Compare Howard, CO Car Insurance Rates (2021)

Car insurance in Howard, CO averages $308 a month. Howard, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Howard car insurance rates, compare quotes from the top car insurance companies in Howard, CO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Howard for teen drivers is State Farm
  • Average car insurance rates in Howard, CO are $3,691/year
  • Average car insurance rates in Howard, CO after a DUI are $4,416/year

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

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

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

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

How do age, gender, and marital status affect Howard, CO car insurance rates? Every Howard, 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 Howard, 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 $3,387 $3,174 $3,030 $3,064 $11,501 $12,039 $3,764 $3,803
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $3,022 $2,997 $2,739 $2,946 $11,271 $11,360 $3,326 $3,373
GEICO $1,881 $2,054 $2,001 $2,276 $5,848 $6,167 $1,719 $1,742
Liberty Mutual $1,941 $1,910 $1,646 $1,805 $5,331 $5,806 $1,957 $1,987
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,305 $2,160 $1,993 $1,991 $7,677 $8,589 $2,602 $2,537
State Farm $1,685 $1,685 $1,506 $1,506 $4,759 $6,018 $1,882 $2,237
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Howard, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Howard, Colorado

Insurance Company Poor Fair Good
Allstate $6,983 $5,370 $4,058
American Family $4,610 $3,271 $2,742
Farmers $5,957 $4,835 $4,595
GEICO $3,559 $2,961 $2,363
Liberty Mutual $4,013 $2,436 $1,945
Nationwide $4,179 $3,306 $2,883
Progressive $4,248 $3,622 $3,325
State Farm $3,691 $2,374 $1,914
USAA $5,166 $2,924 $2,337

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

Annual Howard, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,675 $5,366 $6,552 $5,288
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,334 $5,563 $5,488 $5,131
GEICO $2,090 $3,256 $3,766 $2,731
Liberty Mutual $2,438 $2,866 $2,994 $2,894
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,242 $4,485 $3,420 $3,779
State Farm $2,453 $2,866 $2,660 $2,660
USAA $2,543 $3,088 $5,401 $2,871

Cheapest Howard, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Howard, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,501 $12,039
American Family $5,867 $7,848
Farmers $11,271 $11,360
GEICO $5,848 $6,167
Liberty Mutual $5,331 $5,806
Nationwide $5,787 $7,409
Progressive $7,677 $8,589
State Farm $4,759 $6,018
USAA $5,735 $6,602

Cheapest Howard, CO Car Insurance for Seniors

Take a look at Howard, 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 Howard, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,030 $3,064
American Family $2,184 $2,184
Farmers $2,739 $2,946
GEICO $2,001 $2,276
Liberty Mutual $1,646 $1,805
Nationwide $2,070 $2,189
Progressive $1,993 $1,991
State Farm $1,506 $1,506
USAA $2,214 $2,238

Cheapest Howard, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Howard, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,552
American Family $4,854
Farmers $5,488
GEICO $3,766
Liberty Mutual $2,994
Nationwide $4,607
Progressive $3,420
State Farm $2,660
USAA $5,401

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Howard, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Howard, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,470 $5,470
American Family $3,466 $3,616
Farmers $5,129 $5,129
GEICO $2,897 $3,025
Liberty Mutual $2,798 $2,798
Nationwide $3,456 $3,456
Progressive $3,732 $3,732
State Farm $2,596 $2,723
USAA $3,377 $3,575

The Best Cheap Car Insurance Companies in Howard, CO

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

Average Annual Car Insurance Rates by Company in Howard, Colorado

Insurance Company Average Annual Rates
Allstate $5,470
American Family $3,541
Farmers $5,129
GEICO $2,961
Liberty Mutual $2,798
Nationwide $3,456
Progressive $3,732
State Farm $2,660
USAA $3,476

Category Winners: Cheapest Car Insurance in Howard, Colorado

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

Best Annual Car Insurance Rates by Company in Howard, Colorado

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Howard, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Howard, Colorado

Insurance Company Low Medium High
Allstate $5,191 $5,453 $5,767
American Family $3,372 $3,615 $3,636
Farmers $4,532 $5,061 $5,795
GEICO $2,632 $2,898 $3,353
Liberty Mutual $2,647 $2,787 $2,960
Nationwide $3,455 $3,454 $3,458
Progressive $3,484 $3,742 $3,969
State Farm $2,506 $2,659 $2,814
USAA $3,336 $3,475 $3,616

What affects car insurance rates in Howard, Colorado?

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

Commute Time in Howard

The more time you spend in your car the higher the risk of an accident. The average commute length in Howard, CO is 26.6 minutes according to City-Data.

Compare Car Insurance Quotes in Howard, CO

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption