Compare Estes Park, CO Car Insurance Rates (2021)

Car insurance in Estes Park, CO averages $292 a month. Estes Park, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Estes Park car insurance rates, compare quotes from the top car insurance companies in Estes Park, 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 Estes Park, CO are $3,507/year
  • The cheapest car insurance company in Estes Park for teen drivers is USAA
  • The cheapest car insurance company in Estes Park is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Estes Park, CO car insurance rates? Every Estes Park, 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 Estes Park, 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 $2,630 $2,460 $2,386 $2,408 $9,113 $9,595 $2,868 $2,874
American Family $2,404 $2,404 $2,169 $2,169 $5,813 $7,796 $2,404 $2,945
Farmers $2,653 $2,620 $2,404 $2,597 $10,037 $10,076 $2,909 $2,926
GEICO $1,798 $1,968 $1,916 $2,183 $5,686 $6,005 $1,645 $1,666
Liberty Mutual $1,678 $1,630 $1,424 $1,568 $5,366 $5,864 $1,700 $1,717
Nationwide $2,352 $2,393 $2,104 $2,222 $5,982 $7,647 $2,709 $2,924
Progressive $2,427 $2,268 $2,123 $2,114 $8,371 $9,353 $2,734 $2,656
State Farm $2,037 $2,037 $1,827 $1,827 $5,899 $7,453 $2,281 $2,719
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

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Minimum Car Insurance in Estes Park, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Estes Park, Colorado

Insurance Company Poor Fair Good
Allstate $5,461 $4,219 $3,195
American Family $4,563 $3,249 $2,727
Farmers $5,252 $4,273 $4,059
GEICO $3,435 $2,858 $2,282
Liberty Mutual $3,726 $2,299 $1,830
Nationwide $4,278 $3,392 $2,955
Progressive $4,551 $3,891 $3,576
State Farm $4,532 $2,907 $2,341
USAA $4,339 $2,489 $2,000

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

Annual Estes Park, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $4,207 $5,155 $4,147
American Family $2,599 $3,693 $4,815 $2,945
Farmers $3,823 $4,920 $4,852 $4,517
GEICO $2,009 $3,142 $3,667 $2,615
Liberty Mutual $2,304 $2,689 $2,778 $2,702
Nationwide $2,726 $3,721 $4,720 $2,999
Progressive $3,466 $4,862 $3,657 $4,037
State Farm $2,997 $3,522 $3,260 $3,260
USAA $2,153 $2,627 $4,570 $2,423

Cheapest Estes Park, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Estes Park, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,113 $9,595
American Family $5,813 $7,796
Farmers $10,037 $10,076
GEICO $5,686 $6,005
Liberty Mutual $5,366 $5,864
Nationwide $5,982 $7,647
Progressive $8,371 $9,353
State Farm $5,899 $7,453
USAA $4,952 $5,658

Cheapest Estes Park, CO Car Insurance for Seniors

Take a look at Estes Park, 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 Estes Park, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,386 $2,408
American Family $2,169 $2,169
Farmers $2,404 $2,597
GEICO $1,916 $2,183
Liberty Mutual $1,424 $1,568
Nationwide $2,104 $2,222
Progressive $2,123 $2,114
State Farm $1,827 $1,827
USAA $1,883 $1,880

Cheapest Estes Park, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Estes Park, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,155
American Family $4,815
Farmers $4,852
GEICO $3,667
Liberty Mutual $2,778
Nationwide $4,720
Progressive $3,657
State Farm $3,260
USAA $4,570

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Cheapest Estes Park, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Estes Park, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,292 $4,292
American Family $3,438 $3,588
Farmers $4,528 $4,528
GEICO $2,800 $2,916
Liberty Mutual $2,618 $2,618
Nationwide $3,542 $3,542
Progressive $4,006 $4,006
State Farm $3,181 $3,338
USAA $2,861 $3,026

The Best Cheap Car Insurance Companies in Estes Park, CO

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

Average Annual Car Insurance Rates by Company in Estes Park, Colorado

Insurance Company Average Annual Rates
Allstate $4,292
American Family $3,513
Farmers $4,528
GEICO $2,858
Liberty Mutual $2,618
Nationwide $3,542
Progressive $4,006
State Farm $3,260
USAA $2,943

Category Winners: Cheapest Car Insurance in Estes Park, Colorado

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

Best Annual Car Insurance Rates by Company in Estes Park, 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

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Cheapest Estes Park, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Estes Park, Colorado

Insurance Company Low Medium High
Allstate $4,049 $4,276 $4,550
American Family $3,332 $3,586 $3,621
Farmers $3,990 $4,469 $5,125
GEICO $2,563 $2,807 $3,205
Liberty Mutual $2,468 $2,610 $2,776
Nationwide $3,554 $3,544 $3,527
Progressive $3,690 $4,019 $4,309
State Farm $3,066 $3,262 $3,451
USAA $2,802 $2,943 $3,085

What affects car insurance rates in Estes Park, Colorado?

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

Commute Time in Estes Park

The more time you spend in your car the higher the risk of an accident. The average commute length in Estes Park, CO is 19.1 minutes according to City-Data.

Compare Car Insurance Quotes in Estes Park, CO

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

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