Cheapest Auto Insurance in Greeley, Colorado (2024)
State Farm offers the cheapest car insurance in Greeley, with minimum-coverage policies as low as $44 per month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 30, 2024
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Table of contents
With an average monthly cost of $142, car insurance in Greeley is a bit less expensive than the Colorado state average of $159.
The area is prone to natural disasters like flooding due to snowmelt from the Rocky Mountains, which can theoretically increase average insurance costs in the area. However, the Front Range — a corridor of the Rockies — has reservoirs that help control the flooding, likely contributing to lower costs.
Comparing quotes from multiple insurers is the best way to find cheap car insurance in Greeley. Here’s what you need to know.
Quick Facts
Greeley drivers pay $82 per month for liability coverage and $201 for full-coverage insurance, on average.
State Farm, USAA, and American Family have the cheapest average car insurance rates in Greeley.
Colorado is an at-fault state, which means the responsible driver must cover the other driver’s resulting medical bills and vehicle repair costs.[1]
3 of the cheapest car insurance companies in Greeley
Average premiums in Colorado increased by 14% in 2023 compared to the previous year, according to Insurify proprietary data. As you compare quotes to find cheaper coverage, keep in mind that the best auto insurance company for your situation depends on your needs, budget, and driver profile.
Compare three of the best insurers in Greeley below. The average quotes included reflect statewide costs.
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 | Low rates |
| USAA | 9.4 | $130 | $61 | Veterans |
| American Family | 9.1 | $139 | $65 | Teens and 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 low rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $44/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. | $93/mo |
Cost is a big factor for Greeley drivers to consider when buying car insurance, especially because the area has the third-lowest average income among all Colorado’s metro areas.[2] State Farm has the cheapest average rates for both liability and full-coverage insurance in Greeley.
State Farm has 15 local agents in Greeley for personalized service backed by above-average ratings for claims handling and customer satisfaction.
Pros
Local insurance agents for quality service
Bundling policies can lower costs by up to 23%
Cons
Accident forgiveness coverage not available
Gap insurance not available
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
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.
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Best insurer for veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| 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. | $56/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. | $120/mo |
USAA is the best insurer option for the 4,950 veterans living in Greeley.[3] The company tailors coverage and benefits to current and former military members, including military discounts and flexible payment options. USAA earns high marks for customer and claims satisfaction from J.D. Power.
Pros
Telematics program can lower rates up to 30%
Gap and rideshare insurance available
Cons
Coverage only for former, current, and reserve military members and their families
On-base discount is only for comprehensive coverage plans
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
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
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.
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Best insurer for teens and families: American Family
American FamilyCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| 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. | $61/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. | $128/mo |
Car insurance for teen drivers is expensive. For the nearly 160,000 licensed drivers younger than 20 in Colorado, American Family can help keep rates low.[4]
The company offers discounts for young drivers and families, such as savings for earning good grades, volunteering, students living away from home while in college, bundling insurance policies, and signing up for online billing.
Pros
Discounts for teens and families
Affordable rates for all drivers
Cons
Bundling discounts limited to specific coverages
Safe driving discount programs not available in Colorado
Read more driver reviews of American Family
Thad - October 29, 2024
Verified
Great
They will work with you to help you get the best coverage for your dollar.
William - October 28, 2024
Verified
Price
The rates increase with every renewal period.
Karla - October 23, 2024
Verified
Experience
They were good, but my insurance kept increasing. It just became too expensive.
…
Find Cheap Car Insurance in Greeley, Colorado
Liability quotes start as low as $44 per month
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How to get the cheapest car insurance in Greeley
Driver age, vehicle type, coverage options, driving history, and ZIP code are a few factors that determine how much you pay for car insurance. When quoting your car insurance rate, insurers consider these factors to determine your risk level.
Here are some ways to find affordable insurance coverage in Greeley:
Look for discounts. Qualifying for discounts is one of the easiest ways to lower your insurance costs. Ask your insurance company about savings for insuring multiple vehicles, maintaining good driving records, or completing defensive driving courses.
Drive safely. Practice safe driving habits behind the wheel. Avoiding car accidents, speeding tickets, and other traffic violations can help keep rates down.
Comparison shop. Different companies charge unique rates for the same coverages. Always compare prices from various insurers to find the best deals.
Understand your coverage needs. Going with the minimum required coverage can save you money on premiums up front, but it might not offer enough protection if you have a significant accident.
Cheapest liability-only car insurance in Greeley: State Farm
Liability-only car insurance covers the damages or injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability. However, it doesn’t cover damages to your vehicle or your personal injuries.
State Farm provides the most affordable liability-only car insurance in Greeley, with monthly rates of $44.
For more insight into the cost of liability insurance in the city, refer to the average monthly quotes from various insurers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $44 |
| USAA | $56 |
| American Family | $61 |
| Sun Coast | $65 |
| GEICO | $67 |
| Allstate | $68 |
| Nationwide | $73 |
| Progressive | $77 |
| Auto-Owners | $78 |
| The General | $82 |
| Safeco | $86 |
| Root | $87 |
| Bristol West | $89 |
| Dairyland | $95 |
| Midvale Home & Auto | $96 |
| Foremost | $109 |
| Travelers | $110 |
| Direct Auto | $111 |
| Farmers | $115 |
| National General | $134 |
| Liberty Mutual | $140 |
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 Greeley: State Farm
Full coverage goes beyond basic liability to include comprehensive and collision coverage, protecting your vehicle against various types of damage. It’s often the best option if you own a newer or high-value vehicle or want extra peace of mind.
In Greeley, State Farm stands out for affordable full-coverage car insurance, with rates of $93 per month.
The following table shows how much Greeley insurance companies charge for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $93 |
| USAA | $120 |
| American Family | $128 |
| GEICO | $143 |
| Allstate | $145 |
| Root | $153 |
| Nationwide | $155 |
| Sun Coast | $160 |
| Midvale Home & Auto | $163 |
| Progressive | $163 |
| Safeco | $165 |
| Auto-Owners | $166 |
| Bristol West | $222 |
| The General | $229 |
| Liberty Mutual | $234 |
| Travelers | $234 |
| Dairyland | $239 |
| Farmers | $245 |
| Direct Auto | $254 |
| National General | $261 |
| State Auto | $265 |
| Foremost | $312 |
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 Greeley, Colorado
Recent Greeley, Colorado car insurance prices for Honda, Mazda, Nissan , and more.
*Quotes generated for Insurify users in and around Greeley, 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 Greeley, 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
Auto insurance is mandatory for Colorado drivers. Before you can legally drive your vehicle, you must have liability coverage that includes bodily injury and property damage protection. Colorado law follows a fault system that makes you responsible for injuries and vehicle damage for accidents you cause.
Here are the specific minimum insurance requirements in Colorado:[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Minimum coverage amounts required by the state often aren’t enough to protect you financially, according to the National Association of Insurance Commissioners (NAIC).[6] Greeley residents should consider the following additional insurance plans for more financial protection:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can pay for your bodily injury and loss if you have a car accident with another driver with insufficient or no insurance.
Collision coverage
Collision insurance can cover damages to your vehicle after an accident, regardless of fault.
Comprehensive coverage
Comprehensive insurance kicks in for non-collision damages from theft, severe weather, and more.
Medical payments coverage
Medical payments coverage pays for medical expenses for you and your passengers after an accident, no matter who’s at fault.
Gap insurance
Gap insurance covers the difference between a vehicle’s actual cash value and the loan balance if the insurer considers it a total loss after an accident or vehicle theft.
Custom parts and equipment coverage
Custom parts and equipment coverage protects aftermarket modifications or custom parts you add to your car against damage or theft.
Cheapest car insurance for drivers with an incident
An incident refers to a traffic violation on your driving record. If you have an at-fault accident, speeding ticket, or driving under the influence (DUI) charge on your record, insurers view you as having a higher risk for future claims. The city of Greeley has a higher-than-average rate of fatal vehicle crashes when compared to other Colorado cities.[7]
Insurers charge high-risk drivers more expensive rates. On average, Greeley drivers with a past incident pay $107 per month for liability car insurance. Compare average liability quotes for Greeley residents by driving record below.
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 ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $44 | $58 | $58 | $72 |
| USAA | $56 | $74 | $74 | $91 |
| American Family | $61 | $81 | $81 | $99 |
| Sun Coast | $65 | $96 | $91 | $104 |
| GEICO | $67 | $89 | $89 | $109 |
| Allstate | $68 | $90 | $90 | $111 |
| Nationwide | $73 | $98 | $98 | $119 |
| Progressive | $77 | $102 | $104 | $125 |
| Auto-Owners | $78 | $105 | $104 | $127 |
| The General | $82 | $111 | $111 | $133 |
| Safeco | $86 | $116 | $112 | $140 |
| Root | $87 | $124 | $124 | $141 |
| Bristol West | $89 | $119 | $118 | $145 |
| Dairyland | $95 | $127 | $126 | $154 |
| Foremost | $109 | $157 | $155 | $177 |
| Travelers | $110 | $148 | $147 | $179 |
| Direct Auto | $111 | $148 | $151 | $180 |
| Farmers | $115 | $152 | $152 | $187 |
| National General | $134 | $179 | $179 | $218 |
| Liberty Mutual | $140 | $201 | $200 | $228 |
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.
Average cost of car insurance by age
Your age is a significant factor in how much you pay for car insurance. Teen drivers face the highest rates, mainly because driving inexperience increases their chance of having an accident. Prices decrease significantly for drivers 35 and older thanks to more experience on the road. But after age 70, senior drivers see rates increase due to aging-related risk factors.
Consider the table below for a better idea of how age affects auto insurance policy costs for Greeley drivers.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $313 |
| 20s | $387 |
| 30s | $361 |
| 40s | $306 |
| 50s | $229 |
| 60s | $161 |
| 70s | $120 |
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.
Shop for Car Insurance in Greeley, CO
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Greeley car insurance quotes by credit tier
In Colorado, your credit score can influence your car insurance rates. Insurers use a credit-based insurance score to assess risk but can’t cancel or refuse coverage because of credit alone. Generally, excellent or good credit scores indicate a lower risk to insurers, leading to cheaper insurance premiums for you, while drivers with poor credit scores pay more.
Here’s a look at how full-coverage car insurance quotes in Greeley vary across different credit tiers.
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.
Greeley car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The following information can help you find cheap auto insurance in Greeley.
How much is car insurance in Greeley?
The overall average cost of car insurance in Greeley is $142 per month. On average, Greeley drivers pay $82 per month for liability coverage and $201 for full-coverage insurance.
Which company has the cheapest car insurance in Greeley?
State Farm has the cheapest average liability coverage in Greeley, with a rate of $44 per month. Other cheap insurers include USAA and American Family, which have monthly liability rates of $56 and $61. The best way to find cheap car insurance is to compare multiple quotes at once.
What are the best car insurance companies in Greeley?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and high marks in claims and customer satisfaction from J.D. Power, State Farm is the best car insurance company in Greeley. On average, State Farm policyholders in Colorado pay $47 per month for liability insurance and $101 for full-coverage insurance. Other top insurers in Greeley include USAA and American Family.
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
- Nolo. "Colorado Car Accident Laws."
- National Low Income Housing Coalition. "Colorado."
- United States Census Bureau. "QuickFacts Greeley city, Colorado."
- U.S. Department of Transportation Federal Highway Administration. "Licensed Male Drivers, by Age 1/2020."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- National Association of Auto Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- City of Greeley. "Transportation Performance Measures."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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