Best Fountain, CO Car Insurance in 2025
Car insurance in Fountain, CO averages $344 a month. Fountain, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Fountain car insurance rates, compare quotes from the top car insurance companies in Fountain, CO.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated October 2024
- The cheapest car insurance company in Fountain for teen drivers is Liberty Mutual
- The cheapest car insurance company in Fountain is Liberty Mutual
- Average car insurance rates in Fountain, CO after a DUI are $4,916/year
If you need to buy Fountain, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Fountain, CO is right here.
You’ll find Fountain car insurance rates, the cheapest Fountain, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Fountain, Colorado car insurance rates to Pueblo car insurance rates, Greeley car insurance rates, and Lakewood car insurance rates.
Ready to find affordable Fountain, CO car insurance today? Enter your ZIP code for fast, free Fountain car insurance quotes.
Cheapest Fountain, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Fountain, CO car insurance rates? Every Fountain, Colorado car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,546 | $3,325 | $3,205 | $3,236 | $12,157 | $12,762 | $3,899 | $3,912 |
| American Family | $2,670 | $2,670 | $2,407 | $2,407 | $6,476 | $8,699 | $2,670 | $3,267 |
| Farmers | $3,454 | $3,406 | $3,140 | $3,415 | $13,000 | $12,942 | $3,765 | $3,755 |
| Geico | $2,369 | $2,605 | $2,562 | $2,953 | $7,524 | $7,914 | $2,156 | $2,170 |
| Liberty Mutual | $1,837 | $1,751 | $1,571 | $1,734 | $5,872 | $6,399 | $1,852 | $1,851 |
| Nationwide | $2,599 | $2,643 | $2,329 | $2,457 | $6,607 | $8,433 | $2,995 | $3,230 |
| Progressive | $2,509 | $2,347 | $2,227 | $2,211 | $8,729 | $9,742 | $2,812 | $2,727 |
| State Farm | $2,093 | $2,093 | $1,902 | $1,902 | $6,173 | $7,792 | $2,347 | $2,775 |
| USAA | $2,315 | $2,301 | $2,222 | $2,220 | $5,870 | $6,730 | $2,978 | $3,233 |
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Minimum Car Insurance in Fountain, CO
Every driver must carry the minimum car insurance required by the state in Fountain, CO. Take a look at the Colorado car insurance requirements.
| 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 Fountain, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Fountain, CO. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Fountain from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,360 | $5,650 | $4,256 |
| American Family | $5,075 | $3,615 | $3,035 |
| Farmers | $6,836 | $5,512 | $5,231 |
| Geico | $4,554 | $3,782 | $3,009 |
| Liberty Mutual | $4,074 | $2,509 | $1,992 |
| Nationwide | $4,729 | $3,746 | $3,260 |
| Progressive | $4,737 | $4,044 | $3,708 |
| State Farm | $4,689 | $3,023 | $2,442 |
| USAA | $5,138 | $2,947 | $2,367 |
Cheapest Fountain, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Fountain, CO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,921 | $5,655 | $6,882 | $5,562 |
| American Family | $2,893 | $4,092 | $5,368 | $3,280 |
| Farmers | $4,940 | $6,370 | $6,290 | $5,838 |
| Geico | $2,641 | $4,157 | $4,879 | $3,449 |
| Liberty Mutual | $2,515 | $2,938 | $3,029 | $2,953 |
| Nationwide | $3,015 | $4,111 | $5,206 | $3,314 |
| Progressive | $3,589 | $5,097 | $3,787 | $4,179 |
| State Farm | $3,102 | $3,668 | $3,385 | $3,385 |
| USAA | $2,542 | $3,112 | $5,413 | $2,867 |
Cheapest Fountain, CO Car Insurance for Teen Drivers
Teen car insurance in Fountain, CO can be expensive. Take a look at rates from the top car insurance companies in Fountain for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,157 | $12,762 |
| American Family | $6,476 | $8,699 |
| Farmers | $13,000 | $12,942 |
| Geico | $7,524 | $7,914 |
| Liberty Mutual | $5,872 | $6,399 |
| Nationwide | $6,607 | $8,433 |
| Progressive | $8,729 | $9,742 |
| State Farm | $6,173 | $7,792 |
| USAA | $5,870 | $6,730 |
Cheapest Fountain, CO Car Insurance for Seniors
Take a look at Fountain, CO rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,205 | $3,236 |
| American Family | $2,407 | $2,407 |
| Farmers | $3,140 | $3,415 |
| Geico | $2,562 | $2,953 |
| Liberty Mutual | $1,571 | $1,734 |
| Nationwide | $2,329 | $2,457 |
| Progressive | $2,227 | $2,211 |
| State Farm | $1,902 | $1,902 |
| USAA | $2,222 | $2,220 |
Cheapest Fountain, CO Car Insurance Rates After a DUI
A DUI in Fountain, CO increases car insurance rates. Compare Fountain, Colorado car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,882 |
| American Family | $5,368 |
| Farmers | $6,290 |
| Geico | $4,879 |
| Liberty Mutual | $3,029 |
| Nationwide | $5,206 |
| Progressive | $3,787 |
| State Farm | $3,385 |
| USAA | $5,413 |
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Cheapest Fountain, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Fountain, CO by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,755 | $5,755 |
| American Family | $3,824 | $3,993 |
| Farmers | $5,860 | $5,860 |
| Geico | $3,701 | $3,862 |
| Liberty Mutual | $2,858 | $2,858 |
| Nationwide | $3,912 | $3,912 |
| Progressive | $4,163 | $4,163 |
| State Farm | $3,300 | $3,469 |
| USAA | $3,384 | $3,583 |
The Best Cheap Car Insurance Companies in Fountain, CO
Take a look at a side-by-side comparison of the top car insurance companies in Fountain, CO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,755 |
| American Family | $3,908 |
| Farmers | $5,860 |
| Geico | $3,782 |
| Liberty Mutual | $2,858 |
| Nationwide | $3,912 |
| Progressive | $4,163 |
| State Farm | $3,385 |
| USAA | $3,484 |
Category Winners: Cheapest Car Insurance in Fountain, Colorado
Find the cheapest car insurance companies in Fountain, CO for each category right here.
| 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 | USAA |
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Cheapest Fountain, CO Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Fountain car insurance rates. Find the cheapest Fountain, CO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,378 | $5,731 | $6,157 |
| American Family | $3,693 | $3,989 | $4,043 |
| Farmers | $5,077 | $5,771 | $6,730 |
| Geico | $3,302 | $3,689 | $4,355 |
| Liberty Mutual | $2,670 | $2,846 | $3,060 |
| Nationwide | $3,882 | $3,912 | $3,941 |
| Progressive | $3,746 | $4,178 | $4,565 |
| State Farm | $3,120 | $3,386 | $3,649 |
| USAA | $3,304 | $3,484 | $3,664 |
What affects car insurance rates in Fountain, Colorado?
What are the factors that affect car insurance rates in Fountain, CO? There are several reasons why Fountain car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fountain, Colorado.
Commute Time in Fountain
The more time you spend in your car the higher the risk of an accident. The average commute length in Fountain, CO is 25.5 minutes according to City-Data.
Compare Car Insurance Quotes in Fountain, CO
Ready to find affordable Fountain, Colorado car insurance today? Enter your ZIP code for fast, free Fountain, CO car insurance quotes.
Frequently Asked Questions
How do factors like age, gender, and marital status affect car insurance rates?
Factors like age, gender, and marital status can influence car insurance rates. Insurance companies assess these factors differently, so comparing quotes from multiple companies is important to find the best rates.
What are the minimum car insurance requirements in Fountain, CO?
Fountain, CO requires a minimum car insurance coverage of 25/50/15, meaning at least $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 in property damage liability.
Does credit score affect car insurance rates in Fountain, CO?
Yes, credit score can impact car insurance rates. A good credit score may result in discounts. It’s beneficial to compare rates from different companies to see how your credit score affects premiums.
How does a bad driving record affect car insurance rates?
A bad driving record can lead to higher car insurance rates. Accidents, violations, and infractions label you as a higher risk driver. Comparing rates from different companies can help find affordable options despite a bad record.
Are there senior discounts available for car insurance in Fountain, CO?
Yes, seniors may be eligible for car insurance discounts. Comparing rates from different companies can help find the best options for senior drivers.
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