How to find the cheapest car insurance in Fort Collins

Fort Collins insurance costs an average of $828 per year ($69 per month) for minimum coverage. A full-coverage car insurance policy will set you back $1,800 per year ($150 per month). These rates are slightly above average for the state but below average for the country.

It can be a challenge to find affordable car insurance in Fort Collins due to the high incidence of natural disasters and auto thefts in Colorado.

Jerry is an independent insurance agency that works for you. It collects and compares the lowest-priced auto insurance quotes from top providers. You can see the best deals in Fort Collins at a glance, and it only takes a few minutes to sign up.

Insurance Company	Age	Zip Code	Premium (monthly)	Car	Liability Limits	Has Full Coverage
Progressive	44	80526	$69	Honda Cr-V Lx	State Minimum	No
Trexis	37	80526	$193	Nissan Rogue Sport S	State Minimum	Yes
Trexis	28	80526	$497	Toyota Corolla Le	50/100	Yes
Progressive	26	80524	$184	Gmc Jimmy	State Minimum	No
Progressive	25	80521	$77	Ford Mustang	State Minimum	Yes

Last Updated Nov 29, 2024

Best car insurance companies in Fort Collins

For many Colorado drivers, the best car insurance companies are the cheapest. Here are the five providers with the lowest rates in Fort Collins who also ranked well with our users:

Insurance company	Average annual full coverage rate in Fort Collins	Jerry user rating
Travelers	$1,354	4.5
Safeco	$1,364	4.4
Nationwide	$1,450	4.2
Kemper	$1,792	4.2
Progressive	$1,955	4.2

However, the cheapest auto insurance providers don’t always have everything you’re looking for. If you prioritize customer service, claims processing, and overall excellence, you’ll probably be interested in the results of Jerry’s national shopping survey.

Thousands of verified policyholders in Colorado rated their insurance providers on a scale from 0 to 5. The top overall scorers were Safeco, Bristol West, Allstate, Dairyland, and GEICO.

Insurance company	Overall rating	Price	Claims experience	Customer service
Geico	4.3	3.8	3.2	4
Progressive	4.1	4.2	3.4	4.2
Liberty Mutual	4	3.4	N/A	4.4
Farmers	3.7	4.3	N/A	4
State Farm	3.2	2.8	3.8	4.1

Best cheap car insurance quotes in Fort Collins

Before requesting a car insurance quote, you’ll have to choose your coverage level. It’s cheapest to carry state minimum coverage—that is to say, the minimum amount of car insurance you must carry to legally drive and no more. However, for the best financial protection, Jerry’s expert insurance agents generally recommend carrying at least 100k/300k/100k liability insurance and full coverage.

Cheap minimum liability insurance quotes in Fort Collins

Colorado’s car insurance laws require every driver in Fort Collins to carry liability insurance. Liability insurance pays to treat any bodily injuries (or fix any property damages) that result from a car accident where you were at fault.

As for the coverage limits, they follow a 25/50/15 rule, which means at least:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $15,000 of property damage liability coverage per accident¹

Sticking with the minimum coverage in Fort Collins costs an average of $828 per year or $69 per month. That’s 14% higher than the Colorado average and 12% cheaper than what the rest of the nation pays.

Do you need more than minimum coverage in Fort Collins?

You probably need more than minimum coverage in Fort Collins because it hosts many wealthy tourists and residents who drive expensive cars.

If you get into a car accident and the other driver’s vehicle is a total loss, you can bet $15,000 of property damage liability won’t be nearly enough to replace it. And let’s not forget: Colorado car accident laws give the injured party up to three years after the date of the accident to sue you for any remaining property damages or medical expenses.

The bottom line: Opt for 50/100/50—or better yet, 100/300/100—liability coverage if you can afford it.

Cheap full coverage car insurance quotes in Fort Collins

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. It includes two types of coverage:

• Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign).
• Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.

The insurance needs of a leased or financed car depend on who did the leasing or lending. Some companies, like Chrysler, are satisfied with the state minimum coverage, but others—including Honda and Nissan—have specific coverage limits they want you to meet. Nearly every major automotive finance company includes collision, comprehensive, and gap insurance in their contract conditions.²

Have a look at quotes real Jerry users found for full coverage.

Insurance Company	Age	Zip Code	Premium (monthly)	Car	Liability Limits	Has Full Coverage
Trexis	37	80526	$193	Nissan Rogue Sport S	State Minimum	Yes
Trexis	28	80526	$497	Toyota Corolla Le	50/100	Yes
Progressive	25	80521	$77	Ford Mustang	State Minimum	Yes
Bristol West	36	80521	$153	Subaru Forester 2.5I Premiu	50/100	Yes
Progressive	41	80526	$180	Nissan Pathfinder Sl	State Minimum	Yes

Last Updated Nov 29, 2024

Average cost of car insurance in Fort Collins

The average cost of car insurance in Fort Collins is higher than in the rest of Colorado. It costs about $828 per year or $69 per month for state minimum insurance and $1,800 per year or $150 per month for full-coverage insurance.

The reasons have to do with the town’s location and population. Here’s why insurance coverage can be so expensive in Fort Collins:

• Motor vehicle thefts: Colorado’s motor vehicle theft rate skyrocketed in 2022.³ Fortunately, it fell by 19% between 2022 and 2023 with the introduction of increased security measures, but the number of vehicles stolen—and insurance rates in Fort Collins—remain high.⁴
• Natural disasters: A total of 28 significant weather and climate disasters hit the US in 2023, costing a total of $92.9 billion in property damages. The worst threat to Colorado wasn’t snow or hail but summer wildfires.⁵ Whatever the cause, insurers charge more to insure vehicles in risky areas.

Car insurance quotes in Fort Collins by rating factors

Insurance companies in Fort Collins use many rating factors when deciding your auto insurance premium:

• Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
• Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.
• How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
• Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
• Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.

Cheap car insurance quotes in Fort Collins after driving violations

Your driving history has a significant impact on car insurance rates. Violations on your Colorado driving record can drive up the cost of your annual premiums, especially if you have serious infractions.

Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Fort Collins after DUI

Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.

Car insurance rates can also vary dramatically between insurance providers when you have a DUI on your Colorado driving record—so comparing rates is the best way to find the most affordable option after a DUI offense.

The good news is that Jerry has helped many drivers in Fort Collins obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Fort Collins after an at-fault accident

Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure.

If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.

Check out what Jerry drivers paid for car insurance after various types of accidents below:

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Trexis	$497	28	80526	Toyota Corolla Le	50/100	Yes
Not At Fault	Progressive	$184	26	80524	Gmc Jimmy	State Minimum	No
At Fault With No Injury	Progressive	$218	21	80525	Subaru Outback 2.5I Limited	State Minimum	Yes
At Fault With No Injury	The General	$112	22	80525	Honda Accord Exl	State Minimum	No
Not At Fault	Progressive	$181	28	80526	Chevrolet Malibu Lt	State Minimum	Yes

Last Updated Nov 29, 2024

Cheapest car insurance in Fort Collins after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.

Here are some examples of how Jerry has helped other Fort Collins drivers find cheap car insurance despite previous violations.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Following too Closely	The General	$112	22	80525	Honda Accord Exl	State Minimum	No
Driving on Sus. License	Progressive	$63	25	80526	Ford Focus Sel	State Minimum	No
Illegal Turn	The General	$237	27	80526	Hyundai Elantra Sel	State Minimum	Yes
Driving on Sus. License	Mendota	$180	60	80525	Chevrolet Silverado C1500	State Minimum	Yes
DUI	Progressive	$154	26	80525	Jeep Grand Cherokee Limited	State Minimum	Yes

Last Updated Nov 29, 2024

Cheap car insurance quotes in Fort Collins by age

The data shows that drivers under 25 pay more for car insurance, while mature drivers (defined as 55 or older) pay less.⁶ Whether you’re a teenage driver or a senior driver who falls outside these bounds, here’s how to make the most of your age.

Cheapest car insurance in Fort Collins for young drivers

The leading cause of death among teens is motor vehicle crashes. They’re also more likely to engage in risky behaviors like speeding, forgetting their seat belts, or driving under the influence.⁷ Accordingly, teen drivers under the age of 25 pay the highest amount for car insurance—almost three times as much as a 55-year-old driver for the same coverage in 2023.⁸

Cheap car insurance in Fort Collins for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.

As losses to hearing, vision, and reflexes take their toll, older drivers over the age of 70 show more of a risk of getting into a car accident, although not as high as young drivers. They’re also prone to suffering more severe injuries. The good news is that fatalities for senior drivers have begun to drop as new driver-assistance vehicle technology makes its way onto the market.⁹

Cheap car insurance quotes in Fort Collins based on insurance history

Just as each additional year of driving experience can help lower your rates, every year you stay insured contributes to a good insurance history. Car insurance lapses make providers nervous because they indicate you might have skipped a few payments or worse, gone uninsured. Your premiums will be higher as a result.¹⁰

Even those with insurance lapses on their record have been able to find coverage through Jerry.

Cheap car insurance quotes in Aspen for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings.

For instance, drivers with good credit (710-740) pay 49% more for car insurance than drivers with excellent credit (823+). Meanwhile, drivers with poor credit (524-577) pay 44% more than the former and 115% more than the latter.¹¹

Unfortunately, Colorado hasn’t yet banned the use of credit scores to decide premiums, but Jerry can help you find the most affordable rates in every credit rating bracket.

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
550-659	Progressive	$69	44	80526	Honda Cr-V Lx	State Minimum	No
660-750	Trexis	$193	37	80526	Nissan Rogue Sport S	State Minimum	Yes
660-750	Trexis	$497	28	80526	Toyota Corolla Le	50/100	Yes
<550	Progressive	$184	26	80524	Gmc Jimmy	State Minimum	No
750+	Progressive	$77	25	80521	Ford Mustang	State Minimum	Yes

Last Updated Nov 29, 2024

Cheap car insurance quotes in Fort Collins for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance. The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings.

Some of the most popular models among Colorado drivers include the:

• Ford F-150
• Chevy Silverado
• Toyota Tacoma
• Subaru Outback

See how Jerry helps drivers save when insuring these models and others in Colorado.

Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Subaru Outback 2.5I Limited	Progressive	$218	21	80525	State Minimum	Yes
Chevrolet Silverado C1500	Mendota	$180	60	80525	State Minimum	Yes
Ford F-150 Supercrew	The General	$277	53	80526	State Minimum	Yes
Toyota Tacoma Double Cab Long Bed	The General	$130	27	80521	State Minimum	Yes
Toyota Tacoma Double Cab	Bristol West	$448	59	80526	State Minimum	Yes

Last Updated Nov 29, 2024

How to lower car insurance costs in Fort Collins

1. Shop around and compare quotes

Every car insurance company uses its own rules to decide your premiums. According to experts, staying on top of local insurance deals means going car insurance shopping every six months and checking out at least three providers each time.

2. Hunt for car insurance discounts

Every insurance company offers a set of car insurance discounts, but the exact discount offered varies by company. Some common discounts include:

• Bundling discounts: If you’re a business owner or homeowner and you need more than one insurance product, look into bundling your policies. You could save up to 25% on the right homeowners insurance and auto insurance bundle.
• Good driver discounts: Get insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
• Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage. You could save between 7-28% every year—just don’t make such a huge change that your finances won’t support it.¹²

Sources

1. https://leg.colorado.gov/content/mandatory-automobile-insurance-colorado ↩︎
2. https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs–owned-car-whats-the-difference-458114.aspx ↩︎
3. https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend ↩︎
4. https://www.axios.com/local/denver/2024/01/25/auto-car-theft-denver-airport-colorado-security-meausres ↩︎
5. https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters ↩︎
6. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy ↩︎
7. https://www.iii.org/article/background-on-teen-drivers ↩︎
8. https://www.insurancebusinessmag.com/us/guides/a-guide-to-cheap-car-insurance-for-new-drivers-459484.aspx ↩︎
9. https://www.iii.org/article/background-on-older-drivers ↩︎
10. https://www.iii.org/article/what-if-i-cant-find-auto-coverage ↩︎
11. https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf ↩︎
12. https://www.forbes.com/advisor/car-insurance/savings-by-raising-car-insurance-deductible/ ↩︎