Compare Amherst, CO Car Insurance Rates (2021)

Car insurance in Amherst, CO averages $324 a month. Amherst, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Amherst car insurance rates, compare quotes from the top car insurance companies in Amherst, 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 car insurance company in Amherst for teen drivers is Liberty Mutual
  • Average car insurance rates in Amherst, CO are $3,893/year
  • The cheapest car insurance company in Amherst is Liberty Mutual

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

You’ll find Amherst car insurance rates, the cheapest Amherst, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Amherst, Colorado car insurance rates to Arvada car insurance rates, Greeley car insurance rates, and Denver car insurance rates.

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

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

How do age, gender, and marital status affect Amherst, CO car insurance rates? Every Amherst, 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 Amherst, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,118 $3,094 $2,824 $3,023 $11,481 $11,605 $3,446 $3,520
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,814 $1,793 $1,539 $1,689 $5,342 $5,822 $1,835 $1,861
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,749 $2,587 $2,322 $2,335 $8,556 $9,585 $3,117 $3,049
State Farm $1,969 $1,969 $1,744 $1,744 $5,334 $6,808 $2,192 $2,583
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

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Minimum Car Insurance in Amherst, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Amherst, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $6,107 $4,964 $4,720
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,878 $2,369 $1,888
Nationwide $4,899 $3,858 $3,367
Progressive $4,917 $4,155 $3,791
State Farm $4,228 $2,714 $2,187
USAA $5,230 $2,954 $2,359

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

Annual Amherst, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,449 $5,702 $5,624 $5,280
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,373 $2,780 $2,891 $2,804
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,738 $5,082 $3,947 $4,383
State Farm $2,825 $3,261 $3,043 $3,043
USAA $2,584 $3,128 $5,426 $2,919

Cheapest Amherst, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Amherst, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $11,481 $11,605
GEICO $6,794 $7,203
Liberty Mutual $5,342 $5,822
Nationwide $6,746 $8,703
Progressive $8,556 $9,585
State Farm $5,334 $6,808
USAA $5,738 $6,613

Cheapest Amherst, CO Car Insurance for Seniors

Take a look at Amherst, 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 Amherst, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,824 $3,023
GEICO $2,315 $2,572
Liberty Mutual $1,539 $1,689
Nationwide $2,404 $2,557
Progressive $2,322 $2,335
State Farm $1,744 $1,744
USAA $2,247 $2,282

Cheapest Amherst, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Amherst, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,624
GEICO $4,295
Liberty Mutual $2,891
Nationwide $5,431
Progressive $3,947
State Farm $3,043
USAA $5,426

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Cheapest Amherst, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Amherst, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $5,264 $5,264
GEICO $3,392 $3,557
Liberty Mutual $2,712 $2,712
Nationwide $4,041 $4,041
Progressive $4,287 $4,287
State Farm $2,969 $3,117
USAA $3,413 $3,615

The Best Cheap Car Insurance Companies in Amherst, CO

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

Average Annual Car Insurance Rates by Company in Amherst, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $5,264
GEICO $3,475
Liberty Mutual $2,712
Nationwide $4,041
Progressive $4,287
State Farm $3,043
USAA $3,514

Category Winners: Cheapest Car Insurance in Amherst, Colorado

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

Best Annual Car Insurance Rates by Company in Amherst, Colorado

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

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Cheapest Amherst, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Amherst, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,713 $5,202 $5,877
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,570 $2,703 $2,863
Nationwide $4,103 $4,041 $3,980
Progressive $4,056 $4,296 $4,510
State Farm $2,872 $3,043 $3,214
USAA $3,378 $3,514 $3,651

Compare Car Insurance Quotes in Amherst, CO

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

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