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Ross Martin

Insurance Writer

Credentials
  • 5+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does auto insurance cost in Fort Collins?

Car insurance costs an average of $768 per six months in Fort Collins. That's cheaper than the statewide average in Colorado ($878) and less expensive than the national average of $1,093. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Fort Collins. Read on to learn more!

Car insurance in Fort Collins vs. Colorado Average 6 Mo. Premium
Fort Collins average $768
Colorado average $878

The Zebra's key takeaways about car insurance in Fort Collins:

  • The average cost of a car insurance policy in Fort Collins is $768 per six-month policy — $128 per month.
  • The cheapest company in Fort Collins is USAA ($496).
  • 36% of Zebra customers in Fort Collins stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Fort Collins auto insurance rates by company

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.

Cheapest car insurance companies in Fort Collins, CO
Company Avg. 6 Mo. Premium
USAA $496
GEICO $516
State Farm $595
Allstate $802
American Family $888

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Fort Collins.

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Fort Collins auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 49% of Fort Collins drivers. Fort Collins drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $685 per six-month, on average. Those in their 60s don't pay much more ($691).

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.

Fort Collins auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,690
20s $965
30s $749
40s $728
50s $685
60s $691
70s $807

Fort Collins auto insurance rates by credit tier

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than 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 $555 decrease in six-month car insurance rates. Our data tells us 31% of drivers in Fort Collins have a credit score of excellent (720+). 

credit score
Fort Collins auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,489
Fair $934
Good $768
Very Good $698
Exceptional $632

Fort Collins car insurance costs by violation history

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.

Fort Collins auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,038
Reckless Driving $1,053
At-fault Accident (damages less than $1,000) $963
At-fault Accident (damages greater than $2,000) $1,091
Speeding Ticket (16-20 mph over speed limit) $908

Compare over 100 insurance companies at once!

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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 editorial 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.