Fort Collins Car Insurance

The Zebra
May 30, 2018

Car Insurance in Fort Collins

Premiums in Colorado are relatively consistent with national rates, as its premiums are within 0.6% of the national average. Keep some money in your pocket by following the tips below about how to save on car insurance in Fort Collins.

  • City Average: $1,247
  • State Average: $1,435
  • National Average: $1,427

Fort Collins Car Insurance by Age

With payments of $4,835 on average, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in Fort Collins see the greatest dip in premiums when they hit their 20s, as they pay an average of $3,157 less after moving out of the teenage age range. In Fort Collins, turning 60 means a rise in rates. Up until then, transitioning between age groups means decreasing prices. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,140. People in their 60s ($1,161) aren’t paying significantly more.

  • Teenagers: $4,835
  • 20s: $1,678
  • 30s: $1,224
  • 40s: $1,201
  • 50s: $1,140
  • 60s: $1,161
  • 70s: $1,409

Fort Collins Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 122% more a year. Drivers can save an average of $314 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,420
  • Fair: $2,019
  • Good: $1,637
  • Very Good: $1,323
  • Exceptional: $1,088

Fort Collins Car Insurance by Accident or Violation History

By avoiding driving mishaps that can balloon your rates, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Fort Collins will cost you 52% more in car insurance premiums versus the city average of $1,247. Reckless driving will bump your premiums up as well, with average rates of $1,879, which are 51% higher than the city average! $586 is the amount by which you can expect your annual insurance premiums to rise in Fort Collins if you have an at-fault accident on your driving record.

  • DUI: $1,891
  • Reckless Driving: $1,879
  • At-fault Accident (damages less than $1000): $1,833
  • At-fault Accident (damages greater than $2000): $1,833
  • Speeding Ticket (16-20 mph over speed limit): $1,512

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Fort Collins Car Insurance by Gender and Marital Status

Car insurance premiums in Fort Collins can be affected by marital status as well as gender. Rates for those who are widowed are relatively cheaper than rates for those who are single. You spend $70 more per year if you're single as opposed to married. Normally, males have premiums that are 2% cheaper than those for females.

  • Female: $1,277
  • Male: $1,247
  • Single: $1,247
  • Married: $1,177
  • Divorced: $1,247
  • Widowed: $1,195