Cheapest Car Insurance In Fort Collins, CO 2025
Drivers in Fort Collins can find the lowest minimum coverage rates with State Farm, which costs about $41 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re shopping for cheap car insurance in Fort Collins, CO, you’ll notice the options vary quite a bit.
For liability-only plans, State Farm has the most competitive rates. If you’re after full coverage, State Farm offers the best pricing. Meanwhile, NatGen Value is a smart option for young drivers.
Cheapest Car Insurance In Fort Collins, CO 2025
Cheapest Liability-Only Car Insurance In Fort Collins: State Farm
If you’re in Fort Collins and need minimum coverage, State Farm provides the best deal with an average cost of $41 each month.
Take a look at the table to easily compare car insurance prices from different companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $41 | $492 |
| USAA | $52 | $624 |
| GEICO | $63 | $756 |
| Allstate | $66 | $792 |
| American Family | $56 | $672 |
Cheapest Full Coverage Insurance Rates In Fort Collins: State Farm
State Farm stands out in Fort Collins for low-cost full coverage car insurance, with quotes averaging $83 per month.
Check out the table below to see what affordable auto insurance companies are charging in Fort Collins.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $83 | $996 |
| Auto-Owners | $146 | $1,752 |
| American Family | $113 | $1,356 |
| GEICO | $125 | $1,500 |
| USAA | $104 | $1,248 |
Cheapest Car Insurance Rates For Seniors: Safeco
The cheapest car insurance option for seniors in Fort Collins is Safeco, with rates averaging $70 each month.
The following table highlights average quotes from top low-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $70 | $1,116 |
| State Farm | $86 | $1,032 |
| Colorado Farm Bureau Mutual | $100 | $1,200 |
| NatGen Value | $91 | $1,092 |
| USAA | $89 | $1,068 |
Cheapest Rates In Fort Collins For Teenagers: Colorado Farm Bureau Mutual
For teens in Fort Collins, Colorado Farm Bureau Mutual has the cheapest car insurance rates, with monthly premiums averaging $92.
The following table lists the insurance providers with the best prices for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau Mutual | $92 | $1,104 |
| Auto-Owners | $220 | $2,640 |
| USAA | $154 | $1,848 |
| Allstate | $290 | $3,480 |
| State Farm | $190 | $2,280 |
Cheapest Auto Insurance For Young Adults in Fort Collins: NatGen Value
The cheapest insurance for young adults in Fort Collins comes from NatGen Value, with an average cost of $126 each month.
The following table helps you compare the best insurance rates for young adults in Fort Collins.
| Provider | Average Monthly Cost | Average Annual Cost |
| NatGen Value | $126 | $1,512 |
| Colorado Farm Bureau Mutual | $142 | $1,704 |
| USAA | $148 | $1,776 |
| State Farm | $141 | $1,692 |
| Dairyland Realtime | $147 | $1,764 |
Cheapest Car Insurance In Fort Collins For Good Drivers: State Farm
Safe drivers in Fort Collins will find the best deal with State Farm, which charges about $41 a month on average.
Safe drivers can check the table below to find average quotes from the most affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $41 | $492 |
| USAA | $52 | $624 |
| GEICO | $63 | $756 |
| Allstate | $66 | $792 |
| American Family | $56 | $672 |
Find Affordable Fort Collins Rates
Cheapest Car Insurance In Fort Collins After A Speeding Ticket: State Farm
In Fort Collins, State Farm offers competitive rates, averaging $55 per month for drivers with a speeding violation.
The following table provides average insurance quotes for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $55 | $660 |
| American Family | $74 | $888 |
| Nationwide | $88 | $1,056 |
| Allstate | $81 | $972 |
| Auto-Owners | $94 | $1,128 |
Cheapest For Drivers With After At-Fault Accident: State Farm
With an average cost of $57 per month, State Farm has the best car insurance rates for drivers with an at-fault incident.
Check out the car insurance providers below for the best rates if you have an at-fault accident on your record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $57 | $684 |
| American Family | $73 | $876 |
| Allstate | $84 | $1,008 |
| Progressive | $94 | $1,128 |
| Nationwide | $89 | $1,068 |
Cheapest Rates In Fort Collins For Drivers After A DUI: State Farm
After a DUI, Fort Collins drivers can find the lowest car insurance rates with State Farm, which averages $64 monthly.
Check the table below for the best car insurance rates for drivers with a DUI in Fort Collins.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $64 | $768 |
| USAA | $81 | $972 |
| Allstate | $97 | $1,164 |
| Auto-Owners | $110 | $1,320 |
| American Family | $87 | $1,044 |
Best Car Insurance Companies In Fort Collins
State Farm offers the best value in Fort Collins at $41 a month for insurance. You might also check out USAA at $52 a month or American Family at $56.
Here are the top 10 car insurance providers in Fort Collins, CO, ordered by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $41 |
| USAA | $52 |
| GEICO | $63 |
| Allstate | $66 |
| American Family | $56 |
| Nationwide | $67 |
| Progressive | $69 |
| Auto-Owners | $71 |
| Safeco | $99 |
| Travelers | $101 |
Average Auto Insurance Rates In Fort Collins – By Age
Age is a key factor when calculating car insurance premiums. Since younger drivers are more likely to get into accidents, they often face higher rates. Teenagers, in particular, pay around $2,181 per year for insurance.
Insurance rates generally begin to lower around age 25, as long as drivers have a clean driving history.
Insurance rates are usually most competitive for drivers in their 50s and early 60s. Insurance companies rely on age to measure experience and risk, which affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,181 |
| 20s | $2,126 |
| 30s | $1,544 |
| 40s | $1,243 |
| 50s | $1,036 |
| 60s | $1,207 |
| 70s | $1,227 |
Average Rates In Fort Collins – By Vehicle
The car you drive influences your insurance premiums significantly. Insurers take into account the make, model, year, and body type. Newer cars, especially luxury models with advanced technology and higher replacement costs, usually result in higher insurance rates.
The table below lists the average car insurance rates in Fort Collins for different vehicles.
| Vehicle | Average Monthly Rate |
| Ford F150 | $210 |
| Honda Odyssey | $141 |
| Nissan Titan | $183 |
| Jeep Grand Cherokee | $110 |
| Audi A7 | $172 |
How Much Is Car Insurance In Other Cities in Colorado?
The city you reside in can impact your car insurance premiums. Insurers take into account factors like the likelihood of accidents, theft, and vandalism, which are generally more prevalent in urban areas and often lead to higher rates.
Drivers in Aurora usually pay around $180 per month for car insurance, while in Grand Junction, the average rate is $116 per month.
| City | Average Monthly Rate |
| Aurora | $180 |
| Littleton | $147 |
| Arvada | $135 |
| Grand Junction | $116 |
| Boulder | $133 |
| Greeley | $128 |
| Broomfield | $132 |
| Denver | $167 |
| Colorado Springs | $170 |
| Englewood | $154 |
Average Cost Of Auto Insurance In Fort Collins – By Zip Code
Zip codes help insurance companies assess local crime rates, meaning each zip code has its own set of car insurance rates.
The table below lists the average car insurance rates for different Fort Collins zip codes.
| City | Average Monthly Rate |
| 80526 | $140 |
| 80521 | $126 |
| 80525 | $120 |
| 80524 | $108 |
| 80528 | $145 |
Find Affordable Fort Collins Rates
Our Methodology
Through a thorough evaluation of factors such as customer service, pricing, product offerings, and user reviews, I’ve developed a comprehensive perspective on car insurance providers in Fort Collins, CO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Fort Collins?
The most affordable minimum coverage in Fort Collins comes from State Farm, while State Farm offers the cheapest full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Fort Collins?
In Fort Collins, the average cost of car insurance is around $120 per month, with rates depending on factors like your zip code, car’s make and model, and your driving record.
