Buy Cheap Montrose, CO Auto Insurance (2021)

Montrose, CO auto insurance rates average $285 a month. Minimum auto insurance requirements in Montrose, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Montrose, CO, compare Montrose auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Montrose, CO for teens drivers are $6,554/year
  • Average auto insurance rates in Montrose, CO after a DUI are $4,078/year
  • The most expensive auto insurance company in Montrose is Allstate

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

See how Montrose, CO car insurance rates compare to Aurora auto insurance rates, Pueblo auto insurance rates, and Boulder auto insurance rates before you read more about the cost of auto insurance in Montrose.

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

Montrose, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Montrose, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Montrose, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Montrose, Colorado

Insurance Company Poor Fair Good
Allstate $6,681 $5,139 $3,888
American Family $4,556 $3,246 $2,721
Farmers $5,346 $4,266 $4,049
GEICO $2,588 $2,160 $1,732
Liberty Mutual $3,887 $2,360 $1,887
Nationwide $3,706 $2,939 $2,563
Progressive $4,020 $3,436 $3,161
State Farm $3,947 $2,536 $2,044
USAA $4,679 $2,660 $2,129

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montrose, 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 $3,258 $3,055 $2,913 $2,947 $10,949 $11,475 $3,622 $3,666
American Family $2,397 $2,397 $2,164 $2,164 $5,807 $7,794 $2,397 $2,941
Farmers $2,751 $2,712 $2,514 $2,741 $9,955 $9,823 $2,978 $2,957
GEICO $1,362 $1,492 $1,443 $1,637 $4,284 $4,539 $1,249 $1,272
Liberty Mutual $1,883 $1,871 $1,586 $1,738 $5,147 $5,618 $1,904 $1,946
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,169 $2,030 $1,881 $1,876 $7,322 $8,197 $2,449 $2,387
State Farm $1,773 $1,773 $1,596 $1,596 $5,148 $6,506 $1,986 $2,359
USAA $2,124 $2,131 $2,017 $2,032 $5,229 $6,000 $2,732 $2,984

Buy Cheap Montrose, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montrose, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,949 $11,475
American Family $5,807 $7,794
Farmers $9,955 $9,823
GEICO $4,284 $4,539
Liberty Mutual $5,147 $5,618
Nationwide $5,148 $6,579
Progressive $7,322 $8,197
State Farm $5,148 $6,506
USAA $5,229 $6,000

Buy Cheap Montrose, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montrose, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,913 $2,947
American Family $2,164 $2,164
Farmers $2,514 $2,741
GEICO $1,443 $1,637
Liberty Mutual $1,586 $1,738
Nationwide $1,839 $1,943
Progressive $1,881 $1,876
State Farm $1,596 $1,596
USAA $2,017 $2,032

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

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

Annual Auto Insurance Rates by Coverage Level in Montrose, Colorado

Insurance Company Low Medium High
Allstate $4,998 $5,220 $5,490
American Family $3,339 $3,580 $3,603
Farmers $3,922 $4,482 $5,258
GEICO $1,957 $2,124 $2,399
Liberty Mutual $2,581 $2,704 $2,851
Nationwide $3,080 $3,067 $3,061
Progressive $3,310 $3,548 $3,759
State Farm $2,656 $2,844 $3,027
USAA $3,024 $3,155 $3,288

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Montrose, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Montrose, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,236 $5,236
American Family $3,432 $3,583
Farmers $4,554 $4,554
GEICO $2,117 $2,203
Liberty Mutual $2,712 $2,712
Nationwide $3,069 $3,069
Progressive $3,539 $3,539
State Farm $2,773 $2,912
USAA $3,067 $3,245

Find Cheap Montrose, CO Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Montrose, Colorado

ZIP Code Average Annual Rates
81401 $3,141
81403 $3,143

Find Cheap Montrose, CO Auto Insurance Rates by Driving Record

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

Annual Montrose, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,479 $5,131 $6,269 $5,064
American Family $2,592 $3,688 $4,811 $2,940
Farmers $3,842 $4,945 $4,888 $4,540
GEICO $1,528 $2,371 $2,762 $1,979
Liberty Mutual $2,362 $2,776 $2,905 $2,804
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,076 $4,259 $3,244 $3,578
State Farm $2,612 $3,073 $2,842 $2,842
USAA $2,313 $2,809 $4,894 $2,607

Find Cheap Montrose, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montrose, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,269
American Family $4,811
Farmers $4,888
GEICO $2,762
Liberty Mutual $2,905
Nationwide $4,083
Progressive $3,244
State Farm $2,842
USAA $4,894

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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

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

Best Annual Auto Insurance Rates by Company in Montrose, Colorado

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

Find Cheap Montrose, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Montrose, Colorado

Insurance Company Average Annual Rates
Allstate $5,236
American Family $3,508
Farmers $4,554
GEICO $2,160
Liberty Mutual $2,712
Nationwide $3,069
Progressive $3,539
State Farm $2,842
USAA $3,156

What affects Montrose, Colorado auto insurance rates?

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

Commute Times in Montrose

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Montrose, CO

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption