Greeley drivers pay an average of $136 per month for car insurance. Are you paying too much?
The typical Greeley driver pays $1,634 per year for car insurance coverage. That's less expensive than the average across Colorado ($1,757) and more costly 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 factors in Greeley.
| Greeley Average (yearly) | Colorado Average | U.S. Average |
| $1,634 | $1,757 | $1,548 |
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Greeley, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Greeley — but don't forget to get personalized car insurance quotes to match your driving profile.
| Company | Average Yearly Rate |
| GEICO | $1,010 |
| USAA | $1,012 |
| State Farm | $1,327 |
| American Family | $1,716 |
| Allstate | $1,745 |
Read our guide to finding the best cheap auto insurance.
The age group that pays the least for car insurance in Greeley are drivers in their age_50s ($1,453per year). Those in their age_60s don't pay much more ($1,467).
The Greeley drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Greeley and move out of the teenage age bracket, they reduce their premiums substantially. In Greeley, teenage drivers pay $5,814 — a full $4,347 more than the second-most expensive rate paid by an age group.
| Age bracket | Average Annual Rate |
| Teenagers | $5,814 |
| 20s | $2,063 |
| 30s | $1,594 |
| 40s | $1,546 |
| 50s | $1,453 |
| 60s | $1,467 |
| 70s | $1,720 |
Learn more about the impact of age on car insurance premiums.
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Greeley pay $109 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Greeley, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Greeley, female drivers pay $11 per year more than do male drivers.
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,645 |
| Male | $1,634 |
| Single | $1,525 |
| Married | $1,525 |
| Divorced | $1,634 |
| Widowed | $1,578 |
Read more about the relationships between gender, marital status and insurance rates.
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Greeley, a reckless driving citation results in an average insurance rate increase of $605 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $562 increase and a speeding ticket triggers a $302 rate hike.
| Citation | Average Yearly Rate |
| DWI/DUI | $2,196 |
| Reckless Driving | $2,239 |
| At-fault Accident (damages less than $1,000) | $2,070 |
| At-fault Accident (damages > $2,000) | $2,333 |
| Speeding Ticket (16-20 mph over speed limit) | $1,936 |
Learn more about how citations can raise your auto insurance rates.
Credit score is often closely correlated with car insurance costs. In fact, Greeley drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Greeley, moving into the "Fair" credit tier corresponds to an average of $1,185 in savings on insurance each year.
| Credit Tier | Average Yearly Rate |
| Very Poor | $3,183 |
| Fair | $1,998 |
| Good | $1,634 |
| Very Good | $1,484 |
| Exceptional | $1,339 |
Get additional information on how credit impacts car insurance costs.
