Buy Cheap Ophir, CO Auto Insurance (2021)

Ophir, CO auto insurance rates average $309 a month. Minimum auto insurance requirements in Ophir, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Ophir, CO, compare Ophir 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 Ophir is Allstate
  • The most expensive auto insurance company in Ophir after a DUI is Allstate
  • Average auto insurance rates in Ophir, CO are $309/month

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

See how Ophir, CO car insurance rates compare to Colorado Springs auto insurance rates, Pueblo auto insurance rates, and Greeley auto insurance rates before you read more about the cost of auto insurance in Ophir.

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

Ophir, CO Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Ophir, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,796 $4,715 $4,478
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,058 $2,457 $1,963
Nationwide $4,239 $3,346 $2,918
Progressive $4,572 $3,899 $3,582
State Farm $4,217 $2,707 $2,181
USAA $4,757 $2,700 $2,160

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ophir, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $2,903 $2,873 $2,628 $2,833 $11,099 $11,181 $3,206 $3,247
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $1,951 $1,947 $1,635 $1,790 $5,385 $5,887 $1,978 $2,036
Nationwide $2,342 $2,393 $2,090 $2,217 $5,853 $7,521 $2,684 $2,907
Progressive $2,467 $2,308 $2,124 $2,121 $8,299 $9,307 $2,793 $2,726
State Farm $1,928 $1,928 $1,720 $1,720 $5,412 $6,871 $2,152 $2,549
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Buy Cheap Ophir, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ophir, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $11,099 $11,181
GEICO $5,555 $5,909
Liberty Mutual $5,385 $5,887
Nationwide $5,853 $7,521
Progressive $8,299 $9,307
State Farm $5,412 $6,871
USAA $5,325 $6,108

Buy Cheap Ophir, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ophir, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,628 $2,833
GEICO $1,866 $2,072
Liberty Mutual $1,635 $1,790
Nationwide $2,090 $2,217
Progressive $2,124 $2,121
State Farm $1,720 $1,720
USAA $2,042 $2,056

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

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

Annual Auto Insurance Rates by Coverage Level in Ophir, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $4,404 $4,928 $5,657
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,702 $2,818 $2,958
Nationwide $3,554 $3,498 $3,451
Progressive $3,772 $4,028 $4,255
State Farm $2,854 $3,036 $3,215
USAA $3,077 $3,205 $3,334

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Find Cheap Ophir, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Ophir, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $4,996 $4,996
GEICO $2,763 $2,890
Liberty Mutual $2,826 $2,826
Nationwide $3,501 $3,501
Progressive $4,018 $4,018
State Farm $2,961 $3,109
USAA $3,115 $3,296

Find Cheap Ophir, CO Auto Insurance Rates by Driving Record

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

Annual Ophir, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $4,212 $5,424 $5,353 $4,997
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,461 $2,890 $3,029 $2,924
Nationwide $2,683 $3,679 $4,683 $2,958
Progressive $3,490 $4,828 $3,683 $4,071
State Farm $2,803 $3,267 $3,035 $3,035
USAA $2,344 $2,849 $4,987 $2,642

Find Cheap Ophir, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ophir, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $5,353
GEICO $3,517
Liberty Mutual $3,029
Nationwide $4,683
Progressive $3,683
State Farm $3,035
USAA $4,987

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

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

Best Annual Auto Insurance Rates by Company in Ophir, Colorado

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

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Find Cheap Ophir, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ophir, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,996
GEICO $2,827
Liberty Mutual $2,826
Nationwide $3,501
Progressive $4,018
State Farm $3,035
USAA $3,206

What affects Ophir, Colorado auto insurance rates?

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

Commute Times in Ophir

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ophir, CO is 29.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Ophir, CO

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

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