Compare Idaho Springs, CO Car Insurance Rates (2021)

Car insurance in Idaho Springs, CO averages $350 a month. Idaho Springs, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Idaho Springs car insurance rates, compare quotes from the top car insurance companies in Idaho Springs, CO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Idaho Springs for teen drivers is GEICO
  • Average car insurance rates in Idaho Springs, CO are $4,194/year
  • The cheapest car insurance company in Idaho Springs is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Idaho Springs, CO car insurance rates? Every Idaho Springs, 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 Idaho Springs, 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 $3,671 $3,425 $3,290 $3,327 $12,892 $13,512 $4,054 $4,086
American Family $2,736 $2,736 $2,465 $2,465 $6,640 $8,899 $2,736 $3,357
Farmers $3,228 $3,197 $2,925 $3,154 $12,179 $12,255 $3,554 $3,596
GEICO $2,002 $2,196 $2,123 $2,411 $6,280 $6,658 $1,830 $1,866
Liberty Mutual $2,024 $1,974 $1,717 $1,891 $6,511 $7,105 $2,051 $2,072
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,739 $2,552 $2,378 $2,367 $9,638 $10,807 $3,100 $3,016
State Farm $2,534 $2,534 $2,255 $2,255 $7,079 $8,986 $2,829 $3,356
USAA $2,523 $2,525 $2,395 $2,403 $6,387 $7,327 $3,257 $3,553

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Minimum Car Insurance in Idaho Springs, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Idaho Springs, Colorado

Insurance Company Poor Fair Good
Allstate $7,699 $5,926 $4,471
American Family $5,211 $3,700 $3,101
Farmers $6,402 $5,195 $4,936
GEICO $3,813 $3,171 $2,528
Liberty Mutual $4,529 $2,775 $2,200
Nationwide $4,245 $3,363 $2,929
Progressive $5,192 $4,442 $4,089
State Farm $5,530 $3,548 $2,857
USAA $5,636 $3,197 $2,555

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

Annual Idaho Springs, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,123 $5,907 $7,274 $5,826
American Family $2,965 $4,189 $5,501 $3,362
Farmers $4,651 $5,981 $5,902 $5,510
GEICO $2,235 $3,472 $4,054 $2,922
Liberty Mutual $2,784 $3,251 $3,362 $3,275
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,956 $5,552 $4,177 $4,614
State Farm $3,677 $4,280 $3,978 $3,978
USAA $2,754 $3,367 $5,954 $3,110

Cheapest Idaho Springs, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Idaho Springs, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,892 $13,512
American Family $6,640 $8,899
Farmers $12,179 $12,255
GEICO $6,280 $6,658
Liberty Mutual $6,511 $7,105
Nationwide $5,929 $7,587
Progressive $9,638 $10,807
State Farm $7,079 $8,986
USAA $6,387 $7,327

Cheapest Idaho Springs, CO Car Insurance for Seniors

Take a look at Idaho Springs, 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 Idaho Springs, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,290 $3,327
American Family $2,465 $2,465
Farmers $2,925 $3,154
GEICO $2,123 $2,411
Liberty Mutual $1,717 $1,891
Nationwide $2,085 $2,204
Progressive $2,378 $2,367
State Farm $2,255 $2,255
USAA $2,395 $2,403

Cheapest Idaho Springs, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Idaho Springs, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,274
American Family $5,501
Farmers $5,902
GEICO $4,054
Liberty Mutual $3,362
Nationwide $4,685
Progressive $4,177
State Farm $3,978
USAA $5,954

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Cheapest Idaho Springs, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Idaho Springs, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,032 $6,032
American Family $3,918 $4,090
Farmers $5,511 $5,511
GEICO $3,104 $3,238
Liberty Mutual $3,168 $3,168
Nationwide $3,512 $3,512
Progressive $4,574 $4,574
State Farm $3,883 $4,074
USAA $3,687 $3,905

The Best Cheap Car Insurance Companies in Idaho Springs, CO

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

Average Annual Car Insurance Rates by Company in Idaho Springs, Colorado

Insurance Company Average Annual Rates
Allstate $6,032
American Family $4,004
Farmers $5,511
GEICO $3,171
Liberty Mutual $3,168
Nationwide $3,512
Progressive $4,574
State Farm $3,978
USAA $3,796

Category Winners: Cheapest Car Insurance in Idaho Springs, Colorado

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

Best Annual Car Insurance Rates by Company in Idaho Springs, Colorado

Category Insurance Company
Teenagers GEICO
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 Idaho Springs, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Idaho Springs, Colorado

Insurance Company Low Medium High
Allstate $5,732 $6,014 $6,351
American Family $3,808 $4,086 $4,118
Farmers $4,851 $5,435 $6,247
GEICO $2,850 $3,109 $3,553
Liberty Mutual $2,990 $3,157 $3,358
Nationwide $3,535 $3,511 $3,491
Progressive $4,256 $4,587 $4,881
State Farm $3,759 $3,979 $4,197
USAA $3,643 $3,796 $3,949

What affects car insurance rates in Idaho Springs, Colorado?

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

Commute Time in Idaho Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Idaho Springs, CO is 24.4 minutes according to City-Data.

Compare Car Insurance Quotes in Idaho Springs, CO

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

Free Car Insurance Comparison

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

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