Fort Collins Auto Insurance Rates, Quotes, Agents & Reviews in CO

Fort Collins, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fort Collins, 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.

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Factors that can influence the cost of car insurance in Fort Collins, 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.


Fort Collins, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fort Collins, CO with that of other cities in and around Fort Collins.

Fort Collins Severance Loveland Laporte Timnath-Wellington Wellington
Average Insurance Rates $968 $1,814 $975 $1,805 $1,865 $1,786

Fort Collins, 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 Fort Collins, 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)
Fort Collins $1,745 $1,474
Laporte $1,879 $1,587
Timnath $1,061 $896
Wellington $1,776 $1,500
Loveland $1,735 $1,465
Severance $1,561 $1,319
Windsor $1,739 $1,469
Timnath-Wellington $2,363 $1,996

Fort Collins, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fort Collins, 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 $3,141
20 Years $1,244
30 Years $958
40 Years $922
50 Years $854
60 Years $865
70 Years $1,007

Fort Collins, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fort Collins, 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 $1,646 $290
3 Vehicles $2,468 $436
4 Vehicles $3,291 $581

Savings on 2 Vehicles bundle:$290

Savings on 3 Vehicles bundle:$436

Savings on 4 Vehicles bundle:$581


Fort Collins, 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 Fort Collins, CO.

Location Average Insurance Cost Post DUI Insurance Rate
Fort Collins $968 $1,463
Laporte $1,805 $2,728
Timnath $1,929 $2,916
Wellington $1,786 $2,699
Loveland $975 $1,474
Severance $1,814 $2,742
Windsor $1,821 $2,752
Timnath-Wellington $1,865 $2,819

Fort Collins, 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) $831
Excellent (740-799) $948
Good (670-739) $1,009
Average (580-669) $1,316
Poor (300-579) $1,579

Fort Collins, 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 +$43 $1,011
Driver's Failure In Showing Documents +$94 $1,062
Driving With An Expired Registration +$100 $1,068
Driving At A Considerably Slow Pace +$210 $1,178
Using A Cellphone While Driving +$222 $1,190
Running A Red Light +$226 $1,194
Speeding +$237 $1,205
Driving A Vehicle Without The Required Permission +$301 $1,269
Driving With An Expired/Suspended License +$652 $1,620

Fort Collins, 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 $929
Active Disabling Device $929
Tracking Device $910
Passive Disabling Device $900

Latest Auto Insurance Reviews in Fort Collins, CO | Back to Top

Usaa
I would highly recommend USAA car insurance. I am satisfied with all aspects of customer service, communication, deductible and policy cost, responsiveness, and cooperation with repair companies.
State Farm
I have only had to file one claim with State Farm with my automobile; it was about $500 deductible, which I ultimately did not use pay since I had only minor damage
Allstate
i reccommend to my friends to use the same company for car insurance. the are very good and their prices are very fair. Allstate car and home insurance is something i reccommend a lot.
Progressive
it gives more premium packs and claims givesme. i would be happy because compared to other company it gives high policies. it will be helpful to all.i really satisfiedwith they services.
Aaa
they are ver affordable and the price is good. the overage i get is a good value with this company. they were cheaper then several others that i got a quote from
Aaa
they are ver affordable and the price is good. the overage i get is a good value with this company. they were cheaper then several others that i got a quote from
Liberty Mutual
I think the premium and the deductible is fair. Its not too expensive every month and the deductible really is reasonable given I drive an older car and I am not an overly experienced driver. I like that I can set my billing for autopay and not have to worry about making a payment every month.
Liberty Mutual
I think the premium and the deductible is fair. Its not too expensive every month and the deductible really is reasonable given I drive an older car and I am not an overly experienced driver. I like that I can set my billing for autopay and not have to worry about making a payment every month.
Progressive
I used to live in North Dakota, where I had insurance and only paid about $27 a month and it was great insurance. Now, since moving to Minnesota, the cheapest insurance I could get was, at minimum $57 a month and that's after their "discount" which was only about a 50 cent discount. I would rate this a 3, as it's easy to pay, find and print off your car insurance details but it's more expensive than what I'm used to.
Alcott Insurance
I feel that the premium is kind of expensive but that is because my daughter is on my policy and she is a female who is 21 and that makes the cost of my plan a little higher. I believe if that was not an issue it would be more affordable.
Metlife
The premium I am paying is, in my opinion, a bit ridiculous. Also, I had a bad experience when using the roadside assistance because the towing company my insurance chooses to work with was unreliable.
Usaa
They have great customer support. Signing up was clear and easy. Any time we have had to talk to a representative they have been friendly and helpful.
Esurance
I dislike that this company is an online only company. I dislike that everything is done that way or using customer service over the phone. There are no local offices or places to go to.
Geico
My premium is a bit high, but with other companies, it was actually higher. I also paid much less before adding more people to my policy. So I question my premium cost often and research what other companies offer.