Cheapest Car Insurance In Fort Collins, CO 2025

State Farm offers the most affordable minimum coverage car insurance in Fort Collins, with an average monthly cost of $46.

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Updated: 18 February 2025
Written by Bob Phillips
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If you’re searching for the most affordable car insurance in Fort Collins, CO, you’ll find a wide range of options.

For basic liability coverage, State Farm stands out as the most budget-friendly choice. If you need full coverage, State Farm also provides the best rates. However, for young drivers, Colorado Farm Bureau Mutual offers the lowest premiums.

Cheapest Car Insurance In Fort Collins, CO

Cheapest Car Insurance, Fort Collins, 2025

Cheapest Liability-Only Car Insurance In Fort Collins: State Farm

State Farm offers the most affordable minimum coverage car insurance in Fort Collins, with an average monthly premium of $46.

Check out the table below to see how rates compare among different insurance companies.

Provider Average Monthly Cost Average Annual Cost
USAA $55 $660
GEICO $63 $756
State Farm $46 $552
Allstate $66 $792
American Family $58 $696

Cheapest Full Coverage Insurance Rates In Fort Collins: State Farm

State Farm offers the most affordable full coverage car insurance in Fort Collins, with an average monthly rate of $80.

The following table provides a comparison of average car insurance quotes from budget-friendly providers in Fort Collins.

Provider Average Monthly Cost Average Annual Cost
Root $125 $1,500
State Farm $80 $960
American Family $113 $1,356
GEICO $132 $1,584
USAA $110 $1,320

Cheapest Car Insurance Rates For Seniors: Safeco

Safeco offers the lowest car insurance rates for seniors in Fort Collins, with an average monthly cost of $65.

The table below compares average quotes from the most affordable auto insurance providers for seniors.

Provider Average Monthly Cost Average Annual Cost
NatGen Value $93 $1,116
State Farm $86 $1,032
Colorado Farm Bureau Mutual $105 $1,260
Safeco $65 $780
USAA $89 $1,068

Cheapest Rates In Fort Collins For Teenagers: Colorado Farm Bureau Mutual

Teen drivers in Fort Collins can get the most affordable insurance from Colorado Farm Bureau Mutual, with an average monthly premium of $95.

The table below highlights the insurance providers offering the lowest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
USAA $155 $1,860
Auto-Owners $223 $2,676
Colorado Farm Bureau Mutual $95 $1,140
Allstate $290 $3,480
State Farm $185 $2,220

Cheapest Auto Insurance For Young Adults in Fort Collins: NatGen Value

NatGen Value provides the most affordable car insurance for young adults in Fort Collins, with an average monthly rate of $125.

The table below allows you to compare the lowest auto insurance rates for young adults in Fort Collins.

Provider Average Monthly Cost Average Annual Cost
State Farm $144 $1,728
Colorado Farm Bureau Mutual $142 $1,704
USAA $150 $1,800
NatGen Value $125 $1,500
Dairyland Realtime $149 $1,788

Cheapest Car Insurance In Fort Collins For Good Drivers: State Farm

State Farm offers the lowest car insurance rates for good drivers in Fort Collins, with an average cost of $46 per month.

If you have a good driving record, the table below compares average quotes from the most budget-friendly insurers.

Provider Average Monthly Cost Average Annual Cost
GEICO $65 $780
State Farm $46 $552
Allstate $69 $828
American Family $60 $720
USAA $57 $684

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Cheapest Car Insurance In Fort Collins After A Speeding Ticket: State Farm

State Farm offers some of the lowest rates in Fort Collins, with an average monthly cost of $54 for drivers with a speeding ticket.

The table below provides a comparison of average insurance rates for drivers with a speeding violation.

Provider Average Monthly Cost Average Annual Cost
GEICO $79 $948
American Family $76 $912
State Farm $54 $648
Allstate $85 $1,020
USAA $70 $840

Cheapest For Drivers With After At-Fault Accident: State Farm

State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $58.

Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.

Provider Average Monthly Cost Average Annual Cost
USAA $73 $876
State Farm $58 $696
Allstate $86 $1,032
American Family $78 $936
Nationwide $90 $1,080

Cheapest Rates In Fort Collins For Drivers After A DUI: State Farm

State Farm offers the lowest rates for drivers with a DUI in Fort Collins, with an average monthly premium of $67.

Drivers in Fort Collins who have a DUI can find the most affordable rates in the table below.

Provider Average Monthly Cost Average Annual Cost
GEICO $100 $1,200
USAA $85 $1,020
Allstate $103 $1,236
State Farm $67 $804
American Family $92 $1,104

Best Car Insurance Companies In Fort Collins

State Farm offers the most affordable car insurance in Fort Collins, with an average monthly premium of $99. Other options to consider include Colorado Farm Bureau Mutual at $108 and USAA at $112 per month.

The table below lists the top 10 car insurance companies in Fort Collins, ranked by their average monthly rates.

Company Monthly Premium
State Farm $99
Colorado Farm Bureau Mutual $108
USAA $112
Allstate $126
GEICO $127
NatGen Value $131
American Family $135
Progressive $146
Auto-Owners $150
Safeco $170

Average Auto Insurance Rates In Fort Collins – By Age

Age plays a significant role in determining car insurance rates. Younger drivers tend to face higher premiums due to their inexperience and higher risk of accidents and violations. Teenagers typically pay around $2,220 annually for car insurance.

Rates generally start to drop once drivers reach 25, provided they have a clean driving record.

The best rates are usually available to drivers in their 50s and early 60s, as insurance companies view age as a measure of experience and risk, impacting premium costs.

Age Average Yearly Rate
Teenagers $2,220
20s $2,136
30s $1,524
40s $1,224
50s $1,020
60s $1,188
70s $1,212

Average Rates In Fort Collins – By Vehicle

The make, model, year, and body type of your vehicle are all important factors that affect your car insurance premiums. Generally, newer vehicles, especially luxury cars with advanced features and higher replacement costs, come with higher insurance rates.

The table below provides average insurance rates in Fort Collins for various types of 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?

Your city plays a major role in determining your car insurance rates. Insurance companies assess factors like accident likelihood, vehicle theft, and vandalism, which are typically more common in urban areas. This increased risk usually leads to higher premiums.

For instance, drivers in Aurora can expect to pay about $180 per month for car insurance, while those in Littleton average $147 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

Insurance companies use zip codes to assess crime rates in specific areas, which can impact your car insurance premiums. As a result, rates can vary by zip code.

The table below shows the average insurance rates for different zip codes in Fort Collins.

City Average Monthly Rate
80526 $140
80521 $126
80525 $120
80524 $108
80528 $145

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Our Methodology

Based on an extensive analysis that considers factors like customer service ratings, product options, pricing, and insights from various online reviews and user experiences, I've created a detailed overview of car insurance providers in Fort Collins, CO.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Fort Collins?

State Farm provides the lowest car insurance rates in Fort Collins, both for the minimum coverage required by the State of Colorado and for full coverage, which includes comprehensive and collision protection.

What is the average cost of car insurance in Fort Collins?

The average monthly cost of car insurance in Fort Collins is around $130. However, rates can vary depending on factors such as your zip code, the year and model of your car, and your driving record.

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