Compare Whitewater, CO Car Insurance Rates (2021)

Car insurance in Whitewater, CO averages $286 a month. Whitewater, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Whitewater car insurance rates, compare quotes from the top car insurance companies in Whitewater, 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 Whitewater, CO after a DUI are $4,073/year
  • Average car insurance rates in Whitewater, CO are $3,432/year
  • The cheapest car insurance company in Whitewater for teen drivers is GEICO

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

You’ll find Whitewater car insurance rates, the cheapest Whitewater, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Whitewater, Colorado car insurance rates to Aurora car insurance rates, Fort Collins car insurance rates, and Lakewood car insurance rates.

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

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

How do age, gender, and marital status affect Whitewater, CO car insurance rates? Every Whitewater, 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 Whitewater, 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 $3,399 $3,168 $3,048 $3,082 $11,907 $12,495 $3,744 $3,779
American Family $2,235 $2,235 $2,022 $2,022 $5,392 $7,258 $2,235 $2,730
Farmers $2,988 $2,960 $2,713 $2,923 $11,095 $11,142 $3,290 $3,334
GEICO $1,361 $1,491 $1,442 $1,636 $4,281 $4,536 $1,249 $1,271
Liberty Mutual $1,549 $1,511 $1,310 $1,439 $4,828 $5,279 $1,573 $1,600
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,224 $2,078 $1,943 $1,934 $7,679 $8,593 $2,508 $2,440
State Farm $1,757 $1,757 $1,593 $1,593 $5,245 $6,611 $1,974 $2,349
USAA $2,006 $2,006 $1,910 $1,917 $4,983 $5,703 $2,573 $2,799

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Minimum Car Insurance in Whitewater, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Whitewater, Colorado

Insurance Company Poor Fair Good
Allstate $7,113 $5,479 $4,141
American Family $4,225 $3,029 $2,544
Farmers $5,886 $4,759 $4,521
GEICO $2,586 $2,158 $1,731
Liberty Mutual $3,400 $2,092 $1,668
Nationwide $3,525 $2,806 $2,447
Progressive $4,169 $3,570 $3,286
State Farm $3,971 $2,552 $2,057
USAA $4,418 $2,521 $2,022

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

Annual Whitewater, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,731 $5,450 $6,742 $5,388
American Family $2,414 $3,444 $4,471 $2,736
Farmers $4,266 $5,481 $5,413 $5,063
GEICO $1,527 $2,370 $2,760 $1,977
Liberty Mutual $2,098 $2,446 $2,535 $2,465
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $3,186 $4,449 $3,360 $3,705
State Farm $2,618 $3,102 $2,860 $2,860
USAA $2,188 $2,662 $4,635 $2,464

Cheapest Whitewater, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Whitewater, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,495
American Family $5,392 $7,258
Farmers $11,095 $11,142
GEICO $4,281 $4,536
Liberty Mutual $4,828 $5,279
Nationwide $4,935 $6,278
Progressive $7,679 $8,593
State Farm $5,245 $6,611
USAA $4,983 $5,703

Cheapest Whitewater, CO Car Insurance for Seniors

Take a look at Whitewater, 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 Whitewater, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,048 $3,082
American Family $2,022 $2,022
Farmers $2,713 $2,923
GEICO $1,442 $1,636
Liberty Mutual $1,310 $1,439
Nationwide $1,754 $1,845
Progressive $1,943 $1,934
State Farm $1,593 $1,593
USAA $1,910 $1,917

Cheapest Whitewater, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Whitewater, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,742
American Family $4,471
Farmers $5,413
GEICO $2,760
Liberty Mutual $2,535
Nationwide $3,877
Progressive $3,360
State Farm $2,860
USAA $4,635

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Cheapest Whitewater, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Whitewater, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,578 $5,578
American Family $3,196 $3,336
Farmers $5,056 $5,056
GEICO $2,116 $2,201
Liberty Mutual $2,386 $2,386
Nationwide $2,926 $2,926
Progressive $3,675 $3,675
State Farm $2,790 $2,930
USAA $2,903 $3,071

The Best Cheap Car Insurance Companies in Whitewater, CO

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

Average Annual Car Insurance Rates by Company in Whitewater, Colorado

Insurance Company Average Annual Rates
Allstate $5,578
American Family $3,266
Farmers $5,056
GEICO $2,158
Liberty Mutual $2,386
Nationwide $2,926
Progressive $3,675
State Farm $2,860
USAA $2,987

Category Winners: Cheapest Car Insurance in Whitewater, Colorado

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

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

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

Annual Car Insurance Rates by Coverage Level in Whitewater, Colorado

Insurance Company Low Medium High
Allstate $5,340 $5,562 $5,832
American Family $3,084 $3,335 $3,379
Farmers $4,456 $4,986 $5,724
GEICO $1,955 $2,123 $2,397
Liberty Mutual $2,261 $2,379 $2,520
Nationwide $2,909 $2,928 $2,941
Progressive $3,410 $3,686 $3,930
State Farm $2,658 $2,862 $3,059
USAA $2,856 $2,986 $3,119

Compare Car Insurance Quotes in Whitewater, CO

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Average Monthly Car Insurance Rates by State