Greeley, CO Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Greeley.
How much does car insurance cost in Greeley?
The typical Greeley driver pays $817 per six-months for car insurance coverage. That's less expensive than the average across Colorado ($878) and more costly than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Greeley. Read on to learn more!
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| Car insurance in Greeley vs. Colorado | Average 6 Mo. Premium |
|---|---|
| Greeley average | $852 |
| Colorado average | $804 |
The Zebra's key takeaways about car insurance in Greeley:
- The average cost of a car insurance policy in Greeley is $817 per six-month policy — $136 per month.
- The cheapest company in Greeley is GEICO ($505).
- 38% of Zebra customers in Greeley 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?
Greeley car insurance rates by company
The company-by-company differences in auto insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your car 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 | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $505 |
| USAA | $506 |
| State Farm | $663 |
| American Family | $858 |
| Allstate | $872 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is 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 Greeley.
Greeley auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 39% of Greeley drivers. The age group that pays the least for car insurance in Greeley are drivers in their age_50s ($726 per six-months). Those in their age_60s don't pay much more ($733).
The Greeley drivers facing the priciest insurance rates are teenagers. When drivers in 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 | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,907 |
| 20s | $1,031 |
| 30s | $797 |
| 40s | $773 |
| 50s | $726 |
| 60s | $733 |
| 70s | $860 |
Greeley car insurance rates by credit score
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 $592 in savings on insurance each six-months.  Our data tells us 36% of drivers in Greenley have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,491 |
| Fair | $968 |
| Good | $852 |
| Very Good | $803 |
| Exceptional | $732 |
Greeley car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs and DWIs, 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.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,098 |
| Reckless Driving | $1,119 |
| At-fault Accident (damages less than $1,000) | $1,035 |
| At-fault Accident (damages > $2,000) | $1,166 |
| Speeding Ticket (16-20 mph over speed limit) | $968 |
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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.