Compare Parker, CO Car Insurance Rates (2021)

Car insurance in Parker, CO averages $329 a month. Parker, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Parker car insurance rates, compare quotes from the top car insurance companies in Parker, 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 Parker, CO are $3,946/year
  • Average car insurance rates in Parker, CO after a DUI are $4,701/year
  • The cheapest car insurance company in Parker for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Parker, CO car insurance rates? Every Parker, 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 Parker, 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 $3,468 $3,223 $3,145 $3,174 $12,733 $13,407 $3,768 $3,762
American Family $2,527 $2,527 $2,280 $2,280 $6,118 $8,226 $2,527 $3,090
Farmers $2,885 $2,870 $2,607 $2,813 $11,202 $11,346 $3,169 $3,200
GEICO $1,955 $2,140 $2,119 $2,436 $6,175 $6,475 $1,780 $1,783
Liberty Mutual $2,023 $1,963 $1,731 $1,909 $6,261 $6,815 $2,035 $2,030
Nationwide $2,636 $2,683 $2,358 $2,492 $6,691 $8,563 $3,036 $3,280
Progressive $2,356 $2,201 $2,084 $2,071 $8,241 $9,189 $2,644 $2,562
State Farm $2,314 $2,314 $2,083 $2,083 $6,657 $8,455 $2,591 $3,055
USAA $2,117 $2,104 $2,030 $2,024 $5,387 $6,151 $2,716 $2,939

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Minimum Car Insurance in Parker, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Parker, Colorado

Insurance Company Poor Fair Good
Allstate $7,436 $5,744 $4,326
American Family $4,794 $3,422 $2,874
Farmers $5,804 $4,732 $4,498
GEICO $3,737 $3,108 $2,479
Liberty Mutual $4,413 $2,716 $2,158
Nationwide $4,797 $3,797 $3,308
Progressive $4,448 $3,808 $3,500
State Farm $5,132 $3,295 $2,655
USAA $4,693 $2,694 $2,165

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

Annual Parker, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,926 $5,713 $7,073 $5,628
American Family $2,735 $3,879 $5,073 $3,101
Farmers $4,238 $5,446 $5,368 $4,994
GEICO $2,175 $3,427 $4,000 $2,830
Liberty Mutual $2,716 $3,184 $3,288 $3,195
Nationwide $3,048 $4,170 $5,296 $3,356
Progressive $3,383 $4,787 $3,568 $3,935
State Farm $3,400 $3,989 $3,694 $3,694
USAA $2,324 $2,843 $4,950 $2,617

Cheapest Parker, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Parker, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,733 $13,407
American Family $6,118 $8,226
Farmers $11,202 $11,346
GEICO $6,175 $6,475
Liberty Mutual $6,261 $6,815
Nationwide $6,691 $8,563
Progressive $8,241 $9,189
State Farm $6,657 $8,455
USAA $5,387 $6,151

Cheapest Parker, CO Car Insurance for Seniors

Take a look at Parker, 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 Parker, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,145 $3,174
American Family $2,280 $2,280
Farmers $2,607 $2,813
GEICO $2,119 $2,436
Liberty Mutual $1,731 $1,909
Nationwide $2,358 $2,492
Progressive $2,084 $2,071
State Farm $2,083 $2,083
USAA $2,030 $2,024

Cheapest Parker, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Parker, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,073
American Family $5,073
Farmers $5,368
GEICO $4,000
Liberty Mutual $3,288
Nationwide $5,296
Progressive $3,568
State Farm $3,694
USAA $4,950

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Cheapest Parker, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Parker, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,835 $5,835
American Family $3,617 $3,777
Farmers $5,011 $5,011
GEICO $3,044 $3,172
Liberty Mutual $3,096 $3,096
Nationwide $3,967 $3,967
Progressive $3,918 $3,918
State Farm $3,601 $3,788
USAA $3,094 $3,273

The Best Cheap Car Insurance Companies in Parker, CO

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

Average Annual Car Insurance Rates by Company in Parker, Colorado

Insurance Company Average Annual Rates
Allstate $5,835
American Family $3,697
Farmers $5,011
GEICO $3,108
Liberty Mutual $3,096
Nationwide $3,967
Progressive $3,918
State Farm $3,694
USAA $3,184

Category Winners: Cheapest Car Insurance in Parker, Colorado

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

Best Annual Car Insurance Rates by Company in Parker, Colorado

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

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Cheapest Parker, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Parker, Colorado

Insurance Company Low Medium High
Allstate $5,496 $5,815 $6,194
American Family $3,493 $3,773 $3,825
Farmers $4,345 $4,931 $5,758
GEICO $2,715 $3,035 $3,573
Liberty Mutual $2,896 $3,084 $3,307
Nationwide $3,962 $3,971 $3,969
Progressive $3,561 $3,933 $4,262
State Farm $3,431 $3,698 $3,954
USAA $3,027 $3,184 $3,339

What affects car insurance rates in Parker, Colorado?

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

Commute Time in Parker

The more time you spend in your car the higher the risk of an accident. The average commute length in Parker, CO is 26.7 minutes according to City-Data.

Traffic in Parker

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Parker, CO traffic data from INRIX ranks Parker as the 952nd-most congested in the world.

Compare Car Insurance Quotes in Parker, CO

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

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Average Monthly Car Insurance Rates by State