Compare Otis, CO Car Insurance Rates (2021)

Car insurance in Otis, CO averages $325 a month. Otis, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Otis car insurance rates, compare quotes from the top car insurance companies in Otis, 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

  • Average car insurance rates in Otis, CO are $3,906/year
  • The cheapest car insurance company in Otis is Liberty Mutual
  • Average car insurance rates in Otis, CO after a DUI are $4,642/year

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

You’ll find Otis car insurance rates, the cheapest Otis, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Otis, Colorado car insurance rates to Denver car insurance rates, Pueblo car insurance rates, and Greeley car insurance rates.

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

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

How do age, gender, and marital status affect Otis, CO car insurance rates? Every Otis, 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 Otis, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,098 $3,088 $2,812 $3,000 $10,952 $11,090 $3,405 $3,487
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,747 $1,713 $1,491 $1,636 $4,875 $5,298 $1,759 $1,773
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,945 $2,776 $2,473 $2,493 $8,966 $10,035 $3,340 $3,267
State Farm $2,065 $2,065 $1,821 $1,821 $5,478 $7,020 $2,294 $2,694
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

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Minimum Car Insurance in Otis, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Otis, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $5,952 $4,815 $4,582
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,629 $2,214 $1,767
Nationwide $4,899 $3,858 $3,367
Progressive $5,215 $4,395 $4,001
State Farm $4,388 $2,816 $2,268
USAA $5,346 $3,014 $2,405

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

Annual Otis, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,343 $5,534 $5,453 $5,136
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,215 $2,600 $2,708 $2,623
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,957 $5,360 $4,181 $4,650
State Farm $2,940 $3,375 $3,157 $3,157
USAA $2,644 $3,195 $5,527 $2,989

Cheapest Otis, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otis, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $10,952 $11,090
GEICO $6,794 $7,203
Liberty Mutual $4,875 $5,298
Nationwide $6,746 $8,703
Progressive $8,966 $10,035
State Farm $5,478 $7,020
USAA $5,826 $6,723

Cheapest Otis, CO Car Insurance for Seniors

Take a look at Otis, 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 Otis, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,812 $3,000
GEICO $2,315 $2,572
Liberty Mutual $1,491 $1,636
Nationwide $2,404 $2,557
Progressive $2,473 $2,493
State Farm $1,821 $1,821
USAA $2,298 $2,340

Cheapest Otis, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otis, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,453
GEICO $4,295
Liberty Mutual $2,708
Nationwide $5,431
Progressive $4,181
State Farm $3,157
USAA $5,527

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Cheapest Otis, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otis, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $5,116 $5,116
GEICO $3,392 $3,557
Liberty Mutual $2,537 $2,537
Nationwide $4,041 $4,041
Progressive $4,537 $4,537
State Farm $3,080 $3,235
USAA $3,485 $3,692

The Best Cheap Car Insurance Companies in Otis, CO

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

Average Annual Car Insurance Rates by Company in Otis, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $5,116
GEICO $3,475
Liberty Mutual $2,537
Nationwide $4,041
Progressive $4,537
State Farm $3,157
USAA $3,589

Category Winners: Cheapest Car Insurance in Otis, Colorado

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

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

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

Annual Car Insurance Rates by Coverage Level in Otis, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,578 $5,054 $5,717
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,391 $2,526 $2,693
Nationwide $4,103 $4,041 $3,980
Progressive $4,297 $4,546 $4,767
State Farm $2,984 $3,158 $3,330
USAA $3,452 $3,588 $3,726

What affects car insurance rates in Otis, Colorado?

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

Commute Time in Otis

The more time you spend in your car the higher the risk of an accident. The average commute length in Otis, CO is 29.7 minutes according to City-Data.

Compare Car Insurance Quotes in Otis, CO

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

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Average Monthly Car Insurance Rates by State