Compare Ouray, CO Car Insurance Rates (2021)

Car insurance in Ouray, CO averages $304 a month. Ouray, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Ouray car insurance rates, compare quotes from the top car insurance companies in Ouray, 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 Ouray is Liberty Mutual
  • Average car insurance rates in Ouray, CO after a DUI are $4,340/year
  • Average car insurance rates in Ouray, CO are $3,653/year

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

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

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

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

How do age, gender, and marital status affect Ouray, CO car insurance rates? Every Ouray, 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 Ouray, 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 $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,962 $2,928 $2,701 $2,932 $10,698 $10,625 $3,214 $3,210
GEICO $1,843 $1,991 $1,885 $2,095 $5,626 $5,988 $1,701 $1,756
Liberty Mutual $1,951 $1,947 $1,635 $1,790 $5,385 $5,887 $1,978 $2,036
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,447 $2,290 $2,107 $2,105 $8,201 $9,186 $2,768 $2,699
State Farm $1,823 $1,823 $1,623 $1,623 $5,076 $6,439 $2,033 $2,412
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 Ouray, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Ouray, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,610 $3,271 $2,742
Farmers $5,749 $4,604 $4,373
GEICO $3,437 $2,861 $2,284
Liberty Mutual $4,058 $2,457 $1,963
Nationwide $3,990 $3,154 $2,751
Progressive $4,524 $3,858 $3,544
State Farm $3,967 $2,549 $2,054
USAA $4,757 $2,700 $2,160

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

Annual Ouray, 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 $2,619 $3,721 $4,854 $2,969
Farmers $4,149 $5,327 $5,261 $4,897
GEICO $2,046 $3,141 $3,564 $2,691
Liberty Mutual $2,461 $2,890 $3,029 $2,924
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,453 $4,777 $3,644 $4,028
State Farm $2,641 $3,072 $2,857 $2,857
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Ouray, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ouray, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,867 $7,848
Farmers $10,698 $10,625
GEICO $5,626 $5,988
Liberty Mutual $5,385 $5,887
Nationwide $5,513 $7,064
Progressive $8,201 $9,186
State Farm $5,076 $6,439
USAA $5,325 $6,108

Cheapest Ouray, CO Car Insurance for Seniors

Take a look at Ouray, 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 Ouray, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,184 $2,184
Farmers $2,701 $2,932
GEICO $1,885 $2,095
Liberty Mutual $1,635 $1,790
Nationwide $1,977 $2,093
Progressive $2,107 $2,105
State Farm $1,623 $1,623
USAA $2,042 $2,056

Cheapest Ouray, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ouray, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,854
Farmers $5,261
GEICO $3,564
Liberty Mutual $3,029
Nationwide $4,398
Progressive $3,644
State Farm $2,857
USAA $4,987

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Cheapest Ouray, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ouray, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,466 $3,616
Farmers $4,909 $4,909
GEICO $2,797 $2,925
Liberty Mutual $2,826 $2,826
Nationwide $3,298 $3,298
Progressive $3,975 $3,975
State Farm $2,788 $2,925
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in Ouray, CO

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

Average Annual Car Insurance Rates by Company in Ouray, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,541
Farmers $4,909
GEICO $2,861
Liberty Mutual $2,826
Nationwide $3,298
Progressive $3,975
State Farm $2,857
USAA $3,206

Category Winners: Cheapest Car Insurance in Ouray, Colorado

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

Best Annual Car Insurance Rates by Company in Ouray, Colorado

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

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Cheapest Ouray, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ouray, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,372 $3,615 $3,636
Farmers $4,254 $4,834 $5,638
GEICO $2,656 $2,825 $3,100
Liberty Mutual $2,702 $2,818 $2,958
Nationwide $3,323 $3,295 $3,276
Progressive $3,727 $3,986 $4,213
State Farm $2,697 $2,856 $3,017
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Ouray, Colorado?

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

Commute Time in Ouray

The more time you spend in your car the higher the risk of an accident. The average commute length in Ouray, CO is 17.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ouray, CO

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

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Average Monthly Car Insurance Rates by State