Compare Pagosa Springs, CO Car Insurance Rates (2021)

Car insurance in Pagosa Springs, CO averages $309 a month. Pagosa Springs, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Pagosa Springs car insurance rates, compare quotes from the top car insurance companies in Pagosa Springs, 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 Pagosa Springs, CO are $3,709/year
  • The cheapest car insurance company in Pagosa Springs for teen drivers is Liberty Mutual
  • Average car insurance rates in Pagosa Springs, CO after a DUI are $4,389/year

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

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

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

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

How do age, gender, and marital status affect Pagosa Springs, CO car insurance rates? Every Pagosa Springs, 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 Pagosa Springs, 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 $2,674 $2,654 $2,425 $2,607 $9,924 $10,006 $2,944 $2,991
GEICO $1,828 $1,975 $1,868 $2,075 $5,566 $5,927 $1,687 $1,743
Liberty Mutual $1,894 $1,866 $1,607 $1,762 $5,240 $5,705 $1,910 $1,939
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,735 $2,559 $2,356 $2,353 $9,197 $10,308 $3,095 $3,017
State Farm $2,064 $2,064 $1,834 $1,834 $5,695 $7,252 $2,301 $2,719
USAA $2,287 $2,304 $2,162 $2,193 $5,518 $6,351 $2,950 $3,241

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Minimum Car Insurance in Pagosa Springs, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Pagosa Springs, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,264 $4,266 $4,055
GEICO $3,405 $2,834 $2,263
Liberty Mutual $3,929 $2,387 $1,905
Nationwide $3,990 $3,154 $2,751
Progressive $5,075 $4,320 $3,962
State Farm $4,477 $2,872 $2,313
USAA $5,019 $2,839 $2,269

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

Annual Pagosa Springs, 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 $3,827 $4,908 $4,843 $4,534
GEICO $2,029 $3,110 $3,527 $2,669
Liberty Mutual $2,389 $2,807 $2,930 $2,835
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,860 $5,364 $4,076 $4,510
State Farm $2,982 $3,459 $3,220 $3,220
USAA $2,485 $3,007 $5,206 $2,806

Cheapest Pagosa Springs, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pagosa Springs, 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 $9,924 $10,006
GEICO $5,566 $5,927
Liberty Mutual $5,240 $5,705
Nationwide $5,513 $7,064
Progressive $9,197 $10,308
State Farm $5,695 $7,252
USAA $5,518 $6,351

Cheapest Pagosa Springs, CO Car Insurance for Seniors

Take a look at Pagosa Springs, 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 Pagosa Springs, 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 $2,425 $2,607
GEICO $1,868 $2,075
Liberty Mutual $1,607 $1,762
Nationwide $1,977 $2,093
Progressive $2,356 $2,353
State Farm $1,834 $1,834
USAA $2,162 $2,193

Cheapest Pagosa Springs, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pagosa Springs, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $4,843
GEICO $3,527
Liberty Mutual $2,930
Nationwide $4,398
Progressive $4,076
State Farm $3,220
USAA $5,206

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Cheapest Pagosa Springs, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pagosa Springs, 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 $4,528 $4,528
GEICO $2,770 $2,898
Liberty Mutual $2,740 $2,740
Nationwide $3,298 $3,298
Progressive $4,452 $4,452
State Farm $3,142 $3,299
USAA $3,279 $3,472

The Best Cheap Car Insurance Companies in Pagosa Springs, CO

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

Average Annual Car Insurance Rates by Company in Pagosa Springs, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,528
GEICO $2,834
Liberty Mutual $2,740
Nationwide $3,298
Progressive $4,452
State Farm $3,220
USAA $3,376

Category Winners: Cheapest Car Insurance in Pagosa Springs, Colorado

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

Best Annual Car Insurance Rates by Company in Pagosa Springs, Colorado

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

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Cheapest Pagosa Springs, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Pagosa Springs, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $3,995 $4,466 $5,123
GEICO $2,632 $2,798 $3,072
Liberty Mutual $2,594 $2,730 $2,898
Nationwide $3,323 $3,295 $3,276
Progressive $4,151 $4,464 $4,743
State Farm $3,037 $3,222 $3,403
USAA $3,243 $3,375 $3,509

What affects car insurance rates in Pagosa Springs, Colorado?

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

Commute Time in Pagosa Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Pagosa Springs, CO is 9.7 minutes according to City-Data.

Compare Car Insurance Quotes in Pagosa Springs, CO

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

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Average Monthly Car Insurance Rates by State