Compare Durango, CO Car Insurance Rates (2021)

Car insurance in Durango, CO averages $308 a month. Durango, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Durango car insurance rates, compare quotes from the top car insurance companies in Durango, 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 ZIP code in Durango is 81301
  • The cheapest car insurance company in Durango is GEICO
  • The cheapest car insurance company in Durango for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Durango, CO car insurance rates? Every Durango, 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 Durango, 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 $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,815 $2,792 $2,552 $2,745 $10,444 $10,521 $3,096 $3,141
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $2,018 $1,991 $1,707 $1,873 $5,616 $6,124 $2,037 $2,071
Nationwide $2,261 $2,310 $2,019 $2,144 $5,547 $7,138 $2,582 $2,798
Progressive $2,506 $2,348 $2,147 $2,149 $8,240 $9,226 $2,836 $2,766
State Farm $1,912 $1,912 $1,705 $1,705 $5,344 $6,789 $2,134 $2,526
USAA $2,277 $2,292 $2,153 $2,182 $5,513 $6,341 $2,936 $3,222

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Minimum Car Insurance in Durango, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Durango, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,610 $3,271 $2,742
Farmers $5,537 $4,488 $4,265
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,200 $2,552 $2,037
Nationwide $4,057 $3,198 $2,795
Progressive $4,591 $3,907 $3,583
State Farm $4,172 $2,679 $2,158
USAA $5,000 $2,831 $2,262

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

Annual Durango, 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 $2,619 $3,721 $4,854 $2,969
Farmers $4,026 $5,165 $5,096 $4,767
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,553 $3,002 $3,135 $3,029
Nationwide $2,567 $3,521 $4,482 $2,830
Progressive $3,501 $4,822 $3,695 $4,090
State Farm $2,775 $3,231 $3,003 $3,003
USAA $2,475 $2,997 $5,192 $2,794

Cheapest Durango, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Durango, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,867 $7,848
Farmers $10,444 $10,521
GEICO $5,555 $5,909
Liberty Mutual $5,616 $6,124
Nationwide $5,547 $7,138
Progressive $8,240 $9,226
State Farm $5,344 $6,789
USAA $5,513 $6,341

Cheapest Durango, CO Car Insurance for Seniors

Take a look at Durango, 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 Durango, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,184 $2,184
Farmers $2,552 $2,745
GEICO $1,866 $2,072
Liberty Mutual $1,707 $1,873
Nationwide $2,019 $2,144
Progressive $2,147 $2,149
State Farm $1,705 $1,705
USAA $2,153 $2,182

Cheapest Durango, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Durango, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,854
Farmers $5,096
GEICO $3,517
Liberty Mutual $3,135
Nationwide $4,482
Progressive $3,695
State Farm $3,003
USAA $5,192

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Cheapest Durango, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Durango, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,466 $3,616
Farmers $4,763 $4,763
GEICO $2,763 $2,890
Liberty Mutual $2,930 $2,930
Nationwide $3,350 $3,350
Progressive $4,027 $4,027
State Farm $2,930 $3,076
USAA $3,268 $3,461

Cheapest Durango, CO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Durango, Colorado

ZIP Code Average Annual Rates
81301 $3,388
81303 $3,400

The Best Cheap Car Insurance Companies in Durango, CO

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

Average Annual Car Insurance Rates by Company in Durango, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,541
Farmers $4,763
GEICO $2,827
Liberty Mutual $2,930
Nationwide $3,350
Progressive $4,027
State Farm $3,003
USAA $3,364

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Category Winners: Cheapest Car Insurance in Durango, Colorado

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

Best Annual Car Insurance Rates by Company in Durango, Colorado

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

Cheapest Durango, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Durango, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,372 $3,615 $3,636
Farmers $4,203 $4,699 $5,388
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,775 $2,920 $3,095
Nationwide $3,375 $3,348 $3,326
Progressive $3,785 $4,037 $4,259
State Farm $2,825 $3,004 $3,181
USAA $3,231 $3,364 $3,498

What affects car insurance rates in Durango, Colorado?

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

Commute Time in Durango

The more time you spend in your car the higher the risk of an accident. The average commute length in Durango, CO is 15.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Durango, CO

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