Buy Cheap Central City, CO Auto Insurance (2021)

Central City, CO auto insurance rates average $334 a month. Minimum auto insurance requirements in Central City, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Central City, CO, compare Central City 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 Central City is Farmers
  • The most expensive auto insurance company in Central City after a DUI is Allstate
  • Average auto insurance rates in Central City, CO after a DUI are $4,754/year

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

See how Central City, CO car insurance rates compare to Arvada auto insurance rates, Lakewood auto insurance rates, and Aurora auto insurance rates before you read more about the cost of auto insurance in Central City.

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

Central City, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Central City, 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 Central City, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Central City, Colorado

Insurance Company Poor Fair Good
Allstate $6,888 $5,316 $4,011
American Family $5,349 $3,803 $3,187
Farmers $6,289 $5,124 $4,870
GEICO $4,265 $3,543 $2,822
Liberty Mutual $4,147 $2,532 $2,014
Nationwide $4,245 $3,363 $2,929
Progressive $5,243 $4,491 $4,136
State Farm $4,935 $3,170 $2,555
USAA $4,426 $2,549 $2,051

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Central City, 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 $3,289 $3,077 $2,966 $2,996 $11,528 $12,139 $3,617 $3,629
American Family $2,806 $2,806 $2,529 $2,529 $6,824 $9,164 $2,806 $3,441
Farmers $3,154 $3,127 $2,852 $3,072 $12,054 $12,176 $3,472 $3,514
GEICO $2,208 $2,439 $2,383 $2,740 $7,065 $7,468 $2,010 $2,034
Liberty Mutual $1,890 $1,864 $1,587 $1,744 $5,828 $6,377 $1,922 $1,969
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,750 $2,560 $2,397 $2,382 $9,788 $10,975 $3,111 $3,024
State Farm $2,226 $2,226 $1,999 $1,999 $6,414 $8,107 $2,492 $2,963
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

Buy Cheap Central City, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Central City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,528 $12,139
American Family $6,824 $9,164
Farmers $12,054 $12,176
GEICO $7,065 $7,468
Liberty Mutual $5,828 $6,377
Nationwide $5,929 $7,587
Progressive $9,788 $10,975
State Farm $6,414 $8,107
USAA $5,128 $5,847

Buy Cheap Central City, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Central City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,966 $2,996
American Family $2,529 $2,529
Farmers $2,852 $3,072
GEICO $2,383 $2,740
Liberty Mutual $1,587 $1,744
Nationwide $2,085 $2,204
Progressive $2,397 $2,382
State Farm $1,999 $1,999
USAA $1,918 $1,904

Find Cheap Auto Insurance Rates in Central City, CO by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Central City, Colorado

Insurance Company Low Medium High
Allstate $5,107 $5,387 $5,721
American Family $3,906 $4,197 $4,237
Farmers $4,772 $5,352 $6,159
GEICO $3,133 $3,465 $4,032
Liberty Mutual $2,759 $2,890 $3,045
Nationwide $3,535 $3,511 $3,491
Progressive $4,287 $4,637 $4,946
State Farm $3,333 $3,554 $3,772
USAA $2,855 $3,009 $3,163

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Find Cheap Central City, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Central City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,405 $5,405
American Family $4,024 $4,202
Farmers $5,428 $5,428
GEICO $3,471 $3,616
Liberty Mutual $2,898 $2,898
Nationwide $3,512 $3,512
Progressive $4,623 $4,623
State Farm $3,467 $3,639
USAA $2,925 $3,093

Find Cheap Central City, CO Auto Insurance Rates by Driving Record

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

Annual Central City, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,605 $5,304 $6,491 $5,221
American Family $3,044 $4,299 $5,656 $3,453
Farmers $4,585 $5,894 $5,812 $5,420
GEICO $2,474 $3,880 $4,594 $3,225
Liberty Mutual $2,540 $2,968 $3,086 $2,996
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,994 $5,627 $4,217 $4,656
State Farm $3,269 $3,838 $3,553 $3,553
USAA $2,191 $2,686 $4,693 $2,465

Find Cheap Central City, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Central City, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,491
American Family $5,656
Farmers $5,812
GEICO $4,594
Liberty Mutual $3,086
Nationwide $4,685
Progressive $4,217
State Farm $3,553
USAA $4,693

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

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

Best Annual Auto Insurance Rates by Company in Central City, 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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Find Cheap Central City, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Central City, Colorado

Insurance Company Average Annual Rates
Allstate $5,405
American Family $4,113
Farmers $5,428
GEICO $3,543
Liberty Mutual $2,898
Nationwide $3,512
Progressive $4,623
State Farm $3,553
USAA $3,009

What affects Central City, Colorado auto insurance rates?

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

Commute Times in Central City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Central City, CO is 15.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Central City, CO

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

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