Buy Cheap Austin, CO Auto Insurance (2021)

Austin, CO auto insurance rates average $290 a month. Minimum auto insurance requirements in Austin, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Austin, CO, compare Austin auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Austin is Allstate
  • Average auto insurance rates in Austin, CO are $290/month
  • The most expensive auto insurance company in Austin after a DUI is Allstate

Finding affordable Austin, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Austin, CO auto insurance with confidence is right here. Auto insurance rates in Austin are affected by local factors as well as personal ones like your driving record.

See how Austin, CO car insurance rates compare to Greeley auto insurance rates, Centennial auto insurance rates, and Denver auto insurance rates before you read more about the cost of auto insurance in Austin.

Don’t buy Austin, CO auto insurance until you’ve compared rates. Get free Austin, Colorado auto insurance quotes when you enter your ZIP code above.

Austin, CO Minimum Auto Insurance Requirements

The required auto insurance in Austin, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Austin, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Austin, 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

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Find Cheap Austin, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Austin, CO. Take a look at Austin, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Austin, Colorado

Insurance Company Poor Fair Good
Allstate $6,952 $5,350 $4,046
American Family $4,499 $3,210 $2,691
Farmers $5,603 $4,517 $4,289
GEICO $2,682 $2,238 $1,793
Liberty Mutual $3,766 $2,290 $1,829
Nationwide $3,706 $2,939 $2,563
Progressive $4,438 $3,777 $3,463
State Farm $3,581 $2,304 $1,859
USAA $4,757 $2,700 $2,160

Buy Cheap Austin, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Austin, Colorado auto insurance rates? Find out how car insurance rates in Austin, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Austin, 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 $3,337 $3,111 $2,989 $3,023 $11,594 $12,143 $3,679 $3,718
American Family $2,369 $2,369 $2,141 $2,141 $5,736 $7,705 $2,369 $2,905
Farmers $2,864 $2,823 $2,607 $2,829 $10,568 $10,510 $3,115 $3,107
GEICO $1,407 $1,546 $1,485 $1,677 $4,444 $4,729 $1,291 $1,321
Liberty Mutual $1,799 $1,781 $1,519 $1,664 $5,062 $5,523 $1,820 $1,859
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,414 $2,263 $2,083 $2,081 $7,979 $8,937 $2,727 $2,660
State Farm $1,629 $1,629 $1,461 $1,461 $4,630 $5,861 $1,820 $2,158
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Buy Cheap Austin, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Austin can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Austin, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Austin, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,594 $12,143
American Family $5,736 $7,705
Farmers $10,568 $10,510
GEICO $4,444 $4,729
Liberty Mutual $5,062 $5,523
Nationwide $5,148 $6,579
Progressive $7,979 $8,937
State Farm $4,630 $5,861
USAA $5,325 $6,108

Buy Cheap Austin, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Austin, Colorado by comparing Austin senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Austin, CO here.

Annual Auto Insurance Rates for Senior Drivers in Austin, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,989 $3,023
American Family $2,141 $2,141
Farmers $2,607 $2,829
GEICO $1,485 $1,677
Liberty Mutual $1,519 $1,664
Nationwide $1,839 $1,943
Progressive $2,083 $2,081
State Farm $1,461 $1,461
USAA $2,042 $2,056

Find Cheap Auto Insurance Rates in Austin, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Austin, Colorado auto insurance. Compare Austin, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Austin, Colorado

Insurance Company Low Medium High
Allstate $5,211 $5,433 $5,703
American Family $3,297 $3,539 $3,565
Farmers $4,193 $4,737 $5,480
GEICO $2,051 $2,206 $2,456
Liberty Mutual $2,500 $2,620 $2,766
Nationwide $3,080 $3,067 $3,061
Progressive $3,631 $3,902 $4,145
State Farm $2,417 $2,581 $2,746
USAA $3,077 $3,205 $3,334

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Find Cheap Austin, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Austin. Compare auto insurance rates in Austin, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Austin, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,449 $5,449
American Family $3,393 $3,541
Farmers $4,803 $4,803
GEICO $2,194 $2,281
Liberty Mutual $2,628 $2,628
Nationwide $3,069 $3,069
Progressive $3,893 $3,893
State Farm $2,519 $2,644
USAA $3,115 $3,296

Find Cheap Austin, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Austin, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Austin, CO, take a look at the average cost for various violations versus rates for a clean driving record in Austin.

Annual Austin, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,625 $5,325 $6,581 $5,265
American Family $2,562 $3,647 $4,754 $2,905
Farmers $4,055 $5,220 $5,151 $4,786
GEICO $1,582 $2,448 $2,868 $2,052
Liberty Mutual $2,294 $2,690 $2,810 $2,719
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,382 $4,675 $3,569 $3,945
State Farm $2,378 $2,784 $2,581 $2,581
USAA $2,344 $2,849 $4,987 $2,642

Find Cheap Austin, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Austin, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Austin for less when you shop around and compare rates from multiple Austin, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Austin, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,581
American Family $4,754
Farmers $5,151
GEICO $2,868
Liberty Mutual $2,810
Nationwide $4,083
Progressive $3,569
State Farm $2,581
USAA $4,987

Winners by Category: Where to Buy Cheap Auto Insurance in Austin, CO

Compare rates from the cheapest auto insurance companies in Austin, CO for your needs. Take a look at how Austin, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Austin, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Austin, Colorado Auto Insurance Companies

If you’re looking for the cheapest Austin, CO auto insurance companies overall, you can compare them here. Find the best price for Austin, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Austin, Colorado

Insurance Company Average Annual Rates
Allstate $5,449
American Family $3,467
Farmers $4,803
GEICO $2,238
Liberty Mutual $2,628
Nationwide $3,069
Progressive $3,893
State Farm $2,581
USAA $3,206

What affects Austin, Colorado auto insurance rates?

Local factors affect auto insurance rates in Austin, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Austin auto insurance rates.

Traffic in Austin

How is traffic in Austin, Colorado? Inrix data shows that Austin, CO traffic makes it the 207th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Austin, CO

You can buy cheap Austin, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Austin, Colorado auto insurance quotes from top companies.

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