Compare Steamboat Springs, CO Car Insurance Rates (2021)

Car insurance in Steamboat Springs, CO averages $313 a month. Steamboat Springs, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Steamboat Springs car insurance rates, compare quotes from the top car insurance companies in Steamboat 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

  • The cheapest car insurance company in Steamboat Springs for teen drivers is GEICO
  • The cheapest car insurance company in Steamboat Springs is GEICO
  • Average car insurance rates in Steamboat Springs, CO after a DUI are $4,468/year

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

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

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

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

How do age, gender, and marital status affect Steamboat Springs, CO car insurance rates? Every Steamboat 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 Steamboat 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 $3,702 $3,456 $3,315 $3,352 $12,998 $13,655 $4,095 $4,130
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,786 $2,764 $2,525 $2,709 $10,253 $10,347 $3,068 $3,122
GEICO $1,667 $1,820 $1,727 $1,930 $5,193 $5,544 $1,535 $1,584
Liberty Mutual $1,893 $1,898 $1,588 $1,740 $5,414 $5,918 $1,922 $1,975
Nationwide $2,289 $2,336 $2,045 $2,165 $5,796 $7,423 $2,632 $2,845
Progressive $2,416 $2,257 $2,094 $2,088 $8,285 $9,272 $2,730 $2,657
State Farm $2,067 $2,067 $1,844 $1,844 $5,872 $7,428 $2,311 $2,754
USAA $2,156 $2,164 $2,044 $2,059 $5,334 $6,117 $2,774 $3,030

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Minimum Car Insurance in Steamboat Springs, CO

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,764 $5,984 $4,515
American Family $4,787 $3,396 $2,842
Farmers $5,453 $4,428 $4,210
GEICO $3,152 $2,625 $2,099
Liberty Mutual $4,004 $2,434 $1,942
Nationwide $4,162 $3,293 $2,869
Progressive $4,514 $3,860 $3,551
State Farm $4,551 $2,919 $2,350
USAA $4,763 $2,704 $2,163

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

Annual Steamboat Springs, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,173 $5,961 $7,337 $5,880
American Family $2,716 $3,857 $5,047 $3,081
Farmers $3,972 $5,091 $5,020 $4,704
GEICO $1,867 $2,870 $3,323 $2,441
Liberty Mutual $2,438 $2,858 $2,989 $2,889
Nationwide $2,645 $3,616 $4,592 $2,912
Progressive $3,447 $4,800 $3,637 $4,016
State Farm $3,018 $3,529 $3,274 $3,274
USAA $2,347 $2,853 $4,994 $2,646

Cheapest Steamboat Springs, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Steamboat Springs, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,998 $13,655
American Family $6,096 $8,166
Farmers $10,253 $10,347
GEICO $5,193 $5,544
Liberty Mutual $5,414 $5,918
Nationwide $5,796 $7,423
Progressive $8,285 $9,272
State Farm $5,872 $7,428
USAA $5,334 $6,117

Cheapest Steamboat Springs, CO Car Insurance for Seniors

Take a look at Steamboat 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 Steamboat Springs, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,315 $3,352
American Family $2,263 $2,263
Farmers $2,525 $2,709
GEICO $1,727 $1,930
Liberty Mutual $1,588 $1,740
Nationwide $2,045 $2,165
Progressive $2,094 $2,088
State Farm $1,844 $1,844
USAA $2,044 $2,059

Cheapest Steamboat Springs, CO Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,337
American Family $5,047
Farmers $5,020
GEICO $3,323
Liberty Mutual $2,989
Nationwide $4,592
Progressive $3,637
State Farm $3,274
USAA $4,994

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Cheapest Steamboat Springs, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Steamboat 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 Steamboat Springs, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,088 $6,088
American Family $3,597 $3,754
Farmers $4,697 $4,697
GEICO $2,571 $2,680
Liberty Mutual $2,793 $2,793
Nationwide $3,441 $3,441
Progressive $3,975 $3,975
State Farm $3,196 $3,351
USAA $3,119 $3,301

The Best Cheap Car Insurance Companies in Steamboat Springs, CO

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

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

Insurance Company Average Annual Rates
Allstate $6,088
American Family $3,675
Farmers $4,697
GEICO $2,625
Liberty Mutual $2,793
Nationwide $3,441
Progressive $3,975
State Farm $3,274
USAA $3,210

Category Winners: Cheapest Car Insurance in Steamboat Springs, Colorado

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

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

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

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Cheapest Steamboat Springs, CO Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,811 $6,071 $6,381
American Family $3,521 $3,751 $3,754
Farmers $4,180 $4,639 $5,271
GEICO $2,439 $2,594 $2,843
Liberty Mutual $2,673 $2,787 $2,921
Nationwide $3,492 $3,440 $3,392
Progressive $3,710 $3,986 $4,228
State Farm $3,097 $3,274 $3,449
USAA $3,081 $3,209 $3,339

What affects car insurance rates in Steamboat Springs, Colorado?

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

Commute Time in Steamboat Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Steamboat Springs, CO is 16.3 minutes according to City-Data.

Compare Car Insurance Quotes in Steamboat Springs, CO

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

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Average Monthly Car Insurance Rates by State