Compare Fort Morgan, CO Car Insurance Rates (2021)

Car insurance in Fort Morgan, CO averages $329 a month. Fort Morgan, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Fort Morgan car insurance rates, compare quotes from the top car insurance companies in Fort Morgan, 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 car insurance company in Fort Morgan is Liberty Mutual
  • Average car insurance rates in Fort Morgan, CO are $3,949/year
  • Average car insurance rates in Fort Morgan, CO after a DUI are $4,693/year

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

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

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

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

How do age, gender, and marital status affect Fort Morgan, CO car insurance rates? Every Fort Morgan, 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 Morgan, 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 $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,239 $3,232 $2,938 $3,140 $11,609 $11,765 $3,554 $3,630
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,603 $1,545 $1,371 $1,507 $4,802 $5,227 $1,616 $1,624
Nationwide $2,847 $2,907 $2,537 $2,693 $7,160 $9,216 $3,269 $3,545
Progressive $2,955 $2,782 $2,507 $2,520 $9,217 $10,307 $3,343 $3,264
State Farm $1,937 $1,937 $1,719 $1,719 $5,282 $6,739 $2,157 $2,541
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

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Minimum Car Insurance in Fort Morgan, CO

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,704 $3,340 $2,802
Farmers $6,267 $5,072 $4,826
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,439 $2,113 $1,684
Nationwide $5,176 $4,081 $3,558
Progressive $5,294 $4,470 $4,072
State Farm $4,173 $2,680 $2,159
USAA $5,230 $2,954 $2,359

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

Annual Fort Morgan, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,575 $5,832 $5,746 $5,400
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,117 $2,475 $2,563 $2,493
Nationwide $3,262 $4,492 $5,732 $3,601
Progressive $4,011 $5,490 $4,238 $4,709
State Farm $2,786 $3,222 $3,004 $3,004
USAA $2,584 $3,128 $5,426 $2,919

Cheapest Fort Morgan, CO Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,988 $8,011
Farmers $11,609 $11,765
GEICO $6,794 $7,203
Liberty Mutual $4,802 $5,227
Nationwide $7,160 $9,216
Progressive $9,217 $10,307
State Farm $5,282 $6,739
USAA $5,738 $6,613

Cheapest Fort Morgan, CO Car Insurance for Seniors

Take a look at Fort Morgan, 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 Morgan, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,230 $2,230
Farmers $2,938 $3,140
GEICO $2,315 $2,572
Liberty Mutual $1,371 $1,507
Nationwide $2,537 $2,693
Progressive $2,507 $2,520
State Farm $1,719 $1,719
USAA $2,247 $2,282

Cheapest Fort Morgan, CO Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,277
American Family $4,955
Farmers $5,746
GEICO $4,295
Liberty Mutual $2,563
Nationwide $5,732
Progressive $4,238
State Farm $3,004
USAA $5,426

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Cheapest Fort Morgan, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fort Morgan, 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 Morgan, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,538 $3,692
Farmers $5,388 $5,388
GEICO $3,392 $3,557
Liberty Mutual $2,412 $2,412
Nationwide $4,272 $4,272
Progressive $4,612 $4,612
State Farm $2,930 $3,078
USAA $3,413 $3,615

The Best Cheap Car Insurance Companies in Fort Morgan, CO

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

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

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,615
Farmers $5,388
GEICO $3,475
Liberty Mutual $2,412
Nationwide $4,272
Progressive $4,612
State Farm $3,004
USAA $3,514

Category Winners: Cheapest Car Insurance in Fort Morgan, Colorado

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

Best Annual Car Insurance Rates by Company in Fort Morgan, Colorado

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

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Cheapest Fort Morgan, CO Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,434 $3,690 $3,722
Farmers $4,777 $5,316 $6,072
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,263 $2,401 $2,571
Nationwide $4,310 $4,274 $4,232
Progressive $4,317 $4,623 $4,895
State Farm $2,828 $3,005 $3,180
USAA $3,378 $3,514 $3,651

What affects car insurance rates in Fort Morgan, Colorado?

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

Commute Time in Fort Morgan

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Morgan, CO is 16.9 minutes according to City-Data.

Compare Car Insurance Quotes in Fort Morgan, CO

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

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

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