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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 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 |
Find Affordable Fort Collins Rates
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 |
Find Affordable Fort Collins Rates
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.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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.
