Compare Empire, CO Car Insurance Rates (2021)

Car insurance in Empire, CO averages $339 a month. Empire, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Empire car insurance rates, compare quotes from the top car insurance companies in Empire, 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 Empire, CO after a DUI are $4,858/year
  • Average car insurance rates in Empire, CO are $4,066/year
  • The cheapest car insurance company in Empire for teen drivers is Liberty Mutual

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

You’ll find Empire car insurance rates, the cheapest Empire, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Empire, Colorado car insurance rates to Denver car insurance rates, Lakewood car insurance rates, and Colorado Springs car insurance rates.

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

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

How do age, gender, and marital status affect Empire, CO car insurance rates? Every Empire, 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 Empire, 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 $3,671 $3,425 $3,290 $3,327 $12,892 $13,512 $4,054 $4,086
American Family $2,736 $2,736 $2,465 $2,465 $6,640 $8,899 $2,736 $3,357
Farmers $3,024 $3,000 $2,738 $2,943 $11,394 $11,502 $3,344 $3,406
GEICO $2,002 $2,196 $2,123 $2,411 $6,280 $6,658 $1,830 $1,866
Liberty Mutual $1,762 $1,700 $1,479 $1,629 $5,581 $6,118 $1,793 $1,835
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,524 $2,353 $2,180 $2,173 $8,765 $9,823 $2,860 $2,784
State Farm $2,529 $2,529 $2,256 $2,256 $7,113 $9,033 $2,825 $3,347
USAA $2,523 $2,525 $2,395 $2,403 $6,387 $7,327 $3,257 $3,553

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Minimum Car Insurance in Empire, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Empire, Colorado

Insurance Company Poor Fair Good
Allstate $7,699 $5,926 $4,471
American Family $5,211 $3,700 $3,101
Farmers $6,002 $4,874 $4,631
GEICO $3,813 $3,171 $2,528
Liberty Mutual $3,909 $2,396 $1,906
Nationwide $4,245 $3,363 $2,929
Progressive $4,745 $4,062 $3,742
State Farm $5,541 $3,555 $2,862
USAA $5,636 $3,197 $2,555

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

Annual Empire, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,123 $5,907 $7,274 $5,826
American Family $2,965 $4,189 $5,501 $3,362
Farmers $4,361 $5,603 $5,531 $5,179
GEICO $2,235 $3,472 $4,054 $2,922
Liberty Mutual $2,405 $2,805 $2,909 $2,828
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,626 $5,051 $3,827 $4,227
State Farm $3,681 $4,292 $3,986 $3,986
USAA $2,754 $3,367 $5,954 $3,110

Cheapest Empire, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Empire, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,892 $13,512
American Family $6,640 $8,899
Farmers $11,394 $11,502
GEICO $6,280 $6,658
Liberty Mutual $5,581 $6,118
Nationwide $5,929 $7,587
Progressive $8,765 $9,823
State Farm $7,113 $9,033
USAA $6,387 $7,327

Cheapest Empire, CO Car Insurance for Seniors

Take a look at Empire, 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 Empire, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,290 $3,327
American Family $2,465 $2,465
Farmers $2,738 $2,943
GEICO $2,123 $2,411
Liberty Mutual $1,479 $1,629
Nationwide $2,085 $2,204
Progressive $2,180 $2,173
State Farm $2,256 $2,256
USAA $2,395 $2,403

Cheapest Empire, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Empire, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,274
American Family $5,501
Farmers $5,531
GEICO $4,054
Liberty Mutual $2,909
Nationwide $4,685
Progressive $3,827
State Farm $3,986
USAA $5,954

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Cheapest Empire, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Empire, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,032 $6,032
American Family $3,918 $4,090
Farmers $5,169 $5,169
GEICO $3,104 $3,238
Liberty Mutual $2,737 $2,737
Nationwide $3,512 $3,512
Progressive $4,183 $4,183
State Farm $3,889 $4,083
USAA $3,687 $3,905

The Best Cheap Car Insurance Companies in Empire, CO

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

Average Annual Car Insurance Rates by Company in Empire, Colorado

Insurance Company Average Annual Rates
Allstate $6,032
American Family $4,004
Farmers $5,169
GEICO $3,171
Liberty Mutual $2,737
Nationwide $3,512
Progressive $4,183
State Farm $3,986
USAA $3,796

Category Winners: Cheapest Car Insurance in Empire, Colorado

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

Best Annual Car Insurance Rates by Company in Empire, 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 Liberty Mutual

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Cheapest Empire, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Empire, Colorado

Insurance Company Low Medium High
Allstate $5,732 $6,014 $6,351
American Family $3,808 $4,086 $4,118
Farmers $4,571 $5,099 $5,837
GEICO $2,850 $3,109 $3,553
Liberty Mutual $2,592 $2,728 $2,891
Nationwide $3,535 $3,511 $3,491
Progressive $3,927 $4,194 $4,427
State Farm $3,751 $3,988 $4,219
USAA $3,643 $3,796 $3,949

What affects car insurance rates in Empire, Colorado?

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

Commute Time in Empire

The more time you spend in your car the higher the risk of an accident. The average commute length in Empire, CO is 26.7 minutes according to City-Data.

Compare Car Insurance Quotes in Empire, CO

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