Compare Central City, CO Car Insurance Rates (2021)

Car insurance in Central City, CO averages $334 a month. Central City, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Central City car insurance rates, compare quotes from the top car insurance companies in Central City, 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 Central City is Liberty Mutual
  • Average car insurance rates in Central City, CO are $4,009/year
  • The cheapest car insurance company in Central City for teen drivers is USAA

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

You’ll find Central City car insurance rates, the cheapest Central City, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Central City, Colorado car insurance rates to Boulder car insurance rates, Centennial car insurance rates, and Arvada car insurance rates.

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

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

How do age, gender, and marital status affect Central City, CO car insurance rates? Every Central City, 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 Central City, 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 $3,289 $3,077 $2,966 $2,996 $11,528 $12,139 $3,617 $3,629
American Family $2,806 $2,806 $2,529 $2,529 $6,824 $9,164 $2,806 $3,441
Farmers $3,154 $3,127 $2,852 $3,072 $12,054 $12,176 $3,472 $3,514
GEICO $2,208 $2,439 $2,383 $2,740 $7,065 $7,468 $2,010 $2,034
Liberty Mutual $1,890 $1,864 $1,587 $1,744 $5,828 $6,377 $1,922 $1,969
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,750 $2,560 $2,397 $2,382 $9,788 $10,975 $3,111 $3,024
State Farm $2,226 $2,226 $1,999 $1,999 $6,414 $8,107 $2,492 $2,963
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

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Minimum Car Insurance in Central City, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Central City, Colorado

Insurance Company Poor Fair Good
Allstate $6,888 $5,316 $4,011
American Family $5,349 $3,803 $3,187
Farmers $6,289 $5,124 $4,870
GEICO $4,265 $3,543 $2,822
Liberty Mutual $4,147 $2,532 $2,014
Nationwide $4,245 $3,363 $2,929
Progressive $5,243 $4,491 $4,136
State Farm $4,935 $3,170 $2,555
USAA $4,426 $2,549 $2,051

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

Annual Central City, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,605 $5,304 $6,491 $5,221
American Family $3,044 $4,299 $5,656 $3,453
Farmers $4,585 $5,894 $5,812 $5,420
GEICO $2,474 $3,880 $4,594 $3,225
Liberty Mutual $2,540 $2,968 $3,086 $2,996
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,994 $5,627 $4,217 $4,656
State Farm $3,269 $3,838 $3,553 $3,553
USAA $2,191 $2,686 $4,693 $2,465

Cheapest Central City, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Central City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,528 $12,139
American Family $6,824 $9,164
Farmers $12,054 $12,176
GEICO $7,065 $7,468
Liberty Mutual $5,828 $6,377
Nationwide $5,929 $7,587
Progressive $9,788 $10,975
State Farm $6,414 $8,107
USAA $5,128 $5,847

Cheapest Central City, CO Car Insurance for Seniors

Take a look at Central City, 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 Central City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,966 $2,996
American Family $2,529 $2,529
Farmers $2,852 $3,072
GEICO $2,383 $2,740
Liberty Mutual $1,587 $1,744
Nationwide $2,085 $2,204
Progressive $2,397 $2,382
State Farm $1,999 $1,999
USAA $1,918 $1,904

Cheapest Central City, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Central City, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,491
American Family $5,656
Farmers $5,812
GEICO $4,594
Liberty Mutual $3,086
Nationwide $4,685
Progressive $4,217
State Farm $3,553
USAA $4,693

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Cheapest Central City, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Central City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,405 $5,405
American Family $4,024 $4,202
Farmers $5,428 $5,428
GEICO $3,471 $3,616
Liberty Mutual $2,898 $2,898
Nationwide $3,512 $3,512
Progressive $4,623 $4,623
State Farm $3,467 $3,639
USAA $2,925 $3,093

The Best Cheap Car Insurance Companies in Central City, CO

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

Average Annual Car Insurance Rates by Company in Central City, Colorado

Insurance Company Average Annual Rates
Allstate $5,405
American Family $4,113
Farmers $5,428
GEICO $3,543
Liberty Mutual $2,898
Nationwide $3,512
Progressive $4,623
State Farm $3,553
USAA $3,009

Category Winners: Cheapest Car Insurance in Central City, Colorado

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

Best Annual Car Insurance Rates by Company in Central City, Colorado

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

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Cheapest Central City, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Central City, Colorado

Insurance Company Low Medium High
Allstate $5,107 $5,387 $5,721
American Family $3,906 $4,197 $4,237
Farmers $4,772 $5,352 $6,159
GEICO $3,133 $3,465 $4,032
Liberty Mutual $2,759 $2,890 $3,045
Nationwide $3,535 $3,511 $3,491
Progressive $4,287 $4,637 $4,946
State Farm $3,333 $3,554 $3,772
USAA $2,855 $3,009 $3,163

What affects car insurance rates in Central City, Colorado?

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

Commute Time in Central City

The more time you spend in your car the higher the risk of an accident. The average commute length in Central City, CO is 15.7 minutes according to City-Data.

Compare Car Insurance Quotes in Central City, CO

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