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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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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Cheapest recent rates near Fort Collins, Colorado
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $109/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $129 per month for car insurance, which is less than the statewide monthly average of $159 and the national average of $158 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 $79 per month for liability-only coverage and $178 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
$101
$47
Liability-only coverage
USAA
9.4
$130
$61
Military members
American Family
9.1
$139
$65
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
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.
$85/mo
4.2
Best choiceBased on 8831 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 (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
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.
$109/mo
4.9
Best choiceBased on 1573 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 (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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
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.
$116/mo
4.5
Best choiceBased on 380 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 (204)
Thad
October 29, 2024
Verified Review
Great
They will work with you to help you get the best coverage for your dollar.
William
October 28, 2024
Verified Review
Price
The rates increase with every renewal period.
Karla
October 23, 2024
Verified Review
Experience
They were good, but my insurance kept increasing. It just became too expensive.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.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
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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $79 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$40
USAA
$51
American Family
$55
Sun Coast
$59
GEICO
$61
Allstate
$62
Nationwide
$66
Progressive
$70
Auto-Owners
$71
The General
$75
Safeco
$78
Root
$79
Bristol West
$80
Dairyland
$86
Midvale Home & Auto
$87
Foremost
$99
Travelers
$100
Direct Auto
$101
Farmers
$105
National General
$121
Liberty Mutual
$127
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 $178 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$85
USAA
$109
American Family
$116
GEICO
$130
Allstate
$132
Root
$139
Nationwide
$141
Sun Coast
$145
Midvale Home & Auto
$148
Progressive
$148
Safeco
$150
Auto-Owners
$151
Bristol West
$202
The General
$208
Liberty Mutual
$213
Travelers
$213
Dairyland
$217
Farmers
$223
Direct Auto
$231
National General
$237
State Auto
$240
Foremost
$283
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 $101/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 October 30, 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 October 30, 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 October 30, 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 October 30, 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.
Shop for Car Insurance in Fort Collins, CO
Monthly rates start at $49 for drivers with an incident
Secure. Free. Easy-to-use.
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4.8/5
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 $117 per month for liability insurance and $264 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$40
$53
USAA
$51
$68
American Family
$55
$73
Sun Coast
$59
$87
GEICO
$61
$81
Allstate
$62
$83
Nationwide
$66
$89
Progressive
$70
$93
Auto-Owners
$71
$95
The General
$75
$101
Safeco
$78
$105
Root
$79
$112
Bristol West
$80
$107
Dairyland
$86
$115
Foremost
$99
$142
Travelers
$100
$134
Direct Auto
$101
$134
Farmers
$105
$139
National General
$121
$162
Liberty Mutual
$127
$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.
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 $111 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$40
$53
USAA
$51
$68
American Family
$55
$73
Sun Coast
$59
$83
GEICO
$61
$81
Allstate
$62
$82
Nationwide
$66
$89
Progressive
$70
$94
Auto-Owners
$71
$95
The General
$75
$101
Safeco
$78
$101
Root
$79
$112
Bristol West
$80
$106
Dairyland
$86
$114
Foremost
$99
$141
Travelers
$100
$134
Direct Auto
$101
$137
Farmers
$105
$139
National General
$121
$162
Liberty Mutual
$127
$181
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 $126 for minimum-coverage policies. The price jumps to $285 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$40
$65
USAA
$51
$83
American Family
$55
$89
Sun Coast
$59
$94
GEICO
$61
$99
Allstate
$62
$101
Nationwide
$66
$107
Progressive
$70
$114
Auto-Owners
$71
$115
The General
$75
$122
Safeco
$78
$127
Root
$79
$128
Bristol West
$80
$130
Dairyland
$86
$140
Foremost
$99
$161
Travelers
$100
$163
Direct Auto
$101
$164
Farmers
$105
$171
National General
$121
$197
Liberty Mutual
$127
$206
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 $57 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$62
$29
USAA
$82
$38
American Family
$85
$40
GEICO
$97
$46
Nationwide
$98
$46
Allstate
$99
$47
Progressive
$99
$47
Sun Coast
$105
$43
Root
$108
$62
Auto-Owners
$111
$52
Safeco
$119
$62
Bristol West
$152
$60
Travelers
$156
$73
The General
$159
$57
Dairyland
$162
$64
Farmers
$163
$77
Liberty Mutual
$167
$100
Direct Auto
$169
$74
National General
$170
$87
Foremost
$211
$74
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 $144 for liability coverage and $325 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$148
$70
USAA
$186
$87
American Family
$206
$98
GEICO
$211
$99
Root
$215
$122
Allstate
$239
$112
Nationwide
$249
$117
Auto-Owners
$262
$123
Sun Coast
$265
$108
Progressive
$270
$127
Safeco
$306
$159
The General
$340
$123
Bristol West
$350
$139
Dairyland
$365
$145
Liberty Mutual
$386
$230
Travelers
$393
$184
Farmers
$400
$188
Direct Auto
$430
$188
National General
$477
$243
Foremost
$515
$180
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.
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 $129 per month. Along with it being lower than the state average of $159 per month, it’s also lower than the national monthly average of $158.
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.
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 $79 per month for liability-only insurance and $178 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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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