Compare Paonia, CO Car Insurance Rates (2021)

Car insurance in Paonia, CO averages $299 a month. Paonia, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Paonia car insurance rates, compare quotes from the top car insurance companies in Paonia, 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 Paonia, CO are $3,589/year
  • The cheapest car insurance company in Paonia for teen drivers is GEICO
  • Average car insurance rates in Paonia, CO after a DUI are $4,270/year

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

You’ll find Paonia car insurance rates, the cheapest Paonia, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Paonia, Colorado car insurance rates to Boulder car insurance rates, Aurora car insurance rates, and Pueblo car insurance rates.

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

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

How do age, gender, and marital status affect Paonia, CO car insurance rates? Every Paonia, 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 Paonia, 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 $3,318 $3,093 $2,971 $3,005 $11,576 $12,124 $3,661 $3,700
American Family $2,424 $2,424 $2,188 $2,188 $5,878 $7,883 $2,424 $2,977
Farmers $2,788 $2,760 $2,536 $2,737 $10,176 $10,180 $3,052 $3,080
GEICO $1,636 $1,789 $1,699 $1,903 $5,113 $5,459 $1,505 $1,552
Liberty Mutual $1,947 $1,940 $1,636 $1,792 $5,502 $6,008 $1,975 $2,027
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,529 $2,367 $2,177 $2,174 $8,459 $9,487 $2,861 $2,793
State Farm $1,785 $1,785 $1,600 $1,600 $5,104 $6,457 $1,996 $2,372
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 Paonia, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Paonia, Colorado

Insurance Company Poor Fair Good
Allstate $6,926 $5,334 $4,034
American Family $4,613 $3,282 $2,750
Farmers $5,441 $4,385 $4,166
GEICO $3,099 $2,582 $2,065
Liberty Mutual $4,097 $2,483 $1,980
Nationwide $3,706 $2,939 $2,563
Progressive $4,677 $3,984 $3,656
State Farm $3,940 $2,532 $2,041
USAA $4,757 $2,700 $2,160

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

Annual Paonia, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,607 $5,307 $6,563 $5,247
American Family $2,623 $3,729 $4,868 $2,974
Farmers $3,940 $5,057 $4,993 $4,665
GEICO $1,834 $2,822 $3,278 $2,394
Liberty Mutual $2,489 $2,919 $3,053 $2,953
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,565 $4,934 $3,763 $4,161
State Farm $2,613 $3,062 $2,838 $2,838
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Paonia, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Paonia, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,576 $12,124
American Family $5,878 $7,883
Farmers $10,176 $10,180
GEICO $5,113 $5,459
Liberty Mutual $5,502 $6,008
Nationwide $5,148 $6,579
Progressive $8,459 $9,487
State Farm $5,104 $6,457
USAA $5,325 $6,108

Cheapest Paonia, CO Car Insurance for Seniors

Take a look at Paonia, 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 Paonia, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,971 $3,005
American Family $2,188 $2,188
Farmers $2,536 $2,737
GEICO $1,699 $1,903
Liberty Mutual $1,636 $1,792
Nationwide $1,839 $1,943
Progressive $2,177 $2,174
State Farm $1,600 $1,600
USAA $2,042 $2,056

Cheapest Paonia, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Paonia, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,563
American Family $4,868
Farmers $4,993
GEICO $3,278
Liberty Mutual $3,053
Nationwide $4,083
Progressive $3,763
State Farm $2,838
USAA $4,987

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Cheapest Paonia, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Paonia, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,431 $5,431
American Family $3,472 $3,624
Farmers $4,664 $4,664
GEICO $2,529 $2,635
Liberty Mutual $2,854 $2,854
Nationwide $3,069 $3,069
Progressive $4,106 $4,106
State Farm $2,769 $2,906
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in Paonia, CO

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

Average Annual Car Insurance Rates by Company in Paonia, Colorado

Insurance Company Average Annual Rates
Allstate $5,431
American Family $3,548
Farmers $4,664
GEICO $2,582
Liberty Mutual $2,854
Nationwide $3,069
Progressive $4,106
State Farm $2,838
USAA $3,206

Category Winners: Cheapest Car Insurance in Paonia, Colorado

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

Best Annual Car Insurance Rates by Company in Paonia, Colorado

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

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Cheapest Paonia, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Paonia, Colorado

Insurance Company Low Medium High
Allstate $5,199 $5,416 $5,678
American Family $3,381 $3,622 $3,642
Farmers $4,099 $4,599 $5,293
GEICO $2,396 $2,550 $2,800
Liberty Mutual $2,725 $2,845 $2,991
Nationwide $3,080 $3,067 $3,061
Progressive $3,844 $4,115 $4,358
State Farm $2,663 $2,838 $3,011
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Paonia, Colorado?

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

Commute Time in Paonia

The more time you spend in your car the higher the risk of an accident. The average commute length in Paonia, CO is 26.8 minutes according to City-Data.

Compare Car Insurance Quotes in Paonia, CO

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

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Average Monthly Car Insurance Rates by State