Compare Vernon, CO Car Insurance Rates (2021)

Car insurance in Vernon, CO averages $328 a month. Vernon, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Vernon car insurance rates, compare quotes from the top car insurance companies in Vernon, 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 Vernon, CO are $3,937/year
  • The cheapest car insurance company in Vernon for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Vernon is Liberty Mutual

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

You’ll find Vernon car insurance rates, the cheapest Vernon, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Vernon, Colorado car insurance rates to Centennial car insurance rates, Greeley car insurance rates, and Boulder car insurance rates.

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

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

How do age, gender, and marital status affect Vernon, CO car insurance rates? Every Vernon, 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 Vernon, 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 $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,033 $3,006 $2,751 $2,957 $11,146 $11,220 $3,330 $3,375
GEICO $2,352 $2,541 $2,410 $2,682 $7,136 $7,588 $2,165 $2,234
Liberty Mutual $1,747 $1,713 $1,491 $1,636 $4,875 $5,298 $1,759 $1,773
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,983 $2,811 $2,507 $2,526 $9,122 $10,218 $3,384 $3,311
State Farm $2,099 $2,099 $1,850 $1,850 $5,591 $7,153 $2,333 $2,746
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 Vernon, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Vernon, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $5,929 $4,808 $4,570
GEICO $4,380 $3,638 $2,896
Liberty Mutual $3,629 $2,214 $1,767
Nationwide $4,899 $3,858 $3,367
Progressive $5,297 $4,463 $4,063
State Farm $4,469 $2,867 $2,309
USAA $5,346 $3,014 $2,405

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

Annual Vernon, 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 $2,676 $3,796 $4,955 $3,033
Farmers $4,315 $5,533 $5,456 $5,105
GEICO $2,600 $3,993 $4,523 $3,438
Liberty Mutual $2,215 $2,600 $2,708 $2,623
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $4,017 $5,448 $4,245 $4,721
State Farm $2,992 $3,438 $3,215 $3,215
USAA $2,644 $3,195 $5,527 $2,989

Cheapest Vernon, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Vernon, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $11,146 $11,220
GEICO $7,136 $7,588
Liberty Mutual $4,875 $5,298
Nationwide $6,746 $8,703
Progressive $9,122 $10,218
State Farm $5,591 $7,153
USAA $5,826 $6,723

Cheapest Vernon, CO Car Insurance for Seniors

Take a look at Vernon, 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 Vernon, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,751 $2,957
GEICO $2,410 $2,682
Liberty Mutual $1,491 $1,636
Nationwide $2,404 $2,557
Progressive $2,507 $2,526
State Farm $1,850 $1,850
USAA $2,298 $2,340

Cheapest Vernon, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Vernon, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,456
GEICO $4,523
Liberty Mutual $2,708
Nationwide $5,431
Progressive $4,245
State Farm $3,215
USAA $5,527

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Cheapest Vernon, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Vernon, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $5,102 $5,102
GEICO $3,553 $3,724
Liberty Mutual $2,537 $2,537
Nationwide $4,041 $4,041
Progressive $4,608 $4,608
State Farm $3,137 $3,293
USAA $3,485 $3,692

The Best Cheap Car Insurance Companies in Vernon, CO

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

Average Annual Car Insurance Rates by Company in Vernon, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $5,102
GEICO $3,638
Liberty Mutual $2,537
Nationwide $4,041
Progressive $4,608
State Farm $3,215
USAA $3,589

Category Winners: Cheapest Car Insurance in Vernon, Colorado

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

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

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

Annual Car Insurance Rates by Coverage Level in Vernon, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,526 $5,038 $5,743
GEICO $3,349 $3,583 $3,984
Liberty Mutual $2,391 $2,526 $2,693
Nationwide $4,103 $4,041 $3,980
Progressive $4,360 $4,617 $4,847
State Farm $3,047 $3,215 $3,383
USAA $3,452 $3,588 $3,726

Compare Car Insurance Quotes in Vernon, CO

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Average Monthly Car Insurance Rates by State