Compare Vail, CO Car Insurance Rates (2021)

Car insurance in Vail, CO averages $315 a month. Vail, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Vail car insurance rates, compare quotes from the top car insurance companies in Vail, 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 Vail, CO after a DUI are $4,524/year
  • Average car insurance rates in Vail, CO are $3,778/year
  • The cheapest car insurance company in Vail is GEICO

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

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

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

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

How do age, gender, and marital status affect Vail, CO car insurance rates? Every Vail, 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 Vail, 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 $3,642 $3,402 $3,258 $3,295 $12,701 $13,319 $4,034 $4,072
American Family $2,583 $2,583 $2,333 $2,333 $6,284 $8,441 $2,583 $3,178
Farmers $2,871 $2,849 $2,595 $2,782 $10,857 $11,000 $3,181 $3,247
GEICO $1,609 $1,772 $1,682 $1,894 $5,105 $5,462 $1,478 $1,526
Liberty Mutual $1,836 $1,836 $1,541 $1,689 $5,617 $6,142 $1,870 $1,919
Nationwide $2,313 $2,360 $2,066 $2,188 $5,843 $7,486 $2,658 $2,874
Progressive $2,244 $2,093 $1,949 $1,941 $7,780 $8,714 $2,536 $2,470
State Farm $2,039 $2,039 $1,826 $1,826 $5,892 $7,438 $2,283 $2,725
USAA $2,343 $2,348 $2,222 $2,234 $5,862 $6,726 $3,020 $3,297

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Minimum Car Insurance in Vail, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Vail, Colorado

Insurance Company Poor Fair Good
Allstate $7,611 $5,861 $4,425
American Family $4,927 $3,507 $2,935
Farmers $5,701 $4,649 $4,419
GEICO $3,080 $2,566 $2,052
Liberty Mutual $4,017 $2,451 $1,951
Nationwide $4,201 $3,324 $2,896
Progressive $4,211 $3,609 $3,327
State Farm $4,530 $2,906 $2,340
USAA $5,205 $2,953 $2,362

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

Annual Vail, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,073 $5,842 $7,185 $5,763
American Family $2,801 $3,973 $5,208 $3,178
Farmers $4,157 $5,337 $5,265 $4,933
GEICO $1,814 $2,797 $3,291 $2,362
Liberty Mutual $2,459 $2,872 $2,991 $2,902
Nationwide $2,669 $3,650 $4,637 $2,939
Progressive $3,224 $4,488 $3,401 $3,750
State Farm $2,997 $3,520 $3,258 $3,258
USAA $2,554 $3,113 $5,478 $2,882

Cheapest Vail, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Vail, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,701 $13,319
American Family $6,284 $8,441
Farmers $10,857 $11,000
GEICO $5,105 $5,462
Liberty Mutual $5,617 $6,142
Nationwide $5,843 $7,486
Progressive $7,780 $8,714
State Farm $5,892 $7,438
USAA $5,862 $6,726

Cheapest Vail, CO Car Insurance for Seniors

Take a look at Vail, 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 Vail, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,258 $3,295
American Family $2,333 $2,333
Farmers $2,595 $2,782
GEICO $1,682 $1,894
Liberty Mutual $1,541 $1,689
Nationwide $2,066 $2,188
Progressive $1,949 $1,941
State Farm $1,826 $1,826
USAA $2,222 $2,234

Cheapest Vail, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Vail, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,185
American Family $5,208
Farmers $5,265
GEICO $3,291
Liberty Mutual $2,991
Nationwide $4,637
Progressive $3,401
State Farm $3,258
USAA $5,478

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Cheapest Vail, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Vail, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,966 $5,966
American Family $3,709 $3,871
Farmers $4,923 $4,923
GEICO $2,516 $2,616
Liberty Mutual $2,806 $2,806
Nationwide $3,474 $3,474
Progressive $3,716 $3,716
State Farm $3,181 $3,336
USAA $3,407 $3,607

The Best Cheap Car Insurance Companies in Vail, CO

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

Average Annual Car Insurance Rates by Company in Vail, Colorado

Insurance Company Average Annual Rates
Allstate $5,966
American Family $3,790
Farmers $4,923
GEICO $2,566
Liberty Mutual $2,806
Nationwide $3,474
Progressive $3,716
State Farm $3,258
USAA $3,507

Category Winners: Cheapest Car Insurance in Vail, Colorado

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

Best Annual Car Insurance Rates by Company in Vail, Colorado

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

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Cheapest Vail, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Vail, Colorado

Insurance Company Low Medium High
Allstate $5,689 $5,948 $6,259
American Family $3,623 $3,868 $3,879
Farmers $4,380 $4,860 $5,529
GEICO $2,380 $2,534 $2,784
Liberty Mutual $2,685 $2,800 $2,935
Nationwide $3,517 $3,472 $3,432
Progressive $3,480 $3,726 $3,942
State Farm $3,073 $3,260 $3,442
USAA $3,366 $3,506 $3,648

What affects car insurance rates in Vail, Colorado?

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

Commute Time in Vail

The more time you spend in your car the higher the risk of an accident. The average commute length in Vail, CO is 16.7 minutes according to City-Data.

Compare Car Insurance Quotes in Vail, CO

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

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Average Monthly Car Insurance Rates by State