Compare Hereford, CO Car Insurance Rates (2021)

Car insurance in Hereford, CO averages $318 a month. Hereford, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Hereford car insurance rates, compare quotes from the top car insurance companies in Hereford, 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 Hereford, CO after a DUI are $4,535/year
  • The cheapest car insurance company in Hereford for teen drivers is USAA
  • Average car insurance rates in Hereford, CO are $3,811/year

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

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

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

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

How do age, gender, and marital status affect Hereford, CO car insurance rates? Every Hereford, 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 Hereford, 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 $3,230 $3,029 $2,901 $2,932 $11,005 $11,558 $3,577 $3,603
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,068 $3,047 $2,773 $2,978 $11,717 $11,871 $3,396 $3,460
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,859 $1,827 $1,582 $1,737 $5,444 $5,926 $1,876 $1,894
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,365 $2,215 $2,042 $2,040 $7,861 $8,795 $2,670 $2,602
State Farm $1,832 $1,832 $1,660 $1,660 $5,444 $6,876 $2,057 $2,440
USAA $2,057 $2,050 $1,967 $1,966 $5,179 $5,925 $2,639 $2,863

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Minimum Car Insurance in Hereford, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Hereford, Colorado

Insurance Company Poor Fair Good
Allstate $6,669 $5,137 $3,882
American Family $4,704 $3,340 $2,802
Farmers $6,127 $4,993 $4,746
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,959 $2,419 $1,927
Nationwide $4,899 $3,858 $3,367
Progressive $4,354 $3,711 $3,406
State Farm $4,133 $2,654 $2,138
USAA $4,549 $2,604 $2,090

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

Annual Hereford, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,473 $5,134 $6,255 $5,056
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,465 $5,736 $5,659 $5,294
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,422 $2,839 $2,950 $2,862
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,322 $4,596 $3,505 $3,873
State Farm $2,725 $3,225 $2,975 $2,975
USAA $2,251 $2,747 $4,792 $2,534

Cheapest Hereford, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hereford, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,005 $11,558
American Family $5,988 $8,011
Farmers $11,717 $11,871
GEICO $6,794 $7,203
Liberty Mutual $5,444 $5,926
Nationwide $6,746 $8,703
Progressive $7,861 $8,795
State Farm $5,444 $6,876
USAA $5,179 $5,925

Cheapest Hereford, CO Car Insurance for Seniors

Take a look at Hereford, 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 Hereford, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,901 $2,932
American Family $2,230 $2,230
Farmers $2,773 $2,978
GEICO $2,315 $2,572
Liberty Mutual $1,582 $1,737
Nationwide $2,404 $2,557
Progressive $2,042 $2,040
State Farm $1,660 $1,660
USAA $1,967 $1,966

Cheapest Hereford, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hereford, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,255
American Family $4,955
Farmers $5,659
GEICO $4,295
Liberty Mutual $2,950
Nationwide $5,431
Progressive $3,505
State Farm $2,975
USAA $4,792

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Cheapest Hereford, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hereford, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,229 $5,229
American Family $3,538 $3,692
Farmers $5,289 $5,289
GEICO $3,392 $3,557
Liberty Mutual $2,768 $2,768
Nationwide $4,041 $4,041
Progressive $3,824 $3,824
State Farm $2,901 $3,050
USAA $2,994 $3,168

The Best Cheap Car Insurance Companies in Hereford, CO

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

Average Annual Car Insurance Rates by Company in Hereford, Colorado

Insurance Company Average Annual Rates
Allstate $5,229
American Family $3,615
Farmers $5,289
GEICO $3,475
Liberty Mutual $2,768
Nationwide $4,041
Progressive $3,824
State Farm $2,975
USAA $3,081

Category Winners: Cheapest Car Insurance in Hereford, Colorado

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

Best Annual Car Insurance Rates by Company in Hereford, Colorado

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

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Cheapest Hereford, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hereford, Colorado

Insurance Company Low Medium High
Allstate $4,950 $5,212 $5,526
American Family $3,434 $3,690 $3,722
Farmers $4,670 $5,216 $5,980
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,614 $2,758 $2,933
Nationwide $4,103 $4,041 $3,980
Progressive $3,570 $3,834 $4,068
State Farm $2,759 $2,978 $3,188
USAA $2,936 $3,081 $3,226

Compare Car Insurance Quotes in Hereford, CO

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

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