Compare Castle Rock, CO Car Insurance Rates (2021)

Car insurance in Castle Rock, CO averages $316 a month. Castle Rock, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Castle Rock car insurance rates, compare quotes from the top car insurance companies in Castle Rock, 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 Castle Rock, CO are $3,788/year
  • The cheapest car insurance company in Castle Rock is Liberty Mutual
  • The cheapest ZIP code in Castle Rock is 80104

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

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

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

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

How do age, gender, and marital status affect Castle Rock, CO car insurance rates? Every Castle Rock, 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 Castle Rock, 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 $3,190 $2,971 $2,894 $2,920 $11,544 $12,179 $3,470 $3,467
American Family $2,527 $2,527 $2,280 $2,280 $6,118 $8,226 $2,527 $3,090
Farmers $2,838 $2,814 $2,564 $2,771 $11,099 $11,214 $3,120 $3,143
GEICO $1,850 $2,022 $1,984 $2,270 $5,851 $6,154 $1,691 $1,702
Liberty Mutual $1,935 $1,868 $1,663 $1,831 $5,747 $6,241 $1,942 $1,934
Nationwide $2,407 $2,445 $2,159 $2,274 $6,123 $7,808 $2,774 $2,990
Progressive $2,334 $2,179 $2,045 $2,035 $8,107 $9,049 $2,628 $2,550
State Farm $2,226 $2,226 $2,011 $2,011 $6,500 $8,234 $2,495 $2,949
USAA $2,144 $2,134 $2,053 $2,050 $5,430 $6,205 $2,753 $2,983

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Minimum Car Insurance in Castle Rock, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Castle Rock, Colorado

Insurance Company Poor Fair Good
Allstate $6,785 $5,247 $3,957
American Family $4,794 $3,422 $2,874
Farmers $5,725 $4,672 $4,439
GEICO $3,534 $2,941 $2,347
Liberty Mutual $4,134 $2,535 $2,016
Nationwide $4,373 $3,471 $3,023
Progressive $4,385 $3,756 $3,456
State Farm $4,974 $3,195 $2,575
USAA $4,749 $2,722 $2,186

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

Annual Castle Rock, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,513 $5,221 $6,441 $5,143
American Family $2,735 $3,879 $5,073 $3,101
Farmers $4,176 $5,377 $5,302 $4,927
GEICO $2,063 $3,241 $3,774 $2,684
Liberty Mutual $2,536 $2,975 $3,078 $2,991
Nationwide $2,795 $3,806 $4,817 $3,072
Progressive $3,345 $4,696 $3,528 $3,893
State Farm $3,288 $3,875 $3,581 $3,581
USAA $2,351 $2,873 $5,002 $2,649

Cheapest Castle Rock, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Castle Rock, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,544 $12,179
American Family $6,118 $8,226
Farmers $11,099 $11,214
GEICO $5,851 $6,154
Liberty Mutual $5,747 $6,241
Nationwide $6,123 $7,808
Progressive $8,107 $9,049
State Farm $6,500 $8,234
USAA $5,430 $6,205

Cheapest Castle Rock, CO Car Insurance for Seniors

Take a look at Castle Rock, 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 Castle Rock, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,894 $2,920
American Family $2,280 $2,280
Farmers $2,564 $2,771
GEICO $1,984 $2,270
Liberty Mutual $1,663 $1,831
Nationwide $2,159 $2,274
Progressive $2,045 $2,035
State Farm $2,011 $2,011
USAA $2,053 $2,050

Cheapest Castle Rock, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Castle Rock, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,441
American Family $5,073
Farmers $5,302
GEICO $3,774
Liberty Mutual $3,078
Nationwide $4,817
Progressive $3,528
State Farm $3,581
USAA $5,002

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Cheapest Castle Rock, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Castle Rock, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,329 $5,329
American Family $3,617 $3,777
Farmers $4,945 $4,945
GEICO $2,880 $3,001
Liberty Mutual $2,895 $2,895
Nationwide $3,622 $3,622
Progressive $3,866 $3,866
State Farm $3,491 $3,672
USAA $3,128 $3,310

Cheapest Castle Rock, CO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Castle Rock, Colorado

ZIP Code Average Annual Rates
80104 $3,493
80109 $3,496

The Best Cheap Car Insurance Companies in Castle Rock, CO

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

Average Annual Car Insurance Rates by Company in Castle Rock, Colorado

Insurance Company Average Annual Rates
Allstate $5,329
American Family $3,697
Farmers $4,945
GEICO $2,941
Liberty Mutual $2,895
Nationwide $3,622
Progressive $3,866
State Farm $3,581
USAA $3,219

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Category Winners: Cheapest Car Insurance in Castle Rock, Colorado

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

Best Annual Car Insurance Rates by Company in Castle Rock, 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 Castle Rock, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Castle Rock, Colorado

Insurance Company Low Medium High
Allstate $5,032 $5,311 $5,645
American Family $3,493 $3,773 $3,825
Farmers $4,300 $4,870 $5,666
GEICO $2,607 $2,882 $3,333
Liberty Mutual $2,703 $2,882 $3,101
Nationwide $3,598 $3,626 $3,644
Progressive $3,565 $3,879 $4,154
State Farm $3,321 $3,585 $3,838
USAA $3,064 $3,219 $3,373

What affects car insurance rates in Castle Rock, Colorado?

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

Commute Time in Castle Rock

The more time you spend in your car the higher the risk of an accident. The average commute length in Castle Rock, CO is 29.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Castle Rock, CO

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

Free Car Insurance Comparison

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