Compare Ward, CO Car Insurance Rates (2021)

Car insurance in Ward, CO averages $318 a month. Ward, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Ward car insurance rates, compare quotes from the top car insurance companies in Ward, 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 Ward, CO after a DUI are $4,502/year
  • The cheapest car insurance company in Ward for teen drivers is USAA
  • Average car insurance rates in Ward, CO are $3,811/year

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

You’ll find Ward car insurance rates, the cheapest Ward, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Ward, Colorado car insurance rates to Centennial car insurance rates, Arvada car insurance rates, and Denver car insurance rates.

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

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

How do age, gender, and marital status affect Ward, CO car insurance rates? Every Ward, 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 Ward, 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 $2,905 $2,711 $2,626 $2,652 $10,210 $10,742 $3,175 $3,187
American Family $2,573 $2,573 $2,329 $2,329 $6,208 $8,376 $2,573 $3,137
Farmers $3,223 $3,209 $2,907 $3,116 $12,381 $12,604 $3,559 $3,628
GEICO $2,004 $2,199 $2,126 $2,415 $6,291 $6,669 $1,832 $1,868
Liberty Mutual $1,795 $1,730 $1,529 $1,684 $5,765 $6,289 $1,816 $1,828
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,474 $2,293 $2,179 $2,157 $9,213 $10,332 $2,798 $2,715
State Farm $2,189 $2,189 $1,982 $1,982 $6,491 $8,193 $2,457 $2,918
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

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Minimum Car Insurance in Ward, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Ward, Colorado

Insurance Company Poor Fair Good
Allstate $6,080 $4,696 $3,552
American Family $4,858 $3,492 $2,937
Farmers $6,446 $5,274 $5,015
GEICO $3,819 $3,176 $2,532
Liberty Mutual $4,001 $2,460 $1,953
Nationwide $4,068 $3,235 $2,817
Progressive $4,817 $4,152 $3,842
State Farm $4,930 $3,167 $2,553
USAA $4,426 $2,549 $2,051

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

Annual Ward, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,056 $4,674 $5,760 $4,613
American Family $2,787 $3,944 $5,159 $3,158
Farmers $4,721 $6,054 $5,964 $5,574
GEICO $2,238 $3,477 $4,061 $2,926
Liberty Mutual $2,468 $2,879 $2,973 $2,898
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,684 $5,230 $3,888 $4,280
State Farm $3,252 $3,848 $3,550 $3,550
USAA $2,191 $2,686 $4,693 $2,465

Cheapest Ward, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ward, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,210 $10,742
American Family $6,208 $8,376
Farmers $12,381 $12,604
GEICO $6,291 $6,669
Liberty Mutual $5,765 $6,289
Nationwide $5,702 $7,251
Progressive $9,213 $10,332
State Farm $6,491 $8,193
USAA $5,128 $5,847

Cheapest Ward, CO Car Insurance for Seniors

Take a look at Ward, 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 Ward, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,626 $2,652
American Family $2,329 $2,329
Farmers $2,907 $3,116
GEICO $2,126 $2,415
Liberty Mutual $1,529 $1,684
Nationwide $2,018 $2,122
Progressive $2,179 $2,157
State Farm $1,982 $1,982
USAA $1,918 $1,904

Cheapest Ward, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ward, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,760
American Family $5,159
Farmers $5,964
GEICO $4,061
Liberty Mutual $2,973
Nationwide $4,472
Progressive $3,888
State Farm $3,550
USAA $4,693

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Cheapest Ward, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ward, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,776 $4,776
American Family $3,680 $3,844
Farmers $5,578 $5,578
GEICO $3,109 $3,243
Liberty Mutual $2,805 $2,805
Nationwide $3,373 $3,373
Progressive $4,270 $4,270
State Farm $3,462 $3,638
USAA $2,925 $3,093

The Best Cheap Car Insurance Companies in Ward, CO

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

Average Annual Car Insurance Rates by Company in Ward, Colorado

Insurance Company Average Annual Rates
Allstate $4,776
American Family $3,762
Farmers $5,578
GEICO $3,176
Liberty Mutual $2,805
Nationwide $3,373
Progressive $4,270
State Farm $3,550
USAA $3,009

Category Winners: Cheapest Car Insurance in Ward, Colorado

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

Best Annual Car Insurance Rates by Company in Ward, Colorado

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

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Cheapest Ward, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ward, Colorado

Insurance Company Low Medium High
Allstate $4,533 $4,760 $5,034
American Family $3,548 $3,840 $3,898
Farmers $4,917 $5,500 $6,318
GEICO $2,855 $3,114 $3,558
Liberty Mutual $2,636 $2,793 $2,985
Nationwide $3,335 $3,378 $3,407
Progressive $3,959 $4,284 $4,568
State Farm $3,298 $3,553 $3,799
USAA $2,855 $3,009 $3,163

What affects car insurance rates in Ward, Colorado?

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

Commute Time in Ward

The more time you spend in your car the higher the risk of an accident. The average commute length in Ward, CO is 34.5 minutes according to City-Data.

Compare Car Insurance Quotes in Ward, CO

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

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Average Monthly Car Insurance Rates by State