Compare Johnstown, CO Car Insurance Rates (2021)

Car insurance in Johnstown, CO averages $296 a month. Johnstown, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Johnstown car insurance rates, compare quotes from the top car insurance companies in Johnstown, 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 Johnstown, CO after a DUI are $4,218/year
  • Average car insurance rates in Johnstown, CO are $3,552/year
  • The cheapest car insurance company in Johnstown for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Johnstown, CO car insurance rates? Every Johnstown, 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 Johnstown, 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 $3,238 $3,036 $2,915 $2,945 $11,144 $11,714 $3,577 $3,595
American Family $2,450 $2,450 $2,212 $2,212 $5,928 $7,971 $2,450 $2,996
Farmers $2,817 $2,793 $2,551 $2,752 $10,713 $10,797 $3,096 $3,127
GEICO $1,602 $1,753 $1,723 $1,972 $5,036 $5,295 $1,463 $1,473
Liberty Mutual $1,564 $1,457 $1,331 $1,471 $4,961 $5,425 $1,579 $1,588
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,283 $2,139 $2,009 $2,001 $7,757 $8,646 $2,562 $2,487
State Farm $2,025 $2,025 $1,820 $1,820 $5,860 $7,427 $2,268 $2,687
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

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Minimum Car Insurance in Johnstown, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Johnstown, Colorado

Insurance Company Poor Fair Good
Allstate $6,719 $5,180 $3,911
American Family $4,646 $3,318 $2,787
Farmers $5,607 $4,556 $4,329
GEICO $3,048 $2,540 $2,031
Liberty Mutual $3,443 $2,128 $1,695
Nationwide $4,099 $3,254 $2,838
Progressive $4,249 $3,628 $3,329
State Farm $4,506 $2,891 $2,328
USAA $4,339 $2,489 $2,000

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

Annual Johnstown, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,505 $5,177 $6,306 $5,094
American Family $2,651 $3,764 $4,915 $3,005
Farmers $4,080 $5,246 $5,174 $4,823
GEICO $1,786 $2,798 $3,255 $2,319
Liberty Mutual $2,133 $2,489 $2,566 $2,500
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,232 $4,538 $3,409 $3,762
State Farm $2,981 $3,502 $3,241 $3,241
USAA $2,153 $2,627 $4,570 $2,423

Cheapest Johnstown, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Johnstown, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,144 $11,714
American Family $5,928 $7,971
Farmers $10,713 $10,797
GEICO $5,036 $5,295
Liberty Mutual $4,961 $5,425
Nationwide $5,724 $7,310
Progressive $7,757 $8,646
State Farm $5,860 $7,427
USAA $4,952 $5,658

Cheapest Johnstown, CO Car Insurance for Seniors

Take a look at Johnstown, 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 Johnstown, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,945
American Family $2,212 $2,212
Farmers $2,551 $2,752
GEICO $1,723 $1,972
Liberty Mutual $1,331 $1,471
Nationwide $2,028 $2,139
Progressive $2,009 $2,001
State Farm $1,820 $1,820
USAA $1,883 $1,880

Cheapest Johnstown, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Johnstown, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,306
American Family $4,915
Farmers $5,174
GEICO $3,255
Liberty Mutual $2,566
Nationwide $4,523
Progressive $3,409
State Farm $3,241
USAA $4,570

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Cheapest Johnstown, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Johnstown, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,270 $5,270
American Family $3,507 $3,661
Farmers $4,831 $4,831
GEICO $2,488 $2,592
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,735 $3,735
State Farm $3,161 $3,322
USAA $2,861 $3,026

The Best Cheap Car Insurance Companies in Johnstown, CO

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

Average Annual Car Insurance Rates by Company in Johnstown, Colorado

Insurance Company Average Annual Rates
Allstate $5,270
American Family $3,584
Farmers $4,831
GEICO $2,540
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,735
State Farm $3,241
USAA $2,943

Category Winners: Cheapest Car Insurance in Johnstown, Colorado

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

Best Annual Car Insurance Rates by Company in Johnstown, 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 Johnstown, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Johnstown, Colorado

Insurance Company Low Medium High
Allstate $4,973 $5,252 $5,586
American Family $3,388 $3,658 $3,705
Farmers $4,229 $4,761 $5,503
GEICO $2,243 $2,485 $2,891
Liberty Mutual $2,256 $2,411 $2,599
Nationwide $3,381 $3,402 $3,409
Progressive $3,407 $3,748 $4,051
State Farm $3,026 $3,245 $3,454
USAA $2,802 $2,943 $3,085

What affects car insurance rates in Johnstown, Colorado?

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

Commute Time in Johnstown

The more time you spend in your car the higher the risk of an accident. The average commute length in Johnstown, CO is 29.3 minutes according to City-Data.

Compare Car Insurance Quotes in Johnstown, CO

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

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