Compare Carbondale, CO Car Insurance Rates (2021)

Car insurance in Carbondale, CO averages $318 a month. Carbondale, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Carbondale car insurance rates, compare quotes from the top car insurance companies in Carbondale, 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 Carbondale, CO are $3,816/year
  • The cheapest car insurance company in Carbondale is GEICO
  • The cheapest car insurance company in Carbondale for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Carbondale, CO car insurance rates? Every Carbondale, 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 Carbondale, 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 $3,544 $3,314 $3,164 $3,201 $12,208 $12,820 $3,936 $3,982
American Family $2,565 $2,565 $2,316 $2,316 $6,230 $8,345 $2,565 $3,159
Farmers $2,807 $2,782 $2,549 $2,741 $10,322 $10,374 $3,096 $3,149
GEICO $1,558 $1,710 $1,629 $1,833 $4,914 $5,247 $1,431 $1,474
Liberty Mutual $2,088 $2,092 $1,748 $1,916 $5,965 $6,523 $2,121 $2,182
Nationwide $2,313 $2,360 $2,066 $2,188 $5,843 $7,486 $2,658 $2,874
Progressive $2,463 $2,294 $2,119 $2,113 $8,590 $9,628 $2,796 $2,722
State Farm $2,143 $2,143 $1,916 $1,916 $6,182 $7,800 $2,399 $2,870
USAA $2,373 $2,383 $2,245 $2,262 $5,906 $6,780 $3,061 $3,347

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Minimum Car Insurance in Carbondale, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Carbondale, Colorado

Insurance Company Poor Fair Good
Allstate $7,359 $5,670 $4,285
American Family $4,893 $3,473 $2,906
Farmers $5,506 $4,449 $4,227
GEICO $2,969 $2,475 $1,980
Liberty Mutual $4,423 $2,679 $2,136
Nationwide $4,201 $3,324 $2,896
Progressive $4,633 $3,973 $3,666
State Farm $4,758 $3,050 $2,455
USAA $5,269 $2,982 $2,383

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

Annual Carbondale, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,916 $5,649 $6,943 $5,578
American Family $2,779 $3,940 $5,160 $3,151
Farmers $3,990 $5,121 $5,058 $4,742
GEICO $1,752 $2,702 $3,163 $2,281
Liberty Mutual $2,685 $3,150 $3,297 $3,185
Nationwide $2,669 $3,650 $4,637 $2,939
Progressive $3,550 $4,929 $3,746 $4,137
State Farm $3,148 $3,695 $3,421 $3,421
USAA $2,583 $3,145 $5,536 $2,915

Cheapest Carbondale, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Carbondale, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,208 $12,820
American Family $6,230 $8,345
Farmers $10,322 $10,374
GEICO $4,914 $5,247
Liberty Mutual $5,965 $6,523
Nationwide $5,843 $7,486
Progressive $8,590 $9,628
State Farm $6,182 $7,800
USAA $5,906 $6,780

Cheapest Carbondale, CO Car Insurance for Seniors

Take a look at Carbondale, 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 Carbondale, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,164 $3,201
American Family $2,316 $2,316
Farmers $2,549 $2,741
GEICO $1,629 $1,833
Liberty Mutual $1,748 $1,916
Nationwide $2,066 $2,188
Progressive $2,119 $2,113
State Farm $1,916 $1,916
USAA $2,245 $2,262

Cheapest Carbondale, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Carbondale, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,943
American Family $5,160
Farmers $5,058
GEICO $3,163
Liberty Mutual $3,297
Nationwide $4,637
Progressive $3,746
State Farm $3,421
USAA $5,536

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Cheapest Carbondale, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Carbondale, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,771 $5,771
American Family $3,678 $3,837
Farmers $4,728 $4,728
GEICO $2,426 $2,523
Liberty Mutual $3,079 $3,079
Nationwide $3,474 $3,474
Progressive $4,091 $4,091
State Farm $3,341 $3,502
USAA $3,443 $3,646

The Best Cheap Car Insurance Companies in Carbondale, CO

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

Average Annual Car Insurance Rates by Company in Carbondale, Colorado

Insurance Company Average Annual Rates
Allstate $5,771
American Family $3,757
Farmers $4,728
GEICO $2,475
Liberty Mutual $3,079
Nationwide $3,474
Progressive $4,091
State Farm $3,421
USAA $3,545

Category Winners: Cheapest Car Insurance in Carbondale, Colorado

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

Best Annual Car Insurance Rates by Company in Carbondale, Colorado

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

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Cheapest Carbondale, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Carbondale, Colorado

Insurance Company Low Medium High
Allstate $5,540 $5,756 $6,018
American Family $3,605 $3,834 $3,832
Farmers $4,187 $4,665 $5,331
GEICO $2,288 $2,443 $2,693
Liberty Mutual $2,947 $3,072 $3,220
Nationwide $3,517 $3,472 $3,432
Progressive $3,873 $4,102 $4,297
State Farm $3,239 $3,422 $3,602
USAA $3,409 $3,544 $3,680

What affects car insurance rates in Carbondale, Colorado?

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

Commute Time in Carbondale

The more time you spend in your car the higher the risk of an accident. The average commute length in Carbondale, CO is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in Carbondale, CO

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

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