Buy Cheap Highlands Ranch, CO Auto Insurance (2021)

Highlands Ranch, CO auto insurance rates average $322 a month. Minimum auto insurance requirements in Highlands Ranch, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Highlands Ranch, CO, compare Highlands Ranch 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 Highlands Ranch is Allstate
  • The most expensive auto insurance company in Highlands Ranch after a DUI is Allstate
  • Average auto insurance rates in Highlands Ranch, CO for teens drivers are $7,628/year

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

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

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

Highlands Ranch, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Highlands Ranch, 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 Highlands Ranch, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Highlands Ranch, Colorado

Insurance Company Poor Fair Good
Allstate $6,973 $5,391 $4,062
American Family $4,796 $3,426 $2,878
Farmers $5,998 $4,898 $4,652
GEICO $3,829 $3,184 $2,538
Liberty Mutual $4,095 $2,534 $2,011
Nationwide $4,471 $3,549 $3,090
Progressive $4,469 $3,841 $3,540
State Farm $4,851 $3,125 $2,524
USAA $4,657 $2,678 $2,153

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Highlands Ranch, 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 $3,262 $3,037 $2,965 $2,992 $11,914 $12,563 $3,540 $3,529
American Family $2,530 $2,530 $2,283 $2,283 $6,122 $8,233 $2,530 $3,091
Farmers $2,948 $2,924 $2,661 $2,884 $11,722 $11,844 $3,234 $3,245
GEICO $1,987 $2,184 $2,156 $2,485 $6,354 $6,679 $1,809 $1,815
Liberty Mutual $1,800 $1,726 $1,536 $1,696 $6,044 $6,597 $1,820 $1,822
Nationwide $2,455 $2,494 $2,201 $2,319 $6,273 $7,998 $2,832 $3,053
Progressive $2,344 $2,184 $2,075 $2,061 $8,401 $9,357 $2,633 $2,546
State Farm $2,141 $2,141 $1,954 $1,954 $6,439 $8,112 $2,406 $2,851
USAA $2,096 $2,079 $2,013 $2,002 $5,382 $6,141 $2,687 $2,901

Buy Cheap Highlands Ranch, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Highlands Ranch, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,914 $12,563
American Family $6,122 $8,233
Farmers $11,722 $11,844
GEICO $6,354 $6,679
Liberty Mutual $6,044 $6,597
Nationwide $6,273 $7,998
Progressive $8,401 $9,357
State Farm $6,439 $8,112
USAA $5,382 $6,141

Buy Cheap Highlands Ranch, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Highlands Ranch, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,965 $2,992
American Family $2,283 $2,283
Farmers $2,661 $2,884
GEICO $2,156 $2,485
Liberty Mutual $1,536 $1,696
Nationwide $2,201 $2,319
Progressive $2,075 $2,061
State Farm $1,954 $1,954
USAA $2,013 $2,002

Find Cheap Auto Insurance Rates in Highlands Ranch, CO by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Highlands Ranch, Colorado

Insurance Company Low Medium High
Allstate $5,144 $5,455 $5,826
American Family $3,491 $3,777 $3,833
Farmers $4,462 $5,097 $5,989
GEICO $2,792 $3,113 $3,646
Liberty Mutual $2,697 $2,870 $3,074
Nationwide $3,688 $3,708 $3,714
Progressive $3,607 $3,966 $4,277
State Farm $3,219 $3,502 $3,779
USAA $3,004 $3,163 $3,321

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Find Cheap Highlands Ranch, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Highlands Ranch, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,475 $5,475
American Family $3,620 $3,780
Farmers $5,183 $5,183
GEICO $3,119 $3,248
Liberty Mutual $2,880 $2,880
Nationwide $3,703 $3,703
Progressive $3,950 $3,950
State Farm $3,412 $3,588
USAA $3,074 $3,252

Find Cheap Highlands Ranch, CO Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Highlands Ranch, Colorado

ZIP Code Average Annual Rates
80126 $3,573
80129 $3,590
80130 $3,553

Find Cheap Highlands Ranch, CO Auto Insurance Rates by Driving Record

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

Annual Highlands Ranch, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,631 $5,366 $6,622 $5,282
American Family $2,738 $3,882 $5,077 $3,104
Farmers $4,376 $5,641 $5,561 $5,153
GEICO $2,221 $3,503 $4,125 $2,886
Liberty Mutual $2,541 $2,962 $3,046 $2,972
Nationwide $2,857 $3,891 $4,925 $3,140
Progressive $3,408 $4,837 $3,594 $3,962
State Farm $3,198 $3,802 $3,500 $3,500
USAA $2,303 $2,823 $4,932 $2,593

Find Cheap Highlands Ranch, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Highlands Ranch, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,622
American Family $5,077
Farmers $5,561
GEICO $4,125
Liberty Mutual $3,046
Nationwide $4,925
Progressive $3,594
State Farm $3,500
USAA $4,932

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

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

Best Annual Auto Insurance Rates by Company in Highlands Ranch, 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 Highlands Ranch, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Highlands Ranch, Colorado

Insurance Company Average Annual Rates
Allstate $5,475
American Family $3,700
Farmers $5,183
GEICO $3,184
Liberty Mutual $2,880
Nationwide $3,703
Progressive $3,950
State Farm $3,500
USAA $3,163

What affects Highlands Ranch, Colorado auto insurance rates?

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

Commute Times in Highlands Ranch

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Highlands Ranch, CO is 25.8 minutes according to City-Data.

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Compare Auto Insurance Quotes in Highlands Ranch, CO

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

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