Buy Cheap Wray, CO Auto Insurance (2021)

Wray, CO auto insurance rates average $327 a month. Minimum auto insurance requirements in Wray, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Wray, CO, compare Wray 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 Wray, CO are $327/month
  • Average auto insurance rates in Wray, CO after a DUI are $4,669/year
  • The most expensive auto insurance company in Wray after a DUI is Allstate

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

See how Wray, CO car insurance rates compare to Denver auto insurance rates, Centennial auto insurance rates, and Arvada auto insurance rates before you read more about the cost of auto insurance in Wray.

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

Wray, CO Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Wray, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $5,683 $4,596 $4,370
GEICO $4,380 $3,638 $2,896
Liberty Mutual $3,662 $2,236 $1,785
Nationwide $4,899 $3,858 $3,367
Progressive $5,262 $4,434 $4,037
State Farm $4,652 $2,984 $2,402
USAA $5,346 $3,014 $2,405

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Wray, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $2,924 $2,904 $2,655 $2,847 $10,582 $10,662 $3,216 $3,276
GEICO $2,352 $2,541 $2,410 $2,682 $7,136 $7,588 $2,165 $2,234
Liberty Mutual $1,758 $1,724 $1,500 $1,645 $4,936 $5,368 $1,770 $1,785
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,966 $2,795 $2,491 $2,510 $9,058 $10,144 $3,365 $3,292
State Farm $2,167 $2,167 $1,916 $1,916 $5,863 $7,485 $2,411 $2,845
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Buy Cheap Wray, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wray, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $10,582 $10,662
GEICO $7,136 $7,588
Liberty Mutual $4,936 $5,368
Nationwide $6,746 $8,703
Progressive $9,058 $10,144
State Farm $5,863 $7,485
USAA $5,826 $6,723

Buy Cheap Wray, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wray, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,655 $2,847
GEICO $2,410 $2,682
Liberty Mutual $1,500 $1,645
Nationwide $2,404 $2,557
Progressive $2,491 $2,510
State Farm $1,916 $1,916
USAA $2,298 $2,340

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

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

Annual Auto Insurance Rates by Coverage Level in Wray, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,343 $4,821 $5,485
GEICO $3,349 $3,583 $3,984
Liberty Mutual $2,414 $2,550 $2,718
Nationwide $4,103 $4,041 $3,980
Progressive $4,336 $4,587 $4,810
State Farm $3,167 $3,347 $3,524
USAA $3,452 $3,588 $3,726

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Find Cheap Wray, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Wray, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $4,883 $4,883
GEICO $3,553 $3,724
Liberty Mutual $2,561 $2,561
Nationwide $4,041 $4,041
Progressive $4,578 $4,578
State Farm $3,265 $3,427
USAA $3,485 $3,692

Find Cheap Wray, CO Auto Insurance Rates by Driving Record

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

Annual Wray, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,132 $5,288 $5,217 $4,896
GEICO $2,600 $3,993 $4,523 $3,438
Liberty Mutual $2,237 $2,626 $2,733 $2,647
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,992 $5,410 $4,218 $4,691
State Farm $3,107 $3,585 $3,346 $3,346
USAA $2,644 $3,195 $5,527 $2,989

Find Cheap Wray, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wray, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,217
GEICO $4,523
Liberty Mutual $2,733
Nationwide $5,431
Progressive $4,218
State Farm $3,346
USAA $5,527

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

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

Best Annual Auto Insurance Rates by Company in Wray, Colorado

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

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Find Cheap Wray, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Wray, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $4,883
GEICO $3,638
Liberty Mutual $2,561
Nationwide $4,041
Progressive $4,578
State Farm $3,346
USAA $3,589

What affects Wray, Colorado auto insurance rates?

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

Commute Times in Wray

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Wray, CO is 16.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Wray, CO

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

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