Compare Berthoud, CO Car Insurance Rates (2021)

Car insurance in Berthoud, CO averages $285 a month. Berthoud, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Berthoud car insurance rates, compare quotes from the top car insurance companies in Berthoud, 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 Berthoud for teen drivers is USAA
  • Average car insurance rates in Berthoud, CO are $3,426/year
  • The cheapest ZIP code in Berthoud is 80537

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

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

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

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

How do age, gender, and marital status affect Berthoud, CO car insurance rates? Every Berthoud, 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 Berthoud, 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 $2,833 $2,645 $2,571 $2,595 $9,994 $10,515 $3,085 $3,087
American Family $2,379 $2,379 $2,150 $2,150 $5,744 $7,734 $2,379 $2,905
Farmers $2,594 $2,569 $2,345 $2,533 $10,035 $10,124 $2,853 $2,877
GEICO $1,699 $1,863 $1,821 $2,082 $5,382 $5,678 $1,552 $1,568
Liberty Mutual $1,694 $1,634 $1,443 $1,589 $5,334 $5,820 $1,712 $1,723
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,094 $1,957 $1,861 $1,847 $7,356 $8,200 $2,347 $2,275
State Farm $1,879 $1,879 $1,701 $1,701 $5,544 $7,001 $2,108 $2,501
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

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Minimum Car Insurance in Berthoud, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Berthoud, Colorado

Insurance Company Poor Fair Good
Allstate $5,940 $4,588 $3,468
American Family $4,500 $3,223 $2,709
Farmers $5,202 $4,242 $4,030
GEICO $3,250 $2,706 $2,162
Liberty Mutual $3,728 $2,298 $1,829
Nationwide $4,099 $3,254 $2,838
Progressive $3,956 $3,395 $3,125
State Farm $4,218 $2,712 $2,187
USAA $4,339 $2,489 $2,000

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

Annual Berthoud, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,964 $4,572 $5,620 $4,506
American Family $2,572 $3,657 $4,766 $2,915
Farmers $3,791 $4,881 $4,814 $4,479
GEICO $1,900 $2,975 $3,481 $2,468
Liberty Mutual $2,303 $2,689 $2,778 $2,704
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,019 $4,265 $3,182 $3,503
State Farm $2,786 $3,293 $3,039 $3,039
USAA $2,153 $2,627 $4,570 $2,423

Cheapest Berthoud, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Berthoud, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,994 $10,515
American Family $5,744 $7,734
Farmers $10,035 $10,124
GEICO $5,382 $5,678
Liberty Mutual $5,334 $5,820
Nationwide $5,724 $7,310
Progressive $7,356 $8,200
State Farm $5,544 $7,001
USAA $4,952 $5,658

Cheapest Berthoud, CO Car Insurance for Seniors

Take a look at Berthoud, 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 Berthoud, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,571 $2,595
American Family $2,150 $2,150
Farmers $2,345 $2,533
GEICO $1,821 $2,082
Liberty Mutual $1,443 $1,589
Nationwide $2,028 $2,139
Progressive $1,861 $1,847
State Farm $1,701 $1,701
USAA $1,883 $1,880

Cheapest Berthoud, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Berthoud, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,620
American Family $4,766
Farmers $4,814
GEICO $3,481
Liberty Mutual $2,778
Nationwide $4,523
Progressive $3,182
State Farm $3,039
USAA $4,570

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Cheapest Berthoud, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Berthoud, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,665 $4,665
American Family $3,402 $3,553
Farmers $4,491 $4,491
GEICO $2,651 $2,760
Liberty Mutual $2,618 $2,618
Nationwide $3,397 $3,397
Progressive $3,492 $3,492
State Farm $2,964 $3,115
USAA $2,861 $3,026

Cheapest Berthoud, CO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Berthoud, Colorado

ZIP Code Average Annual Rates
80513 $3,221
80537 $3,106

The Best Cheap Car Insurance Companies in Berthoud, CO

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

Average Annual Car Insurance Rates by Company in Berthoud, Colorado

Insurance Company Average Annual Rates
Allstate $4,665
American Family $3,477
Farmers $4,491
GEICO $2,706
Liberty Mutual $2,618
Nationwide $3,397
Progressive $3,492
State Farm $3,039
USAA $2,943

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Category Winners: Cheapest Car Insurance in Berthoud, Colorado

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

Best Annual Car Insurance Rates by Company in Berthoud, Colorado

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

Cheapest Berthoud, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Berthoud, Colorado

Insurance Company Low Medium High
Allstate $4,394 $4,648 $4,954
American Family $3,281 $3,550 $3,601
Farmers $3,927 $4,426 $5,121
GEICO $2,410 $2,653 $3,055
Liberty Mutual $2,460 $2,609 $2,787
Nationwide $3,381 $3,402 $3,409
Progressive $3,178 $3,505 $3,793
State Farm $2,821 $3,041 $3,255
USAA $2,802 $2,943 $3,085

What affects car insurance rates in Berthoud, Colorado?

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

Commute Time in Berthoud

The more time you spend in your car the higher the risk of an accident. The average commute length in Berthoud, CO is 29.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Berthoud, CO

Ready to find affordable Berthoud, Colorado car insurance today? Enter your ZIP code for fast, free Berthoud, 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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