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.

What Makes Car Insurance Expensive in Fort Collins, CO?

The average cost of auto insurance in Fort Collins, CO, is $968. This is much lower than the cost of auto insurance in neighboring places such as Severance, Laporte, Timnath-Wellington, and Wellington. Below is a list of factors that affect the cost of auto insurance in Fort Collins, CO. The cost of auto insurance can also vary from one neighborhood to another. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes.

Deductibles:

The rate of the deductible is one of the most common factors affecting the cost of auto insurance in Fort Collins. A low deductible tends to increase the cost of auto insurance, while a high deductible decreases it. For instance, in Fort Collins, the cost of auto insurance for a low deductible, say $500, is $1,745, while it is $1,474, against a higher deductible of $1,000.

Age of the Driver:

The driver’s age is another factor that affects the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of driving experience. With an increase in experience, the cost of auto insurance decreases. As the above infographic indicates, the cost of auto insurance for teenagers in Fort Collins is $3,141. In contrast, it is lowest for car owners in their fifties and sixties. The former pays $854 on an average, while the latter pays $865. Women are considered to be safe drivers, which makes auto insurance cheap for them.

Driving Record:

A poor driving record can also lead to a massive increase in auto insurance costs for car owners in Fort Collins. Post-DUI, the cost of auto increase rises to $1,463. Other major driving violations can also cause a massive increase in rates. Driving with an expired license can increase auto insurance by $652 while speeding and running a red light can increase the cost of auto insurance by $237 and $226, respectively.

Being a safe driver has its benefits since the amount of risk being covered by the insurer is less when the driver does not have too many violations.

Credit Score:

Having an “average” or “poor” credit score can also lead to a massive increase in auto insurance premiums for drivers in Fort Collins. The cost of auto insurance for drivers with an “average” credit score is $1,316 and $1,579 for drivers with a “poor” credit score.

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.

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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

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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

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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

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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

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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

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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

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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

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