Compare Merino, CO Car Insurance Rates (2021)

Car insurance in Merino, CO averages $331 a month. Merino, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Merino car insurance rates, compare quotes from the top car insurance companies in Merino, 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 Merino is Liberty Mutual
  • The cheapest car insurance company in Merino for teen drivers is Liberty Mutual
  • Average car insurance rates in Merino, CO are $3,974/year

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

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

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

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

How do age, gender, and marital status affect Merino, CO car insurance rates? Every Merino, 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 Merino, 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 $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,344 $3,332 $3,028 $3,228 $12,084 $12,271 $3,695 $3,795
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,758 $1,724 $1,500 $1,645 $4,936 $5,368 $1,770 $1,785
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $3,013 $2,837 $2,533 $2,552 $9,275 $10,381 $3,417 $3,341
State Farm $1,969 $1,969 $1,744 $1,744 $5,334 $6,808 $2,192 $2,583
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

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Minimum Car Insurance in Merino, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Merino, Colorado

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,704 $3,340 $2,802
Farmers $6,496 $5,275 $5,020
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,662 $2,236 $1,785
Nationwide $4,899 $3,858 $3,367
Progressive $5,362 $4,523 $4,120
State Farm $4,228 $2,714 $2,187
USAA $5,230 $2,954 $2,359

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

Annual Merino, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,743 $6,055 $5,969 $5,622
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,237 $2,626 $2,733 $2,647
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $4,068 $5,527 $4,298 $4,781
State Farm $2,825 $3,261 $3,043 $3,043
USAA $2,584 $3,128 $5,426 $2,919

Cheapest Merino, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Merino, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,988 $8,011
Farmers $12,084 $12,271
GEICO $6,794 $7,203
Liberty Mutual $4,936 $5,368
Nationwide $6,746 $8,703
Progressive $9,275 $10,381
State Farm $5,334 $6,808
USAA $5,738 $6,613

Cheapest Merino, CO Car Insurance for Seniors

Take a look at Merino, 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 Merino, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,230 $2,230
Farmers $3,028 $3,228
GEICO $2,315 $2,572
Liberty Mutual $1,500 $1,645
Nationwide $2,404 $2,557
Progressive $2,533 $2,552
State Farm $1,744 $1,744
USAA $2,247 $2,282

Cheapest Merino, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Merino, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,277
American Family $4,955
Farmers $5,969
GEICO $4,295
Liberty Mutual $2,733
Nationwide $5,431
Progressive $4,298
State Farm $3,043
USAA $5,426

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Cheapest Merino, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Merino, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,538 $3,692
Farmers $5,597 $5,597
GEICO $3,392 $3,557
Liberty Mutual $2,561 $2,561
Nationwide $4,041 $4,041
Progressive $4,669 $4,669
State Farm $2,969 $3,117
USAA $3,413 $3,615

The Best Cheap Car Insurance Companies in Merino, CO

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

Average Annual Car Insurance Rates by Company in Merino, Colorado

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,615
Farmers $5,597
GEICO $3,475
Liberty Mutual $2,561
Nationwide $4,041
Progressive $4,669
State Farm $3,043
USAA $3,514

Category Winners: Cheapest Car Insurance in Merino, Colorado

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

Best Annual Car Insurance Rates by Company in Merino, Colorado

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

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Cheapest Merino, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Merino, Colorado

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,434 $3,690 $3,722
Farmers $5,022 $5,530 $6,240
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,414 $2,550 $2,718
Nationwide $4,103 $4,041 $3,980
Progressive $4,417 $4,679 $4,910
State Farm $2,872 $3,043 $3,214
USAA $3,378 $3,514 $3,651

What affects car insurance rates in Merino, Colorado?

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

Commute Time in Merino

The more time you spend in your car the higher the risk of an accident. The average commute length in Merino, CO is 27.2 minutes according to City-Data.

Compare Car Insurance Quotes in Merino, CO

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

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Average Monthly Car Insurance Rates by State