Compare Ophir, CO Car Insurance Rates (2021)

Car insurance in Ophir, CO averages $309 a month. Ophir, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Ophir car insurance rates, compare quotes from the top car insurance companies in Ophir, 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 Ophir is Liberty Mutual
  • The cheapest car insurance company in Ophir for teen drivers is Liberty Mutual
  • Average car insurance rates in Ophir, CO after a DUI are $4,399/year

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

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

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

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

How do age, gender, and marital status affect Ophir, CO car insurance rates? Every Ophir, 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 Ophir, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $2,903 $2,873 $2,628 $2,833 $11,099 $11,181 $3,206 $3,247
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $1,951 $1,947 $1,635 $1,790 $5,385 $5,887 $1,978 $2,036
Nationwide $2,342 $2,393 $2,090 $2,217 $5,853 $7,521 $2,684 $2,907
Progressive $2,467 $2,308 $2,124 $2,121 $8,299 $9,307 $2,793 $2,726
State Farm $1,928 $1,928 $1,720 $1,720 $5,412 $6,871 $2,152 $2,549
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

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Minimum Car Insurance in Ophir, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Ophir, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,796 $4,715 $4,478
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,058 $2,457 $1,963
Nationwide $4,239 $3,346 $2,918
Progressive $4,572 $3,899 $3,582
State Farm $4,217 $2,707 $2,181
USAA $4,757 $2,700 $2,160

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

Annual Ophir, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $4,212 $5,424 $5,353 $4,997
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,461 $2,890 $3,029 $2,924
Nationwide $2,683 $3,679 $4,683 $2,958
Progressive $3,490 $4,828 $3,683 $4,071
State Farm $2,803 $3,267 $3,035 $3,035
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Ophir, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ophir, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $11,099 $11,181
GEICO $5,555 $5,909
Liberty Mutual $5,385 $5,887
Nationwide $5,853 $7,521
Progressive $8,299 $9,307
State Farm $5,412 $6,871
USAA $5,325 $6,108

Cheapest Ophir, CO Car Insurance for Seniors

Take a look at Ophir, 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 Ophir, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,628 $2,833
GEICO $1,866 $2,072
Liberty Mutual $1,635 $1,790
Nationwide $2,090 $2,217
Progressive $2,124 $2,121
State Farm $1,720 $1,720
USAA $2,042 $2,056

Cheapest Ophir, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ophir, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $5,353
GEICO $3,517
Liberty Mutual $3,029
Nationwide $4,683
Progressive $3,683
State Farm $3,035
USAA $4,987

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Cheapest Ophir, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ophir, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $4,996 $4,996
GEICO $2,763 $2,890
Liberty Mutual $2,826 $2,826
Nationwide $3,501 $3,501
Progressive $4,018 $4,018
State Farm $2,961 $3,109
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in Ophir, CO

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

Average Annual Car Insurance Rates by Company in Ophir, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,996
GEICO $2,827
Liberty Mutual $2,826
Nationwide $3,501
Progressive $4,018
State Farm $3,035
USAA $3,206

Category Winners: Cheapest Car Insurance in Ophir, Colorado

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

Best Annual Car Insurance Rates by Company in Ophir, Colorado

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

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Cheapest Ophir, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ophir, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $4,404 $4,928 $5,657
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,702 $2,818 $2,958
Nationwide $3,554 $3,498 $3,451
Progressive $3,772 $4,028 $4,255
State Farm $2,854 $3,036 $3,215
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Ophir, Colorado?

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

Commute Time in Ophir

The more time you spend in your car the higher the risk of an accident. The average commute length in Ophir, CO is 29.5 minutes according to City-Data.

Compare Car Insurance Quotes in Ophir, CO

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

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Average Monthly Car Insurance Rates by State