2,071 $2,057

Cheapest Alma, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Alma, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,345
American Family $5,425
Farmers $5,721
GEICO $3,404
Liberty Mutual $2,850
Nationwide $4,685
Progressive $3,732
State Farm $3,591
USAA $5,082

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Cheapest Alma, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Alma, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,096 $6,096
American Family $3,865 $4,034
Farmers $5,348 $5,348
GEICO $2,618 $2,726
Liberty Mutual $2,689 $2,689
Nationwide $3,512 $3,512
Progressive $4,085 $4,085
State Farm $3,503 $3,678
USAA $3,164 $3,348

The Best Cheap Car Insurance Companies in Alma, CO

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

Average Annual Car Insurance Rates by Company in Alma, Colorado

Insurance Company Average Annual Rates
Allstate $6,096
American Family $3,949
Farmers $5,348
GEICO $2,672
Liberty Mutual $2,689
Nationwide $3,512
Progressive $4,085
State Farm $3,591
USAA $3,256

Category Winners: Cheapest Car Insurance in Alma, Colorado

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

Best Annual Car Insurance Rates by Company in Alma, 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

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Cheapest Alma, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Alma, Colorado

Insurance Company Low Medium High
Allstate $5,816 $6,078 $6,392
American Family $3,759 $4,030 $4,059
Farmers $4,751 $5,280 $6,013
GEICO $2,486 $2,640 $2,890
Liberty Mutual $2,501 $2,676 $2,890
Nationwide $3,535 $3,511 $3,491
Progressive $3,802 $4,097 $4,357
State Farm $3,373 $3,594 $3,805
USAA $3,090 $3,257 $3,422

What affects car insurance rates in Alma, Colorado?

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

Commute Time in Alma

The more time you spend in your car the higher the risk of an accident. The average commute length in Alma, CO is 34.5 minutes according to City-Data.

Traffic in Alma

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Alma, CO traffic data from INRIX ranks Alma as the 680th-most congested in the world.

Compare Car Insurance Quotes in Alma, CO

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

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