Cheapest Car Insurance In Fort Collins, CO 2024
Colorado Farm Bureau is the most affordable option in Fort Collins, offering an average rate of $20 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Fort Collins, CO, you’ll find a wide range of choices.
For liability-only coverage, Colorado Farm Bureau is the clear leader. Drivers seeking more comprehensive protection will find that American National provides the best rates for full coverage policies, while NatGen Value offers the lowest rates for young drivers.
Cheapest Car Insurance Companies In Fort Collins, CO 2024
Cheapest Minimum Coverage Car Insurance In Fort Collins: Colorado Farm Bureau
Colorado Farm Bureau offers the lowest rates for minimum coverage in Fort Collins, with an average monthly premium of $20.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $28 | $336 |
| American National P&C | $25 | $300 |
| American Family | $35 | $420 |
| Colorado Farm Bureau | $20 | $240 |
| Acuity | $30 | $360 |
Cheapest Full Coverage Rates In Fort Collins: American National P&C
American National P&C offers the most affordable full coverage car insurance. In Fort Collins, their rates typically average around $50 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $80 | $960 |
| American National P&C | $50 | $600 |
| Acuity | $85 | $1,020 |
| Auto-Owners Insurance Co | $90 | $1,080 |
| GEICO | $60 | $720 |
Most Affordable Rates In Fort Collins For Teenagers: Colorado Farm Bureau Mutual
Colorado Farm Bureau Mutual offers the most affordable car insurance for teenage drivers in Fort Collins, with average monthly premiums around $90.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $150 | $1,800 |
| Auto-Owners Insurance Co | $220 | $2,640 |
| Colorado Farm Bureau Mutual | $90 | $1,080 |
| Allstate | $288 | $3,456 |
| State Farm | $185 | $2,220 |
Cheapest Car Insurance In Fort Collins After A Speeding Ticket: American National P&C
American National P&C stands out for its affordability compared to other insurers, with average rates around $58 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $95 | $1,140 |
| Colorado Farm Bureau | $60 | $720 |
| American Family | $100 | $1,200 |
| American National P&C | $58 | $696 |
| GEICO | $90 | $1,080 |
Cheapest For Drivers With After At-Fault Accident: Colorado Farm Bureau
For drivers with an at-fault incident, Colorado Farm Bureau provides the most affordable car insurance quotes, with an average monthly rate of $60.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $115 | $1,380 |
| American National P&C | $65 | $780 |
| State Farm | $135 | $1,620 |
| Colorado Farm Bureau | $60 | $720 |
| American Family | $100 | $1,200 |
Cheapest Car Insurance In Fort Collins For Drivers After A DUI: Colorado Farm Bureau
Colorado Farm Bureau has the lowest rates for drivers who have had a DUI. In Fort Collins, they offer average monthly premiums of $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National P&C | $78 | $936 |
| State Farm | $125 | $1,500 |
| Colorado Farm Bureau | $65 | $780 |
| Progressive | $115 | $1,380 |
| American Family | $90 | $1,080 |
Cheapest For Seniors: Safeco
Safeco provides the lowest car insurance rates for seniors in Fort Collins, with quotes averaging about $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| NatGen Value | $90 | $1,080 |
| State Farm | $80 | $960 |
| Colorado Farm Bureau Mutual | $105 | $1,107 |
| Safeco | $65 | $780 |
| USAA | $85 | $1,020 |
Cheapest For Young Adults: NatGen Value
For young adults in Fort Collins, NatGen Value provides the lowest car insurance quotes, with rates averaging approximately $125 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $145 | $1,740 |
| Colorado Farm Bureau Mutual | $142 | $1,752 |
| USAA | $140 | $1,680 |
| NatGen Value | $125 | $1,500 |
| Dairyland Realtime | $150 | $1,800 |
Best Car Insurance Companies In Fort Collins
Here are the top 10 car insurance companies in Fort Collins, CO, listed according to their average monthly rates.
| Company | Monthly Premium |
| Colorado Farm Bureau Mutual | $100 |
| Auto-Owners Insurance Co | $138 |
| USAA | $103 |
| NatGen Value | $110 |
| National Farmers Union P&C | $104 |
| Dairyland Realtime | $144 |
| Safeco | $95 |
| Metropolitan | $135 |
| State Farm | $105 |
| Kemper Premium | $120 |
Average Rates In Fort Collins – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,220 |
| 20s | $2,160 |
| 30s | $1,500 |
| 40s | $1,200 |
| 50s | $1,020 |
| 60s | $1,140 |
| 70s | $1,260 |
Average Rates In Fort Collins – By Vehicle
| Vehicle | Average Monthly Rate |
| 2022 Toyota Tundra | $280 |
| 2020 Toyota Yaris | $195 |
| 2008 Hyundai Elantra | $140 |
| 2008 Toyota Scion Tc | $90 |
| 2012 Dodge Journey | $125 |
Average Cost Of Auto Insurance In Fort Collins – By Zip Code
| City | Average Monthly Rate |
| 80526 | $135 |
| 80521 | $115 |
| 80525 | $118 |
| 80524 | $100 |
| 80528 | $145 |
How Much Is Car Insurance In Other Cities in Colorado?
| City | Average Monthly Rate |
| Aurora | $180 |
| Littleton | $140 |
| Arvada | $135 |
| Grand Junction | $105 |
| Boulder | $130 |
| Greeley | $125 |
| Broomfield | $132 |
| Denver | $170 |
| Colorado Springs | $170 |
| Englewood | $145 |
Our Methodology
Based on a detailed analysis that includes customer service ratings, product offerings, pricing, and reviews from various online sources, I've developed a comprehensive overview of car insurance providers in Fort Collins, CO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Fort Collins?
In Fort Collins, Colorado Farm Bureau provides the lowest rates for the minimum coverage required by Colorado state law, while American National P&C offers the most affordable full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Fort Collins?
In Fort Collins, the average car insurance cost is approximately $120 per month. However, rates can differ based on factors such as your zip code, the year and model of your car, and your driving history.
