Cheapest Auto Insurance in Fort Collins, Colorado (2024)
With a monthly liability rate of $40, State Farm has the cheapest car insurance in Fort Collins.
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Written byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Edited byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Located in Northern Colorado, Fort Collins is known for its 1800s-era Old Town, greenspaces like Lory State Park, and craft beer. Fort Collins drivers pay an average of $137 per month for car insurance, which is less than the statewide monthly average of $158 and the national average of $154 per month.
The city’s smaller population size compared to cities like Denver and Colorado Springs could partly explain its lower rates.
Here’s what you should know about comparing rates and finding cheap car insurance in Fort Collins.
Quick Facts
The average cost of car insurance in Fort Collins is $84 per month for liability-only coverage and $190 per month for full coverage.
State Farm, USAA, and American Family have the cheapest car insurance in Fort Collins.
Fort Collins reported that teens account for 5% of licensed drivers in the city but are involved in 15% of crashes.[1]
3 of the cheapest car insurance companies in Fort Collins
When shopping for the cheapest car insurance in Fort Collins, remember that coverage options and discounts are just as important as finding the lowest rates. In most cases, the insurer that meets your specific needs will be the best option, compared to companies with lower rates that don’t fit your driving history and needs.
Here are some of the top insurance companies in Fort Collins for you to start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $97 | $46 | Liability-only coverage |
| USAA | 9.4 | $125 | $59 | Military members |
| American Family | 9.1 | $134 | $63 | Families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $86/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With lower-than-average rates for car insurance in Fort Collins, State Farm is a good choice for drivers who want liability-only or full-coverage policies. One way to get potentially low rates is through its Personal Price Plan, which involves customizing coverage options and choosing relevant discounts. The largest U.S. auto insurer by market share, State Farm offers limited discounts compared to competitors, and some — such as the Drive Safe & Save telematics app — could increase or decrease between policy terms.
Pros
AM Best financial strength rating of A++ (Superior), the highest level possible
Personal Price Plan for customized coverage
Cons
Higher-than-average numbers of complaints with the National Association of Insurance Commissioners (NAIC) for a company of its size
Telematics app discount could fluctuate based on driving habits
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Getting an auto insurance quote from USAA is more difficult than competitors because USAA insurance products are only available to active-duty military members, veterans, and their families. But this strict membership requirement comes with benefits. Insurance products include everything from business and health insurance to travel insurance and pet insurance. Members can also take advantage of banking and financial services, and discounts, including those for car rentals, home security, and hotels.
Pros
Multiple insurance products
Unique member benefits
Cons
Coverage restricted to members of the military community
Limited customer service hours
Best insurer for families: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family offers car insurance in 19 states, including Colorado. Drivers can take advantage of various discounts, like safe driver, young driver, safety features, and billing discounts. Fort Collins drivers can also benefit from reduced rates by bundling auto insurance with renters, motorcycle, home insurance, and other insurance products.
Pros
Numerous discounts
Multiple bundling options
Cons
Only available in 19 states
Most NAIC complaints in Colorado
How to get the cheapest car insurance in Fort Collins
Qualifying for discounts isn’t the only way you can get an affordable policy that meets your specific needs. Follow these tips while you shop for car insurance:
Ask about bundling. Depending on your marital status, homeowner needs, and family life, you may be able to get a discount by buying your auto, home, life, or other insurance policy through the same insurer.
Shop for quotes. While searching for car insurance, get quotes from at least three different insurance companies at the same coverage level to find the one that offers the best rates.
Reconsider coverage. If the cost of a full-coverage policy’s annual premium is more than your vehicle ’s value, you can drop some optional coverages, such as collision and comprehensive, that add to the cost of your policy.
Raise your deductible. Lowering your comprehensive and collision deductible amounts could help reduce your premium.
Find Car Insurance in Fort Collins
Liability rates start at $40 per month
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Cheapest liability-only car insurance in Fort Collins: State Farm
Whether you cause a fender bender in Loveland or sideswipe a parked car in Colorado Springs, you’ll need liability-only insurance to cover the damages you cause.
Liability-only insurance meets the minimum coverage that Colorado state law requires. This insurance product only covers damages and injuries you cause another person, vehicle, or property — not your own damages or injuries.
Liability insurance in Fort Collins costs $84 per month, on average.
Here are the cheapest car insurance companies for liability insurance in Fort Collins.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $40 |
| USAA | $51 |
| American Family | $55 |
| GEICO | $61 |
| Allstate | $62 |
| Nationwide | $66 |
| Root | $66 |
| Sun Coast | $66 |
| Progressive | $70 |
| Auto-Owners | $71 |
| The General | $76 |
| Bristol West | $82 |
| Safeco | $95 |
| Dairyland | $98 |
| Foremost | $100 |
| Travelers | $100 |
| Farmers | $105 |
| Direct Auto | $109 |
| National General | $127 |
| Liberty Mutual | $169 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Collins: State Farm
If you’re driving through Northern Colorado and hit a deer, for example, liability-only insurance won’t cover the damages, but a full-coverage policy likely will.
While insurers have no strict definition for full-coverage insurance, many of them design a full-coverage insurance policy to include liability, plus collision and comprehensive coverage: two insurance products that pay for damages to your car, even if you caused them.
Fort Collins drivers pay a monthly average of $190 for full-coverage insurance.
Here are the average monthly car insurance company quotes for full coverage in Fort Collins.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $86 |
| USAA | $111 |
| Root | $118 |
| American Family | $119 |
| GEICO | $131 |
| Allstate | $133 |
| Nationwide | $142 |
| Progressive | $151 |
| Auto-Owners | $153 |
| Sun Coast | $159 |
| Safeco | $172 |
| The General | $203 |
| Bristol West | $206 |
| Travelers | $216 |
| Farmers | $225 |
| Dairyland | $231 |
| National General | $252 |
| Direct Auto | $253 |
| Liberty Mutual | $271 |
| Foremost | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fort Collins, Colorado
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $97/mo for full coverage in Fort Collins and other Colorado cities.
*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Fort Collins drivers should know that Colorado was a no-fault state but transitioned to an at-fault state in 2003. In an at-fault state, the driver who caused the car accident is responsible for paying for the other parties’ damages and injuries, usually through their liability insurance policy.
But Colorado also uses comparative fault, so any shared fault for the accident can reduce your compensation for damages and injuries. For example, if you’re 20% at fault for an accident, your compensation will be 20% less.[2]
Here are Colorado’s minimum car insurance requirements:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person per accident / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Fort Collins drivers may want additional coverage that reimburses them when their own vehicles sustain damage. For example, the Poudre River is subject to flooding; without comprehensive insurance, you’d pay for vehicle damages from flooding out of pocket.
Consider these optional coverages for more protection:
Comprehensive coverage
Comprehensive insurance covers non-collision damages, like theft, severe weather, flooding, fires, vandalism, and falling objects.
Collision coverage
Collision insurance kicks in to pay for damages when you hit a stationary object or another vehicle, regardless of fault. It can also pay for damage from rollover accidents or hitting a pothole.
Uninsured/underinsured motorist coverage
If a driver without coverage or who has insufficient coverage hits you, uninsured/underinsured motorist coverage pays for the damages that they cause. Colorado requires insurers to offer this coverage to all drivers, but if you don't want it, you can decline it in writing.
Medical payments coverage
Similar to personal injury protection (PIP), medical payments insurance pays for medical bills and injuries from an accident. Colorado requires auto insurers to offer at least $5,000 of this coverage to all drivers, but you can decline it in writing if you don't want it.
Gap insurance
If you total a vehicle that you've leased or financed, your insurance settlement could be less than the amount you still owe on the vehicle. Gap insurance can cover the difference between your loan or lease balance and your settlement amount if your car is totaled.
Accident forgiveness
An optional coverage you may be able to add to your policy when you buy it, accident forgiveness can keep your premium from rising after your first at-fault accident. You'll generally need a clean driving record for at least three years to qualify for this coverage.
Cheapest car insurance for drivers with an incident
Incidents on your driving record can cause your insurance rates to increase for several years. Some of these incidents may be traffic violations, such as speeding tickets or moving violations. Others may be more serious, like at-fault car accidents and driving under the influence.
DUIs and at-fault accidents typically raise your rates the most, though you may also see a significant premium increase if you have a history of speeding on your motor vehicle record. Here are the cheapest car insurance companies for drivers in Fort Collins who have incidents on their driving record.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speed plays a major role in car accidents in the Centennial State. It’s the leading cause of death on Colorado roadways, and the fatality rate has risen since 2018. More than one-third of crashes happen on non-interstate rural roads and urban interstates.[4]
Regardless of where you’re driving, you should follow the posted speed limit. It’s also a good idea to decrease your speed when driving through areas of road work or during severe weather.
Fort Collins drivers with a speeding ticket pay $121 per month for liability insurance and $274 per month for full-coverage insurance, on average.
The table below shows liability-only quotes from the cheapest insurance companies for drivers in Fort Collins with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $40 | $52 |
| USAA | $51 | $67 |
| American Family | $55 | $73 |
| GEICO | $61 | $81 |
| Allstate | $62 | $82 |
| Nationwide | $66 | $88 |
| Root | $66 | $93 |
| Sun Coast | $66 | $95 |
| Progressive | $70 | $92 |
| Auto-Owners | $71 | $95 |
| The General | $76 | $102 |
| Bristol West | $82 | $109 |
| Safeco | $95 | $127 |
| Dairyland | $98 | $129 |
| Foremost | $100 | $142 |
| Travelers | $100 | $133 |
| Farmers | $105 | $138 |
| Direct Auto | $109 | $144 |
| National General | $127 | $168 |
| Liberty Mutual | $169 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Speed isn’t the only incident that can cause an accident. Although Fort Collins’ number of car crashes decreased by 20% in 2020 compared to 2019, severe crashes increased by 15% in that same time.[1] Any at-fault accident could increase your rates; even a minor collision with no injuries could result in a rate increase.
Liability insurance for drivers in Fort Collins with an accident costs an average of $117 per month.
If you have an at-fault accident on your record, check out these liability-only quotes from the cheapest insurance companies in Fort Collins to start your search.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $40 | $53 |
| USAA | $51 | $68 |
| American Family | $55 | $73 |
| GEICO | $61 | $81 |
| Allstate | $62 | $83 |
| Nationwide | $66 | $89 |
| Root | $66 | $94 |
| Sun Coast | $66 | $92 |
| Progressive | $70 | $94 |
| Auto-Owners | $71 | $95 |
| The General | $76 | $103 |
| Bristol West | $82 | $109 |
| Safeco | $95 | $126 |
| Dairyland | $98 | $129 |
| Foremost | $100 | $142 |
| Travelers | $100 | $134 |
| Farmers | $105 | $140 |
| Direct Auto | $109 | $149 |
| National General | $127 | $169 |
| Liberty Mutual | $169 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
In 2021, 4% of all crashes involved driving under the influence in Fort Collins. But this amount represents 10% of severe crashes and 31% of fatal crashes.[1]
It’s important to remember that a DUI in Colorado is driving with a blood alcohol concentration (BAC) of 0.08 or higher, and authorities can arrest you for driving while ability impaired (DWAI) with a BAC level as low as 0.05.[5] Regardless of whether or not you’re involved in an accident, drinking and driving is a high-risk behavior and likely to result in a substantial premium increase from your insurer for at least three years.
Fort Collins drivers with a DUI pay a monthly average of $134 for minimum-coverage policies. The price jumps to $303 per month for full-coverage insurance.
The following table shows liability-only quotes from the cheapest insurers for Fort Collins drivers with DUI convictions.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $40 | $65 |
| USAA | $51 | $83 |
| American Family | $55 | $89 |
| GEICO | $61 | $99 |
| Allstate | $62 | $101 |
| Nationwide | $66 | $107 |
| Root | $66 | $96 |
| Sun Coast | $66 | $105 |
| Progressive | $70 | $113 |
| Auto-Owners | $71 | $115 |
| The General | $76 | $123 |
| Bristol West | $82 | $133 |
| Safeco | $95 | $143 |
| Dairyland | $98 | $159 |
| Foremost | $100 | $162 |
| Travelers | $100 | $162 |
| Farmers | $105 | $170 |
| Direct Auto | $109 | $177 |
| National General | $127 | $206 |
| Liberty Mutual | $169 | $274 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
In both unimpaired accidents and DUI car crashes, senior drivers 75 and older in Fort Collins represent the lowest amount — less than 5%.[1] Even as drivers between the ages of 35 and 44 have a higher rate than the preceding age groups, drivers should actually see their rates decrease around age 25 and increase again around age 70 due to an enhanced risk of accidents.
Liability insurance costs $62 per month, on average, for senior drivers in Fort Collins.
Senior drivers may have age-related health issues that cause physical, cognitive, or visual impairments and contribute to an increased risk of crashes.[6] Here are the cheapest liability-only quotes in Fort Collins for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $63 | $29 |
| USAA | $84 | $38 |
| American Family | $88 | $41 |
| Root | $94 | $52 |
| GEICO | $98 | $46 |
| Nationwide | $100 | $46 |
| Allstate | $101 | $47 |
| Progressive | $102 | $47 |
| Auto-Owners | $114 | $53 |
| Sun Coast | $117 | $49 |
| Safeco | $139 | $77 |
| The General | $155 | $58 |
| Bristol West | $156 | $62 |
| Travelers | $159 | $74 |
| Farmers | $166 | $77 |
| Dairyland | $174 | $74 |
| National General | $181 | $91 |
| Direct Auto | $186 | $80 |
| Liberty Mutual | $215 | $134 |
| Foremost | $228 | $75 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
In Fort Collins, teen drivers are three times more likely to be in a car accident than other age groups.[1]
This tends to be a trend in many other states: The Insurance Institute for Highway Safety (IIHS) reports that teen drivers are almost four times more likely to be involved in a car crash than older drivers.[7] Inexperience and distractions are two significant factors, though it should also be noted that teens in Fort Collins are overrepresented in the number of alcohol-related crashes the age group experiences.[1]
These factors all lead to teen drivers paying higher auto insurance rates in Fort Collins. Teen drivers in Fort Collins pay monthly averages of $152 for liability coverage and $344 for full coverage.
Teen drivers and their policyholder parents should ask their insurer about discounts — such as good driving, good student, and defensive driver discounts — to lower rates. Teens can also save money by staying on their parents' car insurance. Minor teens won't be able to buy their own policy without written consent from a parent or guardian.
The table below shows the cheapest auto insurance companies for teens and young adults in Fort Collins.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $153 | $71 |
| Root | $182 | $102 |
| USAA | $192 | $88 |
| American Family | $212 | $98 |
| GEICO | $216 | $101 |
| Allstate | $244 | $114 |
| Nationwide | $256 | $119 |
| Auto-Owners | $265 | $123 |
| Progressive | $273 | $127 |
| Sun Coast | $288 | $119 |
| The General | $333 | $125 |
| Safeco | $341 | $188 |
| Bristol West | $358 | $143 |
| Dairyland | $385 | $163 |
| Travelers | $403 | $187 |
| Farmers | $406 | $189 |
| Direct Auto | $477 | $205 |
| Liberty Mutual | $480 | $299 |
| National General | $510 | $257 |
| Foremost | $553 | $183 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Fort Collins car insurance quotes by credit tier
Colorado insurers can legally consider your credit history when determining your insurance premium. But state law prohibits them from using this information solely as the determining factor of whether or not to give you an insurance policy.
In most cases, drivers with excellent or good credit scores receive better rates than drivers with poor credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Collins?
Car insurance in Fort Collins costs an average of $137 per month. Along with it being lower than the state average of $158 per month, it’s also lower than the national monthly average of $154.
While Fort Collins drivers have cheaper rates than many cities around the country and within Colorado, keep in mind that factors like your ZIP code’s accident rate, driving record, coverage level, and vehicle year, make, and model affect your car insurance rates. For example, Fort Collins had fewer motor vehicle thefts than Pueblo, Colorado, in 2019.[8]
More cities in Colorado
Compared to other cities in Colorado, Fort Collins tends to be cheaper than most, including major metro areas like Denver. See how rates compare in other Colorado cities in the table below.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Arvada | $202 | $103 |
| Broomfield | $206 | $98 |
| Colorado Springs | $231 | $100 |
| Denver | $247 | $108 |
| Greeley | $214 | $84 |
| Pueblo | $222 | $91 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Collins car insurance FAQs
Check out Insurify’s guide on how much car insurance you need while you shop for quotes, and read the answers to common questions about car insurance in Fort Collins.
How much is car insurance in Fort Collins?
The average cost of car insurance in Fort Collins is $84 per month for liability-only insurance and $190 per month for full coverage.
Which company has the cheapest car insurance in Fort Collins?
State Farm has the cheapest car insurance in Fort Collins, with monthly liability rates as low as $40. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $51 and $55.
But the cheapest insurer for you will depend on many individual rating factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fort Collins?
Some of the best car insurance companies in Fort Collins are American Family, State Farm, and USAA. These insurers have excellent J.D. Power customer satisfaction ratings in the Southwest region, superior AM Best financial strength ratings, and high Insurify Quality (IQ) Scores.
But the best insurance company for you depends on your needs and budget. Always compare different quotes from insurers to find the one that meets your needs at the best price.
How much car insurance should you have in Colorado?
Drivers in Colorado must purchase and maintain $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 per accident for property damage liability. But you can purchase higher limits and more coverages, like comprehensive and collision, to add insurance against vehicle damages.
What car insurance coverages are available in Fort Collins?
Fort Collins drivers will find almost nearly every type of auto insurance coverage available. This includes liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, rental reimbursement, rideshare, and gap coverages. What’s important is finding the auto insurance company that offers all the coverages you want at a price you can comfortably afford.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Colorado
Sources
- City of Fort Collins Traffic Operations. "2021 Annual Roadway Safety Report."
- Nolo. "Colorado Car Accident Laws and Statute of Limitations."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado Department of Transportation. "Excuses to speed don’t exist. Deaths do.."
- Colorado Department of Transportation. "Impaired Driving."
- III. "Senior driving safety and insurance tips."
- Insurance Institute for Highway Safety. "Teenagers."
- Federal Bureau of Investigation. "2019 Uniform Crime Report – Colorado."
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Courtney MikulskiSenior Editor, Auto
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.
Edited byNick Dauk
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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