Buy Cheap Frederick, CO Auto Insurance (2022)

Frederick, CO auto insurance rates average $316 a month. Minimum auto insurance requirements in Frederick, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Frederick, CO, compare Frederick 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 Frederick, CO after a DUI are $4,480/year
  • Average auto insurance rates in Frederick, CO are $316/month
  • Average auto insurance rates in Frederick, CO for teens drivers are $7,454/year

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

See how Frederick, CO car insurance rates compare to Fort Collins auto insurance rates, Centennial auto insurance rates, and Colorado Springs auto insurance rates before you read more about the cost of auto insurance in Frederick.

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

Frederick, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Frederick, 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 Frederick, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Frederick, Colorado

Insurance Company Poor Fair Good
Allstate $6,599 $5,099 $3,844
American Family $4,646 $3,318 $2,787
Farmers $6,464 $5,305 $5,039
GEICO $3,620 $3,012 $2,403
Liberty Mutual $3,876 $2,378 $1,893
Nationwide $4,426 $3,509 $3,057
Progressive $4,891 $4,175 $3,828
State Farm $4,364 $2,808 $2,266
USAA $4,239 $2,443 $1,966

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Frederick, 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 $3,097 $2,884 $2,819 $2,843 $11,251 $11,851 $3,356 $3,344
American Family $2,450 $2,450 $2,212 $2,212 $5,928 $7,971 $2,450 $2,996
Farmers $3,159 $3,131 $2,846 $3,073 $12,710 $12,886 $3,492 $3,526
GEICO $1,913 $2,090 $2,031 $2,305 $5,947 $6,284 $1,748 $1,776
Liberty Mutual $1,795 $1,729 $1,529 $1,683 $5,435 $5,924 $1,810 $1,821
Nationwide $2,438 $2,478 $2,185 $2,305 $6,181 $7,890 $2,807 $3,028
Progressive $2,591 $2,423 $2,293 $2,278 $9,014 $10,061 $2,907 $2,819
State Farm $1,946 $1,946 $1,764 $1,764 $5,734 $7,245 $2,183 $2,584
USAA $1,918 $1,903 $1,845 $1,835 $4,885 $5,575 $2,453 $2,647

Buy Cheap Frederick, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Frederick, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,251 $11,851
American Family $5,928 $7,971
Farmers $12,710 $12,886
GEICO $5,947 $6,284
Liberty Mutual $5,435 $5,924
Nationwide $6,181 $7,890
Progressive $9,014 $10,061
State Farm $5,734 $7,245
USAA $4,885 $5,575

Buy Cheap Frederick, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Frederick, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,819 $2,843
American Family $2,212 $2,212
Farmers $2,846 $3,073
GEICO $2,031 $2,305
Liberty Mutual $1,529 $1,683
Nationwide $2,185 $2,305
Progressive $2,293 $2,278
State Farm $1,764 $1,764
USAA $1,845 $1,835

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

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

Annual Auto Insurance Rates by Coverage Level in Frederick, Colorado

Insurance Company Low Medium High
Allstate $4,849 $5,161 $5,532
American Family $3,388 $3,658 $3,705
Farmers $4,885 $5,519 $6,404
GEICO $2,691 $2,950 $3,394
Liberty Mutual $2,548 $2,705 $2,895
Nationwide $3,642 $3,667 $3,682
Progressive $3,880 $4,314 $4,702
State Farm $2,910 $3,148 $3,380
USAA $2,733 $2,882 $3,033

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Find Cheap Frederick, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Frederick, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,181 $5,181
American Family $3,507 $3,661
Farmers $5,603 $5,603
GEICO $2,947 $3,076
Liberty Mutual $2,716 $2,716
Nationwide $3,664 $3,664
Progressive $4,298 $4,298
State Farm $3,067 $3,225
USAA $2,802 $2,963

Find Cheap Frederick, CO Auto Insurance Rates by Driving Record

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

Annual Frederick, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,386 $5,079 $6,259 $4,998
American Family $2,651 $3,764 $4,915 $3,005
Farmers $4,723 $6,097 $6,010 $5,581
GEICO $2,127 $3,307 $3,832 $2,780
Liberty Mutual $2,382 $2,788 $2,887 $2,806
Nationwide $2,824 $3,850 $4,877 $3,105
Progressive $3,706 $5,259 $3,911 $4,318
State Farm $2,884 $3,408 $3,146 $3,146
USAA $2,106 $2,576 $4,481 $2,368

Find Cheap Frederick, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Frederick, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,259
American Family $4,915
Farmers $6,010
GEICO $3,832
Liberty Mutual $2,887
Nationwide $4,877
Progressive $3,911
State Farm $3,146
USAA $4,481

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

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

Best Annual Auto Insurance Rates by Company in Frederick, 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 Frederick, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Frederick, Colorado

Insurance Company Average Annual Rates
Allstate $5,181
American Family $3,584
Farmers $5,603
GEICO $3,012
Liberty Mutual $2,716
Nationwide $3,664
Progressive $4,298
State Farm $3,146
USAA $2,883

What affects Frederick, Colorado auto insurance rates?

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

Commute Times in Frederick

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Frederick, CO is 33.3 minutes according to City-Data.

Traffic in Frederick

How is traffic in Frederick, Colorado? Inrix data shows that Frederick, CO traffic makes it the 723rd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Frederick, CO

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

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