Cheapest Car Insurance Quotes in Breckenridge

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Breckenridge Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Breckenridge

The car insurance rate in Breckenridge is $1155 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Breckenridge can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Breckenridge

$1155

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Breckenridge

1st place: Colorado Farm Bureau

At $350 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Breckenridge.

Breckenridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Breckenridge, CO is Colorado Farm Bureau, offering policies at just $350 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $384.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Breckenridge drivers find the best deals.

Cheap Car Insurance Companies in Breckenridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$58
American National P&C	$384	$66
Auto-Owners Insurance Co	$576	$96
Acuity	$626	$106
Colorado Farm Bureau Mutual	$733	$123
American National	$948	$162
American Family	$965	$162
USAA	$1083	$182
State Farm	$1309	$220
Progressive	$1332	$224
Allstate	$1817	$306
Nationwide	$2060	$351
Farmers	$2269	$382
Auto-Owners	$1021	$170
Farm Bureau	$1625	$276
California Casualty	$1399	$234

Key Takeaways

Way's key takeaways about car insurance in Breckenridge

The auto insurance costs in Breckenridge fall around $350 for six months.
The cheapest auto insurance company in Breckenridge is Colorado Farm Bureau.
Teen drivers pay the highest rate in Breckenridge at $568 per month.

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Cheapest Minimum Liability Car Insurance in Breckenridge

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Breckenridge are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Breckenridge. Their Average 6 Month Premium is $136. California Casualty is the most expensive at $198 for the same period.

Cheapest Liability Coverage in Breckenridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$136	$23
American National P&C	$146	$25
American National	$175	$29
Colorado Farm Bureau Mutual	$203	$34
USAA	$242	$41
Progressive	$254	$43
Auto-Owners Insurance Co	$265	$45
Farm Bureau	$271	$46
Acuity	$288	$48
American Family	$305	$51
State Farm	$311	$52
Farmers	$480	$80
Allstate	$536	$91
Auto-Owners	$378	$63
Nationwide	$626	$105
California Casualty	$198	$33

Cheapest Full Coverage Car Insurance in Breckenridge

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Breckenridge is Colorado Farm Bureau at $58 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Breckenridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$58
American National P&C	$384	$66
Auto-Owners Insurance Co	$576	$96
Acuity	$626	$106
Colorado Farm Bureau Mutual	$733	$123
American National	$948	$162
American Family	$965	$162
USAA	$1083	$182
State Farm	$1309	$220
Progressive	$1332	$224
Allstate	$1817	$306
Nationwide	$2060	$351
Farmers	$2269	$382
Auto-Owners	$1021	$170
Farm Bureau	$1625	$276
California Casualty	$1399	$234

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Average Car Insurance in Breckenridge by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Breckenridge, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Breckenridge, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Breckenridge's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Breckenridge

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Breckenridge,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Breckenridge at $24 per month. At $3340 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$142	$24
American National P&C	$175	$29
California Casualty	$198	$33
Colorado Farm Bureau	$248	$42
Auto-Owners Insurance Co	$361	$60
Colorado Farm Bureau Mutual	$1292	$219
USAA	$1620	$273
American Family	$2025	$341
State Farm	$2878	$485
Progressive	$3516	$592
Allstate	$3792	$638
Nationwide	$6574	$1118
Farmers	$8334	$1403
Auto-Owners	$3340	$568

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Breckenridge, Colorado Farm Bureau is the cheapest car insurance provider. At $265 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Breckenridge is AutoOwners, offering rates of around $3092 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$265	$45
Acuity	$407	$67
American Family	$1321	$222
Progressive	$1749	$295
USAA	$1958	$333
Farmers	$2590	$436
Nationwide	$3126	$532
Allstate	$3470	$579
State Farm	$6038	$1027
Auto-Owners	$3092	$525

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Car Insurance Rates with An Accident in Breckenridge

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Breckenridge, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Breckenridge

The cheapest car insurance companies after an at-fault accident in Breckenridge include Colorado Farm Bureau and American National, offering $169 and $198, respectively. AutoOwners is an expensive provider with an average six-month premium of $1699.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$169	$29
American National	$198	$33
American National P&C	$209	$35
Farm Bureau	$265	$45
California Casualty	$384	$64
Colorado Farm Bureau Mutual	$886	$151
USAA	$937	$158
State Farm	$982	$165
American Family	$1185	$200
Progressive	$1760	$296
Allstate	$2658	$447
Farmers	$3109	$523
Nationwide	$3612	$602
Auto-Owners	$1699	$283

Breckenridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Breckenridge CO. For example, the car insurance in Breckenridge after a DUI increases to $1004 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Breckenridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1259	$210
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1286	$215
One comp claim	$1292	$219
Two Med/PIP claims	$1292	$216
Two comp claims	$1343	$228
Failure to wear a seat belt	$1405	$235
Failure to show documents	$1416	$241
Child safety restraint	$1434	$238
Driving without lights	$1434	$244
Driving with expired registration	$1490	$248
Texting while driving	$1507	$257
At-fault accident - less than $1000	$1518	$253
Cell phone violation	$1524	$259
Failure to yield	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Failure to stop at a red light	$1530	$260
Driving too slowly	$1535	$256
Improper passing	$1541	$262
Wrong way/wrong lane	$1547	$257
Speeding 6 - 10 MPH over limit	$1552	$264
Speeding 11 - 15 MPH over limit	$1557	$259
Speeding 16 - 20 MPH over limit	$1557	$265
Speeding in school zone	$1563	$260
Passing school bus	$1591	$271
In 65 MPH zone	$1693	$282
Operating a vehicle without permission	$1699	$289
Speeding 21 - 25 MPH over limit	$1721	$287
Open container	$1766	$300
At-fault accident - $1000-$2000	$1856	$310
At-fault accident - greater than $2000	$1896	$322
Driving with a suspended license	$1986	$331
Reckless driving	$2190	$372
Refusal to submit to a chemical test	$2212	$369
Racing	$2234	$380
DUI	$2263	$377
Leaving scene of an accident/hit and run	$2347	$399

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Breckenridge after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Breckenridge.

The cheapest car insurance premiums in Breckenridge are offered by Colorado Farm Bureau at $198 for a six-month policy. However, it can be as expensive as $2111 with companies like AutoOwners.

Breckenridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$198	$33
American National	$209	$35
American National P&C	$237	$40
Farm Bureau	$311	$51
Colorado Farm Bureau Mutual	$903	$154
Progressive	$1073	$181
State Farm	$1146	$193
American Family	$1275	$215
USAA	$1349	$227
Farmers	$1941	$327
Allstate	$2286	$385
Nationwide	$4875	$812
Auto-Owners	$2111	$359

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Breckenridge are offered by American National P&C at $175. However, it can be as expensive as $1061 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Breckenridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$175	$29
Colorado Farm Bureau	$181	$30
Auto-Owners Insurance Co	$288	$48
State Farm	$864	$145
American Family	$914	$154
USAA	$1213	$206
Progressive	$1399	$236
Allstate	$2286	$389
Nationwide	$2979	$497
Farmers	$3888	$661
Auto-Owners	$1061	$181

Car Insurance Price Trends in Breckenridge, Colorado

Car insurance rates in Breckenridge have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Breckenridge rose by $247 in January compared to $223 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Breckenridge dipped to $46 in January, compared to $55 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Breckenridge?

The car insurance in Breckenridge is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Breckenridge?

The cheapest car insurance in Breckenridge is $58 per month for full coverage.

How much is car insurance in Breckenridge for teenagers?

Car insurance for teenagers costs $142 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Breckenridge?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $195 per month to insure your car in Breckenridge.

Is car insurance expensive in Breckenridge?

Car insurance can be expensive in Breckenridge if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Breckenridge can be affordable.

What is the best car insurance in Breckenridge, CO?

The best car insurance company in Breckenridge CO is Colorado Farm Bureau, offering $350 for a six-month policy.