Compare Gardner, CO Car Insurance Rates (2021)

Car insurance in Gardner, CO averages $316 a month. Gardner, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Gardner car insurance rates, compare quotes from the top car insurance companies in Gardner, 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 Gardner, CO after a DUI are $4,515/year
  • The cheapest car insurance company in Gardner is Liberty Mutual
  • The cheapest car insurance company in Gardner for teen drivers is Liberty Mutual

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

You’ll find Gardner car insurance rates, the cheapest Gardner, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Gardner, Colorado car insurance rates to Boulder car insurance rates, Colorado Springs car insurance rates, and Arvada car insurance rates.

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

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

How do age, gender, and marital status affect Gardner, CO car insurance rates? Every Gardner, 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 Gardner, 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 $3,206 $3,018 $2,881 $2,912 $10,514 $11,014 $3,557 $3,592
American Family $2,330 $2,330 $2,098 $2,098 $5,641 $7,517 $2,330 $2,869
Farmers $3,238 $3,204 $2,926 $3,145 $12,363 $12,493 $3,576 $3,627
GEICO $1,891 $2,049 $1,966 $2,195 $5,741 $6,088 $1,736 $1,779
Liberty Mutual $1,850 $1,821 $1,570 $1,721 $5,179 $5,639 $1,867 $1,896
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $2,361 $2,212 $2,050 $2,045 $7,902 $8,849 $2,663 $2,597
State Farm $1,991 $1,991 $1,774 $1,774 $5,576 $7,076 $2,223 $2,637
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

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Minimum Car Insurance in Gardner, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Gardner, Colorado

Insurance Company Poor Fair Good
Allstate $6,504 $4,987 $3,770
American Family $4,441 $3,137 $2,627
Farmers $6,445 $5,266 $5,004
GEICO $3,522 $2,931 $2,339
Liberty Mutual $3,860 $2,347 $1,872
Nationwide $4,848 $3,820 $3,334
Progressive $4,368 $3,722 $3,414
State Farm $4,350 $2,792 $2,249
USAA $5,166 $2,924 $2,337

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

Annual Gardner, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,375 $4,997 $6,052 $4,923
American Family $2,516 $3,581 $4,659 $2,851
Farmers $4,703 $6,050 $5,964 $5,569
GEICO $2,092 $3,217 $3,664 $2,749
Liberty Mutual $2,350 $2,758 $2,877 $2,786
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $3,328 $4,622 $3,511 $3,878
State Farm $2,892 $3,369 $3,130 $3,130
USAA $2,543 $3,088 $5,401 $2,871

Cheapest Gardner, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gardner, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,514 $11,014
American Family $5,641 $7,517
Farmers $12,363 $12,493
GEICO $5,741 $6,088
Liberty Mutual $5,179 $5,639
Nationwide $6,687 $8,617
Progressive $7,902 $8,849
State Farm $5,576 $7,076
USAA $5,735 $6,602

Cheapest Gardner, CO Car Insurance for Seniors

Take a look at Gardner, 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 Gardner, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,881 $2,912
American Family $2,098 $2,098
Farmers $2,926 $3,145
GEICO $1,966 $2,195
Liberty Mutual $1,570 $1,721
Nationwide $2,380 $2,529
Progressive $2,050 $2,045
State Farm $1,774 $1,774
USAA $2,214 $2,238

Cheapest Gardner, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gardner, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,052
American Family $4,659
Farmers $5,964
GEICO $3,664
Liberty Mutual $2,877
Nationwide $5,371
Progressive $3,511
State Farm $3,130
USAA $5,401

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Cheapest Gardner, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gardner, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,087 $5,087
American Family $3,330 $3,473
Farmers $5,572 $5,572
GEICO $2,865 $2,996
Liberty Mutual $2,693 $2,693
Nationwide $4,001 $4,001
Progressive $3,835 $3,835
State Farm $3,055 $3,206
USAA $3,377 $3,575

The Best Cheap Car Insurance Companies in Gardner, CO

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

Average Annual Car Insurance Rates by Company in Gardner, Colorado

Insurance Company Average Annual Rates
Allstate $5,087
American Family $3,402
Farmers $5,572
GEICO $2,931
Liberty Mutual $2,693
Nationwide $4,001
Progressive $3,835
State Farm $3,130
USAA $3,476

Category Winners: Cheapest Car Insurance in Gardner, Colorado

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

Best Annual Car Insurance Rates by Company in Gardner, 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 GEICO

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Cheapest Gardner, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gardner, Colorado

Insurance Company Low Medium High
Allstate $4,797 $5,067 $5,397
American Family $3,255 $3,472 $3,479
Farmers $4,952 $5,503 $6,260
GEICO $2,673 $2,881 $3,238
Liberty Mutual $2,549 $2,682 $2,847
Nationwide $4,052 $4,001 $3,949
Progressive $3,557 $3,845 $4,103
State Farm $2,954 $3,131 $3,306
USAA $3,336 $3,475 $3,616

Compare Car Insurance Quotes in Gardner, CO

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

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