Compare Ridgway, CO Car Insurance Rates (2021)

Car insurance in Ridgway, CO averages $306 a month. Ridgway, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Ridgway car insurance rates, compare quotes from the top car insurance companies in Ridgway, 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 Ridgway is Liberty Mutual
  • Average car insurance rates in Ridgway, CO are $3,667/year
  • Average car insurance rates in Ridgway, CO after a DUI are $4,353/year

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

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

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

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

How do age, gender, and marital status affect Ridgway, CO car insurance rates? Every Ridgway, 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 Ridgway, 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 $3,304 $3,095 $2,956 $2,990 $11,234 $11,765 $3,668 $3,707
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,963 $2,931 $2,701 $2,926 $10,738 $10,688 $3,224 $3,230
GEICO $1,843 $1,991 $1,885 $2,095 $5,626 $5,988 $1,701 $1,756
Liberty Mutual $1,955 $1,952 $1,638 $1,794 $5,411 $5,916 $1,983 $2,041
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,502 $2,338 $2,152 $2,148 $8,496 $9,530 $2,836 $2,766
State Farm $1,846 $1,846 $1,644 $1,644 $5,154 $6,538 $2,060 $2,442
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 Ridgway, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Ridgway, Colorado

Insurance Company Poor Fair Good
Allstate $6,814 $5,243 $3,964
American Family $4,610 $3,271 $2,742
Farmers $5,762 $4,623 $4,391
GEICO $3,437 $2,861 $2,284
Liberty Mutual $4,073 $2,466 $1,970
Nationwide $3,990 $3,154 $2,751
Progressive $4,656 $3,976 $3,656
State Farm $4,023 $2,584 $2,083
USAA $4,757 $2,700 $2,160

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

Annual Ridgway, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,561 $5,235 $6,402 $5,163
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,162 $5,344 $5,277 $4,918
GEICO $2,046 $3,141 $3,564 $2,691
Liberty Mutual $2,470 $2,901 $3,040 $2,935
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,556 $4,925 $3,754 $4,149
State Farm $2,677 $3,117 $2,897 $2,897
USAA $2,344 $2,849 $4,987 $2,642

Cheapest Ridgway, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ridgway, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,234 $11,765
American Family $5,867 $7,848
Farmers $10,738 $10,688
GEICO $5,626 $5,988
Liberty Mutual $5,411 $5,916
Nationwide $5,513 $7,064
Progressive $8,496 $9,530
State Farm $5,154 $6,538
USAA $5,325 $6,108

Cheapest Ridgway, CO Car Insurance for Seniors

Take a look at Ridgway, 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 Ridgway, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,956 $2,990
American Family $2,184 $2,184
Farmers $2,701 $2,926
GEICO $1,885 $2,095
Liberty Mutual $1,638 $1,794
Nationwide $1,977 $2,093
Progressive $2,152 $2,148
State Farm $1,644 $1,644
USAA $2,042 $2,056

Cheapest Ridgway, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ridgway, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,402
American Family $4,854
Farmers $5,277
GEICO $3,564
Liberty Mutual $3,040
Nationwide $4,398
Progressive $3,754
State Farm $2,897
USAA $4,987

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Cheapest Ridgway, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ridgway, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,340 $5,340
American Family $3,466 $3,616
Farmers $4,925 $4,925
GEICO $2,797 $2,925
Liberty Mutual $2,837 $2,837
Nationwide $3,298 $3,298
Progressive $4,096 $4,096
State Farm $2,827 $2,966
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in Ridgway, CO

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

Average Annual Car Insurance Rates by Company in Ridgway, Colorado

Insurance Company Average Annual Rates
Allstate $5,340
American Family $3,541
Farmers $4,925
GEICO $2,861
Liberty Mutual $2,837
Nationwide $3,298
Progressive $4,096
State Farm $2,897
USAA $3,206

Category Winners: Cheapest Car Insurance in Ridgway, Colorado

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

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

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

Annual Car Insurance Rates by Coverage Level in Ridgway, Colorado

Insurance Company Low Medium High
Allstate $5,080 $5,324 $5,617
American Family $3,372 $3,615 $3,636
Farmers $4,285 $4,852 $5,639
GEICO $2,656 $2,825 $3,100
Liberty Mutual $2,713 $2,829 $2,968
Nationwide $3,323 $3,295 $3,276
Progressive $3,855 $4,106 $4,328
State Farm $2,732 $2,897 $3,062
USAA $3,077 $3,205 $3,334

What affects car insurance rates in Ridgway, Colorado?

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

Commute Time in Ridgway

The more time you spend in your car the higher the risk of an accident. The average commute length in Ridgway, CO is 33.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ridgway, CO

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

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Average Monthly Car Insurance Rates by State