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How much does auto insurance cost in Fort Collins?
Car insurance costs an average of $1,536 per year in Fort Collins. That's cheaper than the statewide average in Colorado ($1,757) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Fort Collins.
AUTO INSURANCE COSTS: FORT COLLINS VS. STATE AND US AVERAGES
|Fort Collins Average (yearly)||Colorado Average||National Average|
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The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Fort Collins, USAA offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Fort Collins below. Use this information as a starting point and be sure to gather quotes specific to your unique driving profile.
FORT COLLINS AUTO INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Fort Collins drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,371 per year, on average. Those in their 60s don't pay much more ($1,382).
Teenage drivers pay Fort Collins's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Fort Collins is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Fort Collins is $3,449, the largest such difference between any two age groups.
CAR INSURANCE RATES BY AGE TIER IN FORT COLLINS
|Age||Average Annual Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Fort Collins pay $98 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Fort Collins, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. In Fort Collins, female drivers pay $10 per year more than do male drivers.
FORT COLLINS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Yearly Rate|
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Fort Collins drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $572 per year versus the city average. A ticket for speeding results in a $281 rate hike, on average, while a DUI violation costs $541 per year in insurance premiums.
AVERAGE FORT COLLINS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,927|
|At-fault Accident (damages greater than $2,000)||$2,183|
|Speeding Ticket (16-20 mph over speed limit)||$1,816|
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Fort Collins, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 58% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Fort Collins, improving your credit to "Fair" could help you earn a $1,110 decrease in annual car insurance rates.
FORT COLLINS CAR INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Annual Rate|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.