Compare Sugar City, CO Car Insurance Rates (2021)

Car insurance in Sugar City, CO averages $327 a month. Sugar City, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Sugar City car insurance rates, compare quotes from the top car insurance companies in Sugar City, 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 Sugar City is Liberty Mutual
  • Average car insurance rates in Sugar City, CO are $3,923/year
  • The cheapest car insurance company in Sugar City for teen drivers is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Sugar City, CO car insurance rates? Every Sugar City, 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 Sugar City, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,247 $3,220 $2,954 $3,190 $11,769 $11,781 $3,534 $3,553
GEICO $2,302 $2,476 $2,372 $2,642 $6,910 $7,307 $2,116 $2,168
Liberty Mutual $1,730 $1,692 $1,476 $1,619 $4,952 $5,383 $1,743 $1,758
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,109 $2,931 $2,613 $2,633 $9,505 $10,653 $3,528 $3,453
State Farm $1,941 $1,941 $1,717 $1,717 $5,211 $6,661 $2,159 $2,539
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

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Minimum Car Insurance in Sugar City, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Sugar City, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,381 $3,091 $2,589
Farmers $6,309 $5,081 $4,829
GEICO $4,257 $3,537 $2,817
Liberty Mutual $3,640 $2,222 $1,771
Nationwide $4,848 $3,820 $3,334
Progressive $5,525 $4,652 $4,232
State Farm $4,148 $2,664 $2,146
USAA $5,346 $3,014 $2,405

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

Annual Sugar City, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,578 $5,865 $5,784 $5,396
GEICO $2,530 $3,896 $4,376 $3,345
Liberty Mutual $2,225 $2,608 $2,712 $2,632
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,185 $5,683 $4,423 $4,921
State Farm $2,775 $3,196 $2,986 $2,986
USAA $2,644 $3,195 $5,527 $2,989

Cheapest Sugar City, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sugar City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,559 $7,395
Farmers $11,769 $11,781
GEICO $6,910 $7,307
Liberty Mutual $4,952 $5,383
Nationwide $6,687 $8,617
Progressive $9,505 $10,653
State Farm $5,211 $6,661
USAA $5,826 $6,723

Cheapest Sugar City, CO Car Insurance for Seniors

Take a look at Sugar City, 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 Sugar City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,070 $2,070
Farmers $2,954 $3,190
GEICO $2,372 $2,642
Liberty Mutual $1,476 $1,619
Nationwide $2,380 $2,529
Progressive $2,613 $2,633
State Farm $1,717 $1,717
USAA $2,298 $2,340

Cheapest Sugar City, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sugar City, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,589
Farmers $5,784
GEICO $4,376
Liberty Mutual $2,712
Nationwide $5,371
Progressive $4,423
State Farm $2,986
USAA $5,527

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Cheapest Sugar City, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sugar City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,283 $3,424
Farmers $5,406 $5,406
GEICO $3,453 $3,621
Liberty Mutual $2,544 $2,544
Nationwide $4,001 $4,001
Progressive $4,803 $4,803
State Farm $2,913 $3,059
USAA $3,485 $3,692

The Best Cheap Car Insurance Companies in Sugar City, CO

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

Average Annual Car Insurance Rates by Company in Sugar City, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,353
Farmers $5,406
GEICO $3,537
Liberty Mutual $2,544
Nationwide $4,001
Progressive $4,803
State Farm $2,986
USAA $3,589

Category Winners: Cheapest Car Insurance in Sugar City, Colorado

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

Best Annual Car Insurance Rates by Company in Sugar City, Colorado

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

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Cheapest Sugar City, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sugar City, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,205 $3,423 $3,432
Farmers $4,721 $5,328 $6,170
GEICO $3,217 $3,475 $3,919
Liberty Mutual $2,399 $2,533 $2,700
Nationwide $4,052 $4,001 $3,949
Progressive $4,536 $4,812 $5,061
State Farm $2,818 $2,986 $3,153
USAA $3,452 $3,588 $3,726

What affects car insurance rates in Sugar City, Colorado?

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

Commute Time in Sugar City

The more time you spend in your car the higher the risk of an accident. The average commute length in Sugar City, CO is 20.2 minutes according to City-Data.

Compare Car Insurance Quotes in Sugar City, CO

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

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Average Monthly Car Insurance Rates by State