Compare Orchard, CO Car Insurance Rates (2021)

Car insurance in Orchard, CO averages $328 a month. Orchard, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Orchard car insurance rates, compare quotes from the top car insurance companies in Orchard, CO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

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

  • Average car insurance rates in Orchard, CO are $3,933/year
  • The cheapest car insurance company in Orchard for teen drivers is Liberty Mutual
  • Average car insurance rates in Orchard, CO after a DUI are $4,690/year

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

You’ll find Orchard car insurance rates, the cheapest Orchard, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Orchard, Colorado car insurance rates to Denver car insurance rates, Boulder car insurance rates, and Arvada car insurance rates.

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

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

How do age, gender, and marital status affect Orchard, CO car insurance rates? Every Orchard, 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 Orchard, 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 $3,294 $3,088 $2,962 $2,993 $11,326 $11,919 $3,642 $3,665
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,254 $3,229 $2,943 $3,152 $12,134 $12,286 $3,594 $3,665
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,803 $1,747 $1,533 $1,684 $5,188 $5,652 $1,818 $1,839
Nationwide $2,847 $2,907 $2,537 $2,693 $7,160 $9,216 $3,269 $3,545
Progressive $2,430 $2,279 $2,108 $2,105 $8,063 $9,016 $2,739 $2,668
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

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 Orchard, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Orchard, Colorado

Insurance Company Poor Fair Good
Allstate $6,834 $5,270 $3,980
American Family $4,704 $3,340 $2,802
Farmers $6,408 $5,223 $4,966
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,804 $2,320 $1,850
Nationwide $5,176 $4,081 $3,558
Progressive $4,477 $3,810 $3,491
State Farm $4,228 $2,714 $2,187
USAA $5,230 $2,954 $2,359

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

Annual Orchard, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,581 $5,262 $6,419 $5,182
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,678 $5,998 $5,912 $5,541
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,324 $2,725 $2,834 $2,749
Nationwide $3,262 $4,492 $5,732 $3,601
Progressive $3,406 $4,731 $3,594 $3,973
State Farm $2,825 $3,261 $3,043 $3,043
USAA $2,584 $3,128 $5,426 $2,919

Cheapest Orchard, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Orchard, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,326 $11,919
American Family $5,988 $8,011
Farmers $12,134 $12,286
GEICO $6,794 $7,203
Liberty Mutual $5,188 $5,652
Nationwide $7,160 $9,216
Progressive $8,063 $9,016
State Farm $5,334 $6,808
USAA $5,738 $6,613

Cheapest Orchard, CO Car Insurance for Seniors

Take a look at Orchard, 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 Orchard, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,962 $2,993
American Family $2,230 $2,230
Farmers $2,943 $3,152
GEICO $2,315 $2,572
Liberty Mutual $1,533 $1,684
Nationwide $2,537 $2,693
Progressive $2,108 $2,105
State Farm $1,744 $1,744
USAA $2,247 $2,282

Cheapest Orchard, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Orchard, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,419
American Family $4,955
Farmers $5,912
GEICO $4,295
Liberty Mutual $2,834
Nationwide $5,732
Progressive $3,594
State Farm $3,043
USAA $5,426

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Orchard, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Orchard, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,361 $5,361
American Family $3,538 $3,692
Farmers $5,532 $5,532
GEICO $3,392 $3,557
Liberty Mutual $2,658 $2,658
Nationwide $4,272 $4,272
Progressive $3,926 $3,926
State Farm $2,969 $3,117
USAA $3,413 $3,615

The Best Cheap Car Insurance Companies in Orchard, CO

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

Average Annual Car Insurance Rates by Company in Orchard, Colorado

Insurance Company Average Annual Rates
Allstate $5,361
American Family $3,615
Farmers $5,532
GEICO $3,475
Liberty Mutual $2,658
Nationwide $4,272
Progressive $3,926
State Farm $3,043
USAA $3,514

Category Winners: Cheapest Car Insurance in Orchard, Colorado

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

Best Annual Car Insurance Rates by Company in Orchard, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Orchard, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Orchard, Colorado

Insurance Company Low Medium High
Allstate $5,082 $5,344 $5,658
American Family $3,434 $3,690 $3,722
Farmers $4,939 $5,465 $6,192
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,502 $2,646 $2,825
Nationwide $4,310 $4,274 $4,232
Progressive $3,632 $3,937 $4,209
State Farm $2,872 $3,043 $3,214
USAA $3,378 $3,514 $3,651

What affects car insurance rates in Orchard, Colorado?

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

Commute Time in Orchard

The more time you spend in your car the higher the risk of an accident. The average commute length in Orchard, CO is 31.7 minutes according to City-Data.

Compare Car Insurance Quotes in Orchard, CO

Ready to find affordable Orchard, Colorado car insurance today? Enter your ZIP code for fast, free Orchard, 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

Average Monthly Car Insurance Rates by State