Buy Cheap Howard, CO Auto Insurance (2021)

Howard, CO auto insurance rates average $308 a month. Minimum auto insurance requirements in Howard, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Howard, CO, compare Howard 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 Howard is Allstate
  • Average auto insurance rates in Howard, CO for teens drivers are $7,086/year
  • Average auto insurance rates in Howard, CO are $308/month

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

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

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

Howard, CO Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Howard, Colorado

Insurance Company Poor Fair Good
Allstate $6,983 $5,370 $4,058
American Family $4,610 $3,271 $2,742
Farmers $5,957 $4,835 $4,595
GEICO $3,559 $2,961 $2,363
Liberty Mutual $4,013 $2,436 $1,945
Nationwide $4,179 $3,306 $2,883
Progressive $4,248 $3,622 $3,325
State Farm $3,691 $2,374 $1,914
USAA $5,166 $2,924 $2,337

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Howard, 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 $3,387 $3,174 $3,030 $3,064 $11,501 $12,039 $3,764 $3,803
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $3,022 $2,997 $2,739 $2,946 $11,271 $11,360 $3,326 $3,373
GEICO $1,881 $2,054 $2,001 $2,276 $5,848 $6,167 $1,719 $1,742
Liberty Mutual $1,941 $1,910 $1,646 $1,805 $5,331 $5,806 $1,957 $1,987
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,305 $2,160 $1,993 $1,991 $7,677 $8,589 $2,602 $2,537
State Farm $1,685 $1,685 $1,506 $1,506 $4,759 $6,018 $1,882 $2,237
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

Buy Cheap Howard, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Howard, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,501 $12,039
American Family $5,867 $7,848
Farmers $11,271 $11,360
GEICO $5,848 $6,167
Liberty Mutual $5,331 $5,806
Nationwide $5,787 $7,409
Progressive $7,677 $8,589
State Farm $4,759 $6,018
USAA $5,735 $6,602

Buy Cheap Howard, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Howard, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,030 $3,064
American Family $2,184 $2,184
Farmers $2,739 $2,946
GEICO $2,001 $2,276
Liberty Mutual $1,646 $1,805
Nationwide $2,070 $2,189
Progressive $1,993 $1,991
State Farm $1,506 $1,506
USAA $2,214 $2,238

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

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

Annual Auto Insurance Rates by Coverage Level in Howard, Colorado

Insurance Company Low Medium High
Allstate $5,191 $5,453 $5,767
American Family $3,372 $3,615 $3,636
Farmers $4,532 $5,061 $5,795
GEICO $2,632 $2,898 $3,353
Liberty Mutual $2,647 $2,787 $2,960
Nationwide $3,455 $3,454 $3,458
Progressive $3,484 $3,742 $3,969
State Farm $2,506 $2,659 $2,814
USAA $3,336 $3,475 $3,616

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Find Cheap Howard, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Howard, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,470 $5,470
American Family $3,466 $3,616
Farmers $5,129 $5,129
GEICO $2,897 $3,025
Liberty Mutual $2,798 $2,798
Nationwide $3,456 $3,456
Progressive $3,732 $3,732
State Farm $2,596 $2,723
USAA $3,377 $3,575

Find Cheap Howard, CO Auto Insurance Rates by Driving Record

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

Annual Howard, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,675 $5,366 $6,552 $5,288
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,334 $5,563 $5,488 $5,131
GEICO $2,090 $3,256 $3,766 $2,731
Liberty Mutual $2,438 $2,866 $2,994 $2,894
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,242 $4,485 $3,420 $3,779
State Farm $2,453 $2,866 $2,660 $2,660
USAA $2,543 $3,088 $5,401 $2,871

Find Cheap Howard, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Howard, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,552
American Family $4,854
Farmers $5,488
GEICO $3,766
Liberty Mutual $2,994
Nationwide $4,607
Progressive $3,420
State Farm $2,660
USAA $5,401

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

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

Best Annual Auto Insurance Rates by Company in Howard, Colorado

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

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Find Cheap Howard, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Howard, Colorado

Insurance Company Average Annual Rates
Allstate $5,470
American Family $3,541
Farmers $5,129
GEICO $2,961
Liberty Mutual $2,798
Nationwide $3,456
Progressive $3,732
State Farm $2,660
USAA $3,476

What affects Howard, Colorado auto insurance rates?

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

Commute Times in Howard

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Howard, CO is 26.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Howard, CO

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

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