Greeley, CO Car Insurance

Greeley drivers pay an average of $136 per month for car insurance. Are you paying too much?

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How much is auto insurance in Greeley?

 

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 AUTO INSURANCE RATES
Greeley Average (yearly)Colorado AverageU.S. Average
$1,634$1,757$1,548
 
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Greeley car insurance costs by company

 

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.

 
GREELEY AUTO INSURANCE RATES BY COMPANY
CompanyAverage 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.

 
 

 

Greeley auto insurance premiums by age

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.

 
GREELEY CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.

 
 

 

Greeley car insurance premiums by gender and marital status

 

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.

 
GREELEY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.

 
 

 

Greeley auto insurance rates by violation history

 

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.

 
GREELEY CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage 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.

 
 

 

Greeley car insurance costs 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 $1,185 in savings on insurance each year.

 
GREELEY CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage 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.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.