Buy Cheap Fort Collins, CO Auto Insurance (2021)

Fort Collins, CO auto insurance rates average $282 a month. Minimum auto insurance requirements in Fort Collins, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Fort Collins, CO, compare Fort Collins 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

  • Average auto insurance rates in Fort Collins, CO are $282/month
  • Average auto insurance rates in Fort Collins, CO for teens drivers are $6,596/year
  • The most expensive auto insurance company in Fort Collins after a DUI is Allstate

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

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

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

Fort Collins, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Fort Collins, 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 Fort Collins, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Fort Collins, Colorado

Insurance Company Poor Fair Good
Allstate $5,541 $4,279 $3,238
American Family $4,452 $3,187 $2,678
Farmers $5,454 $4,428 $4,207
GEICO $3,360 $2,797 $2,234
Liberty Mutual $3,434 $2,125 $1,693
Nationwide $4,099 $3,254 $2,838
Progressive $4,164 $3,568 $3,283
State Farm $4,118 $2,644 $2,131
USAA $4,058 $2,335 $1,879

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fort Collins, 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 $2,664 $2,492 $2,419 $2,442 $9,256 $9,738 $2,903 $2,906
American Family $2,353 $2,353 $2,126 $2,126 $5,682 $7,645 $2,353 $2,874
Farmers $2,749 $2,723 $2,491 $2,689 $10,396 $10,458 $3,018 $3,045
GEICO $1,754 $1,924 $1,886 $2,162 $5,569 $5,868 $1,601 $1,615
Liberty Mutual $1,554 $1,456 $1,324 $1,462 $4,966 $5,430 $1,570 $1,577
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,215 $2,070 $1,953 $1,942 $7,704 $8,590 $2,488 $2,412
State Farm $1,822 $1,822 $1,652 $1,652 $5,431 $6,858 $2,047 $2,429
USAA $1,847 $1,837 $1,773 $1,769 $4,633 $5,288 $2,361 $2,553

Buy Cheap Fort Collins, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fort Collins, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,256 $9,738
American Family $5,682 $7,645
Farmers $10,396 $10,458
GEICO $5,569 $5,868
Liberty Mutual $4,966 $5,430
Nationwide $5,724 $7,310
Progressive $7,704 $8,590
State Farm $5,431 $6,858
USAA $4,633 $5,288

Buy Cheap Fort Collins, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fort Collins, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,419 $2,442
American Family $2,126 $2,126
Farmers $2,491 $2,689
GEICO $1,886 $2,162
Liberty Mutual $1,324 $1,462
Nationwide $2,028 $2,139
Progressive $1,953 $1,942
State Farm $1,652 $1,652
USAA $1,773 $1,769

Find Cheap Auto Insurance Rates in Fort Collins, CO by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fort Collins, Colorado

Insurance Company Low Medium High
Allstate $4,091 $4,336 $4,631
American Family $3,245 $3,511 $3,561
Farmers $4,116 $4,630 $5,343
GEICO $2,479 $2,740 $3,172
Liberty Mutual $2,254 $2,407 $2,591
Nationwide $3,381 $3,402 $3,409
Progressive $3,362 $3,685 $3,968
State Farm $2,747 $2,968 $3,178
USAA $2,619 $2,757 $2,897

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Find Cheap Fort Collins, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Collins, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,353 $4,353
American Family $3,365 $3,513
Farmers $4,696 $4,696
GEICO $2,741 $2,854
Liberty Mutual $2,417 $2,417
Nationwide $3,397 $3,397
Progressive $3,672 $3,672
State Farm $2,890 $3,038
USAA $2,681 $2,834

Find Cheap Fort Collins, CO Auto Insurance Rates by ZIP Code

Auto insurance rates in Fort Collins, Colorado can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fort Collins, CO to see how much where you live in Fort Collins affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Fort Collins, Colorado

ZIP Code Average Annual Rates
80521 $3,097
80523 $3,243
80524 $3,144
80525 $3,084
80526 $3,110
80528 $3,141

Find Cheap Fort Collins, CO Auto Insurance Rates by Driving Record

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

Annual Fort Collins, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,709 $4,269 $5,226 $4,205
American Family $2,543 $3,618 $4,712 $2,882
Farmers $3,966 $5,099 $5,030 $4,689
GEICO $1,961 $3,077 $3,604 $2,547
Liberty Mutual $2,130 $2,485 $2,561 $2,494
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,176 $4,470 $3,349 $3,692
State Farm $2,714 $3,215 $2,964 $2,964
USAA $2,024 $2,466 $4,266 $2,275

Find Cheap Fort Collins, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Collins, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,226
American Family $4,712
Farmers $5,030
GEICO $3,604
Liberty Mutual $2,561
Nationwide $4,523
Progressive $3,349
State Farm $2,964
USAA $4,266

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

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

Best Annual Auto Insurance Rates by Company in Fort Collins, Colorado

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

Find Cheap Fort Collins, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fort Collins, Colorado

Insurance Company Average Annual Rates
Allstate $4,353
American Family $3,439
Farmers $4,696
GEICO $2,797
Liberty Mutual $2,417
Nationwide $3,397
Progressive $3,672
State Farm $2,964
USAA $2,758

What affects Fort Collins, Colorado auto insurance rates?

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

Commute Times in Fort Collins

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fort Collins, CO is 20.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Fort Collins, CO

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

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