Durango, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Durango, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Durango, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Durango, CO Auto Insurance Rates
- Durango, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Durango, CO
- Multi Vehicle Insurance Savings in Durango, CO
- How Credit Score Affects Car Insurance Rates in Durango, CO
- How DUI Affects Auto Insurance Premiums in Durango, CO
- Top Auto Insurance Agents Near Durango, CO
- How Driving Violations Affect Auto Insurance Rates in Durango, CO
- Durango, CO Auto Insurance Discounts on Anti Theft Feature
- Durango, CO Auto Insurance Company Reviews
Durango, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Durango, CO with that of other cities in and around Durango.
| Durango | La Plata County | Bayfield | |
|---|---|---|---|
| Average Insurance Rates | $1,163 | $1,838 | $1,820 |
Durango, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Durango, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Durango | $1,484 | $1,254 |
| La Plata County | $1,458 | $1,232 |
| Bayfield | $1,378 | $1,164 |
Durango, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Durango, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,774 |
| 20 Years | $1,494 |
| 30 Years | $1,151 |
| 40 Years | $1,107 |
| 50 Years | $1,026 |
| 60 Years | $1,040 |
| 70 Years | $1,210 |
Durango, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Durango, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,047 | $279 |
| 3 Vehicles | $3,070 | $419 |
| 4 Vehicles | $4,094 | $558 |
Savings on 2 Vehicles bundle:$279
Savings on 3 Vehicles bundle:$419
Savings on 4 Vehicles bundle:$558
Durango, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Durango, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Durango | $1,163 | $1,758 |
| La Plata County | $1,838 | $2,778 |
| Bayfield | $1,820 | $2,751 |
Durango, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $998 |
| Excellent (740-799) | $1,139 |
| Good (670-739) | $1,212 |
| Average (580-669) | $1,581 |
| Poor (300-579) | $1,897 |
Durango, CO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Natalie Rose | Allstate | 2974 Main Ave, Durango, 81301 | (970) 247-2832 |
| Jay Hwang | State Farm | 207 E 11th St, Durango, 81301-5235 | 970-247-3105 |
| Mountain West Ins | Allstate | 2971 Main Ave, Durango, 81301 | (970) 259-8082 |
| Western Group, Inc - Durango | None | 359 C/R 250 , Durango, 81302 | None |
| Justin Kautter | Farmers | 2223 Main Ave Ste 101, Durango, 81301 | (970) 403-8500 |
| Wendy Most | State Farm | 1315 Main Ave Ste 211, Durango, 81301-5154 | 970-259-2550 |
Durango, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$51 | $1,214 |
| Driver's Failure In Showing Documents | +$113 | $1,276 |
| Driving With An Expired Registration | +$120 | $1,283 |
| Driving At A Considerably Slow Pace | +$252 | $1,415 |
| Using A Cellphone While Driving | +$266 | $1,429 |
| Running A Red Light | +$271 | $1,434 |
| Speeding | +$285 | $1,448 |
| Driving A Vehicle Without The Required Permission | +$362 | $1,525 |
| Driving With An Expired/Suspended License | +$784 | $1,947 |
Durango, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,116 |
| Active Disabling Device | $1,116 |
| Tracking Device | $1,093 |
| Passive Disabling Device | $1,082 |
Latest Auto Insurance Reviews in Durango, CO | Back to Top
UsaaThe insurance company has a variation of policies for every different person.You can choose what is right for you and compared to others they seem to be the same or better, with better prices.
ProgressiveI am extremely satisfied with my car insurance company, they go beyond their way to take care of my car issues and fix it. they even reach out afterwards to make sure everything was ok with my car.
State FarmI like my insurance conpany because i also have my home insurance through them as well so they offer a bigger discount which is really great! The deductible is standard like all other insurances.
UsaaUSAA customer service has been excellent. They have helped me resolve all collisions in a timely manner and have even offered free towing from the scene of the collision if you call immediately.
UsaaUSAA customer service has been excellent. They have helped me resolve all collisions in a timely manner and have even offered free towing from the scene of the collision if you call immediately.
UsaaMy insurance costs slightly more than other insurances that specialize in military service (GEICO and Navy Federal Credit Union come to mind). I am unaware of any additional services that are or are not offered.