Compare Fort Collins, CO Car Insurance Rates (2021)

Car insurance in Fort Collins, CO averages $282 a month. Fort Collins, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Fort Collins car insurance rates, compare quotes from the top car insurance companies in Fort Collins, 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 Fort Collins, CO after a DUI are $4,026/year
  • The cheapest car insurance company in Fort Collins for teen drivers is USAA
  • The cheapest car insurance company in Fort Collins is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Fort Collins, CO car insurance rates? Every Fort Collins, 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 Fort Collins, 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 $2,664 $2,492 $2,419 $2,442 $9,256 $9,738 $2,903 $2,906
American Family $2,353 $2,353 $2,126 $2,126 $5,682 $7,645 $2,353 $2,874
Farmers $2,749 $2,723 $2,491 $2,689 $10,396 $10,458 $3,018 $3,045
GEICO $1,754 $1,924 $1,886 $2,162 $5,569 $5,868 $1,601 $1,615
Liberty Mutual $1,554 $1,456 $1,324 $1,462 $4,966 $5,430 $1,570 $1,577
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,215 $2,070 $1,953 $1,942 $7,704 $8,590 $2,488 $2,412
State Farm $1,822 $1,822 $1,652 $1,652 $5,431 $6,858 $2,047 $2,429
USAA $1,847 $1,837 $1,773 $1,769 $4,633 $5,288 $2,361 $2,553

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Minimum Car Insurance in Fort Collins, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Fort Collins, Colorado

Insurance Company Poor Fair Good
Allstate $5,541 $4,279 $3,238
American Family $4,452 $3,187 $2,678
Farmers $5,454 $4,428 $4,207
GEICO $3,360 $2,797 $2,234
Liberty Mutual $3,434 $2,125 $1,693
Nationwide $4,099 $3,254 $2,838
Progressive $4,164 $3,568 $3,283
State Farm $4,118 $2,644 $2,131
USAA $4,058 $2,335 $1,879

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

Annual Fort Collins, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,709 $4,269 $5,226 $4,205
American Family $2,543 $3,618 $4,712 $2,882
Farmers $3,966 $5,099 $5,030 $4,689
GEICO $1,961 $3,077 $3,604 $2,547
Liberty Mutual $2,130 $2,485 $2,561 $2,494
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,176 $4,470 $3,349 $3,692
State Farm $2,714 $3,215 $2,964 $2,964
USAA $2,024 $2,466 $4,266 $2,275

Cheapest Fort Collins, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fort Collins, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,256 $9,738
American Family $5,682 $7,645
Farmers $10,396 $10,458
GEICO $5,569 $5,868
Liberty Mutual $4,966 $5,430
Nationwide $5,724 $7,310
Progressive $7,704 $8,590
State Farm $5,431 $6,858
USAA $4,633 $5,288

Cheapest Fort Collins, CO Car Insurance for Seniors

Take a look at Fort Collins, 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 Fort Collins, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,419 $2,442
American Family $2,126 $2,126
Farmers $2,491 $2,689
GEICO $1,886 $2,162
Liberty Mutual $1,324 $1,462
Nationwide $2,028 $2,139
Progressive $1,953 $1,942
State Farm $1,652 $1,652
USAA $1,773 $1,769

Cheapest Fort Collins, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fort Collins, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,226
American Family $4,712
Farmers $5,030
GEICO $3,604
Liberty Mutual $2,561
Nationwide $4,523
Progressive $3,349
State Farm $2,964
USAA $4,266

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Cheapest Fort Collins, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Fort Collins, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,353 $4,353
American Family $3,365 $3,513
Farmers $4,696 $4,696
GEICO $2,741 $2,854
Liberty Mutual $2,417 $2,417
Nationwide $3,397 $3,397
Progressive $3,672 $3,672
State Farm $2,890 $3,038
USAA $2,681 $2,834

Cheapest Fort Collins, CO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Fort Collins, Colorado

ZIP Code Average Annual Rates
80521 $3,097
80523 $3,243
80524 $3,144
80525 $3,084
80526 $3,110
80528 $3,141

The Best Cheap Car Insurance Companies in Fort Collins, CO

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

Average Annual Car Insurance Rates by Company in Fort Collins, Colorado

Insurance Company Average Annual Rates
Allstate $4,353
American Family $3,439
Farmers $4,696
GEICO $2,797
Liberty Mutual $2,417
Nationwide $3,397
Progressive $3,672
State Farm $2,964
USAA $2,758

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Category Winners: Cheapest Car Insurance in Fort Collins, Colorado

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

Best Annual Car Insurance Rates by Company in Fort Collins, 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

Cheapest Fort Collins, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fort Collins, Colorado

Insurance Company Low Medium High
Allstate $4,091 $4,336 $4,631
American Family $3,245 $3,511 $3,561
Farmers $4,116 $4,630 $5,343
GEICO $2,479 $2,740 $3,172
Liberty Mutual $2,254 $2,407 $2,591
Nationwide $3,381 $3,402 $3,409
Progressive $3,362 $3,685 $3,968
State Farm $2,747 $2,968 $3,178
USAA $2,619 $2,757 $2,897

What affects car insurance rates in Fort Collins, Colorado?

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

Commute Time in Fort Collins

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Collins, CO is 20.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Fort Collins, CO

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

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