Compare Austin, CO Car Insurance Rates (2021)

Car insurance in Austin, CO averages $290 a month. Austin, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Austin car insurance rates, compare quotes from the top car insurance companies in Austin, 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 Austin for teen drivers is GEICO
  • The cheapest car insurance company in Austin is GEICO
  • Average car insurance rates in Austin, CO are $3,482/year

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

You’ll find Austin car insurance rates, the cheapest Austin, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Austin, Colorado car insurance rates to Lakewood car insurance rates, Denver car insurance rates, and Centennial car insurance rates.

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

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

How do age, gender, and marital status affect Austin, CO car insurance rates? Every Austin, 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 Austin, 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 $3,337 $3,111 $2,989 $3,023 $11,594 $12,143 $3,679 $3,718
American Family $2,369 $2,369 $2,141 $2,141 $5,736 $7,705 $2,369 $2,905
Farmers $2,864 $2,823 $2,607 $2,829 $10,568 $10,510 $3,115 $3,107
GEICO $1,407 $1,546 $1,485 $1,677 $4,444 $4,729 $1,291 $1,321
Liberty Mutual $1,799 $1,781 $1,519 $1,664 $5,062 $5,523 $1,820 $1,859
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,414 $2,263 $2,083 $2,081 $7,979 $8,937 $2,727 $2,660
State Farm $1,629 $1,629 $1,461 $1,461 $4,630 $5,861 $1,820 $2,158
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 Austin, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Austin, Colorado

Insurance Company Poor Fair Good
Allstate $6,952 $5,350 $4,046
American Family $4,499 $3,210 $2,691
Farmers $5,603 $4,517 $4,289
GEICO $2,682 $2,238 $1,793
Liberty Mutual $3,766 $2,290 $1,829
Nationwide $3,706 $2,939 $2,563
Progressive $4,438 $3,777 $3,463
State Farm $3,581 $2,304 $1,859
USAA $4,757 $2,700 $2,160

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

Annual Austin, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,625 $5,325 $6,581 $5,265
American Family $2,562 $3,647 $4,754 $2,905
Farmers $4,055 $5,220 $5,151 $4,786
GEICO $1,582 $2,448 $2,868 $2,052
Liberty Mutual $2,294 $2,690 $2,810 $2,719
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,382 $4,675 $3,569 $3,945
State Farm $2,378 $2,784 $2,581 $2,581
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Austin, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Austin, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,594 $12,143
American Family $5,736 $7,705
Farmers $10,568 $10,510
GEICO $4,444 $4,729
Liberty Mutual $5,062 $5,523
Nationwide $5,148 $6,579
Progressive $7,979 $8,937
State Farm $4,630 $5,861
USAA $5,325 $6,108

Cheapest Austin, CO Car Insurance for Seniors

Take a look at Austin, 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 Austin, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,989 $3,023
American Family $2,141 $2,141
Farmers $2,607 $2,829
GEICO $1,485 $1,677
Liberty Mutual $1,519 $1,664
Nationwide $1,839 $1,943
Progressive $2,083 $2,081
State Farm $1,461 $1,461
USAA $2,042 $2,056

Cheapest Austin, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Austin, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,581
American Family $4,754
Farmers $5,151
GEICO $2,868
Liberty Mutual $2,810
Nationwide $4,083
Progressive $3,569
State Farm $2,581
USAA $4,987

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Cheapest Austin, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Austin, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,449 $5,449
American Family $3,393 $3,541
Farmers $4,803 $4,803
GEICO $2,194 $2,281
Liberty Mutual $2,628 $2,628
Nationwide $3,069 $3,069
Progressive $3,893 $3,893
State Farm $2,519 $2,644
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in Austin, CO

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

Average Annual Car Insurance Rates by Company in Austin, Colorado

Insurance Company Average Annual Rates
Allstate $5,449
American Family $3,467
Farmers $4,803
GEICO $2,238
Liberty Mutual $2,628
Nationwide $3,069
Progressive $3,893
State Farm $2,581
USAA $3,206

Category Winners: Cheapest Car Insurance in Austin, Colorado

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

Best Annual Car Insurance Rates by Company in Austin, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Austin, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Austin, Colorado

Insurance Company Low Medium High
Allstate $5,211 $5,433 $5,703
American Family $3,297 $3,539 $3,565
Farmers $4,193 $4,737 $5,480
GEICO $2,051 $2,206 $2,456
Liberty Mutual $2,500 $2,620 $2,766
Nationwide $3,080 $3,067 $3,061
Progressive $3,631 $3,902 $4,145
State Farm $2,417 $2,581 $2,746
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Austin, Colorado?

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

Traffic in Austin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Austin, CO traffic data from INRIX ranks Austin as the 207th-most congested in the world.

Compare Car Insurance Quotes in Austin, CO

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

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

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