Compare Cortez, CO Car Insurance Rates (2021)

Car insurance in Cortez, CO averages $313 a month. Cortez, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cortez car insurance rates, compare quotes from the top car insurance companies in Cortez, CO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Cortez for teen drivers is Liberty Mutual
  • Average car insurance rates in Cortez, CO after a DUI are $4,459/year
  • The cheapest car insurance company in Cortez is Liberty Mutual

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

You’ll find Cortez car insurance rates, the cheapest Cortez, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Cortez, Colorado car insurance rates to Pueblo car insurance rates, Greeley car insurance rates, and Boulder car insurance rates.

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

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

How do age, gender, and marital status affect Cortez, CO car insurance rates? Every Cortez, 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 Cortez, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $3,090 $3,046 $2,811 $3,050 $11,504 $11,450 $3,381 $3,388
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $1,884 $1,872 $1,587 $1,738 $5,146 $5,614 $1,906 $1,952
Nationwide $2,342 $2,393 $2,090 $2,217 $5,853 $7,521 $2,684 $2,907
Progressive $2,588 $2,426 $2,211 $2,214 $8,455 $9,476 $2,932 $2,863
State Farm $2,028 $2,028 $1,807 $1,807 $5,675 $7,208 $2,264 $2,683
USAA $2,253 $2,263 $2,138 $2,163 $5,470 $6,294 $2,903 $3,183

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Cortez, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Cortez, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $6,085 $4,905 $4,655
GEICO $3,396 $2,827 $2,257
Liberty Mutual $3,894 $2,359 $1,885
Nationwide $4,239 $3,346 $2,918
Progressive $4,731 $4,021 $3,685
State Farm $4,430 $2,843 $2,289
USAA $4,946 $2,808 $2,247

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

Annual Cortez, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $4,394 $5,663 $5,595 $5,209
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,362 $2,775 $2,906 $2,807
Nationwide $2,683 $3,679 $4,683 $2,958
Progressive $3,605 $4,957 $3,806 $4,215
State Farm $2,945 $3,430 $3,188 $3,188
USAA $2,453 $2,973 $5,139 $2,769

Cheapest Cortez, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cortez, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $11,504 $11,450
GEICO $5,555 $5,909
Liberty Mutual $5,146 $5,614
Nationwide $5,853 $7,521
Progressive $8,455 $9,476
State Farm $5,675 $7,208
USAA $5,470 $6,294

Cheapest Cortez, CO Car Insurance for Seniors

Take a look at Cortez, 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 Cortez, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,811 $3,050
GEICO $1,866 $2,072
Liberty Mutual $1,587 $1,738
Nationwide $2,090 $2,217
Progressive $2,211 $2,214
State Farm $1,807 $1,807
USAA $2,138 $2,163

Cheapest Cortez, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cortez, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $5,595
GEICO $3,517
Liberty Mutual $2,906
Nationwide $4,683
Progressive $3,806
State Farm $3,188
USAA $5,139

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Cortez, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cortez, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $5,215 $5,215
GEICO $2,763 $2,890
Liberty Mutual $2,713 $2,713
Nationwide $3,501 $3,501
Progressive $4,146 $4,146
State Farm $3,110 $3,265
USAA $3,238 $3,428

The Best Cheap Car Insurance Companies in Cortez, CO

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

Average Annual Car Insurance Rates by Company in Cortez, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $5,215
GEICO $2,827
Liberty Mutual $2,713
Nationwide $3,501
Progressive $4,146
State Farm $3,188
USAA $3,333

Category Winners: Cheapest Car Insurance in Cortez, Colorado

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

Best Annual Car Insurance Rates by Company in Cortez, Colorado

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Cortez, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cortez, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $4,563 $5,142 $5,940
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,584 $2,704 $2,850
Nationwide $3,554 $3,498 $3,451
Progressive $3,903 $4,155 $4,379
State Farm $3,004 $3,189 $3,370
USAA $3,190 $3,333 $3,477

What affects car insurance rates in Cortez, Colorado?

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

Commute Time in Cortez

The more time you spend in your car the higher the risk of an accident. The average commute length in Cortez, CO is 17.7 minutes according to City-Data.

Compare Car Insurance Quotes in Cortez, CO

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption