Compare Westcliffe, CO Car Insurance Rates (2021)

Car insurance in Westcliffe, CO averages $311 a month. Westcliffe, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Westcliffe car insurance rates, compare quotes from the top car insurance companies in Westcliffe, 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 Westcliffe is Liberty Mutual
  • Average car insurance rates in Westcliffe, CO after a DUI are $4,439/year
  • The cheapest car insurance company in Westcliffe for teen drivers is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Westcliffe, CO car insurance rates? Every Westcliffe, 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 Westcliffe, 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 $3,387 $3,174 $3,030 $3,064 $11,501 $12,039 $3,764 $3,803
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $2,977 $2,957 $2,695 $2,899 $11,183 $11,299 $3,271 $3,315
GEICO $1,952 $2,122 $2,062 $2,335 $6,010 $6,337 $1,787 $1,813
Liberty Mutual $1,830 $1,799 $1,554 $1,703 $5,062 $5,509 $1,845 $1,872
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,534 $2,373 $2,193 $2,189 $8,475 $9,492 $2,861 $2,788
State Farm $1,859 $1,859 $1,659 $1,659 $5,209 $6,613 $2,076 $2,458
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

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Minimum Car Insurance in Westcliffe, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Westcliffe, Colorado

Insurance Company Poor Fair Good
Allstate $6,983 $5,370 $4,058
American Family $4,381 $3,091 $2,589
Farmers $5,888 $4,786 $4,549
GEICO $3,670 $3,052 $2,435
Liberty Mutual $3,795 $2,306 $1,840
Nationwide $4,179 $3,306 $2,883
Progressive $4,688 $3,992 $3,659
State Farm $4,061 $2,609 $2,102
USAA $5,166 $2,924 $2,337

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

Annual Westcliffe, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,675 $5,366 $6,552 $5,288
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,293 $5,506 $5,428 $5,070
GEICO $2,162 $3,360 $3,854 $2,832
Liberty Mutual $2,309 $2,711 $2,829 $2,739
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,567 $4,958 $3,765 $4,163
State Farm $2,701 $3,147 $2,924 $2,924
USAA $2,543 $3,088 $5,401 $2,871

Cheapest Westcliffe, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Westcliffe, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,501 $12,039
American Family $5,559 $7,395
Farmers $11,183 $11,299
GEICO $6,010 $6,337
Liberty Mutual $5,062 $5,509
Nationwide $5,787 $7,409
Progressive $8,475 $9,492
State Farm $5,209 $6,613
USAA $5,735 $6,602

Cheapest Westcliffe, CO Car Insurance for Seniors

Take a look at Westcliffe, 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 Westcliffe, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,030 $3,064
American Family $2,070 $2,070
Farmers $2,695 $2,899
GEICO $2,062 $2,335
Liberty Mutual $1,554 $1,703
Nationwide $2,070 $2,189
Progressive $2,193 $2,189
State Farm $1,659 $1,659
USAA $2,214 $2,238

Cheapest Westcliffe, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Westcliffe, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,552
American Family $4,589
Farmers $5,428
GEICO $3,854
Liberty Mutual $2,829
Nationwide $4,607
Progressive $3,765
State Farm $2,924
USAA $5,401

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Cheapest Westcliffe, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Westcliffe, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,470 $5,470
American Family $3,283 $3,424
Farmers $5,074 $5,074
GEICO $2,985 $3,120
Liberty Mutual $2,647 $2,647
Nationwide $3,456 $3,456
Progressive $4,113 $4,113
State Farm $2,853 $2,995
USAA $3,377 $3,575

The Best Cheap Car Insurance Companies in Westcliffe, CO

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

Average Annual Car Insurance Rates by Company in Westcliffe, Colorado

Insurance Company Average Annual Rates
Allstate $5,470
American Family $3,353
Farmers $5,074
GEICO $3,052
Liberty Mutual $2,647
Nationwide $3,456
Progressive $4,113
State Farm $2,924
USAA $3,476

Category Winners: Cheapest Car Insurance in Westcliffe, Colorado

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

Best Annual Car Insurance Rates by Company in Westcliffe, Colorado

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

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Cheapest Westcliffe, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Westcliffe, Colorado

Insurance Company Low Medium High
Allstate $5,191 $5,453 $5,767
American Family $3,205 $3,423 $3,432
Farmers $4,460 $5,003 $5,760
GEICO $2,723 $2,989 $3,445
Liberty Mutual $2,504 $2,636 $2,801
Nationwide $3,455 $3,454 $3,458
Progressive $3,817 $4,124 $4,399
State Farm $2,750 $2,925 $3,098
USAA $3,336 $3,475 $3,616

What affects car insurance rates in Westcliffe, Colorado?

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

Commute Time in Westcliffe

The more time you spend in your car the higher the risk of an accident. The average commute length in Westcliffe, CO is 21.3 minutes according to City-Data.

Compare Car Insurance Quotes in Westcliffe, CO

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

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Average Monthly Car Insurance Rates by State