Cheapest Car Insurance Quotes in Brookside

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Brookside 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 Brookside

The car insurance rate in Brookside is $1078 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Brookside 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 Brookside

$1078

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Brookside

1st place: Colorado Farm Bureau

At $346 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 $380 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 $570 for six months, making it the third cheapest auto insurance company in Brookside.

Brookside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brookside, CO is Colorado Farm Bureau, offering policies at just $346 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $380.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1385 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brookside drivers find the best deals.

Cheap Car Insurance Companies in Brookside, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$346	$59
American National P&C	$380	$63
Auto-Owners Insurance Co	$570	$97
Acuity	$619	$103
Colorado Farm Bureau Mutual	$726	$123
American Family	$910	$153
American National	$938	$160
Auto-Owners	$1010	$168
USAA	$1039	$175
State Farm	$1089	$183
Progressive	$1151	$194
Allstate	$1608	$271
Farm Bureau	$1608	$274
Nationwide	$1876	$313
Farmers	$2010	$338
California Casualty	$1385	$231

Key Takeaways

Way's key takeaways about car insurance in Brookside

The auto insurance costs in Brookside fall around $346 for six months.
The cheapest auto insurance company in Brookside is Colorado Farm Bureau.
Teen drivers pay the highest rate in Brookside at $1271 per month.

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Cheapest Minimum Liability Car Insurance in Brookside

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 Brookside are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Brookside. Their Average 6 Month Premium is $134. California Casualty is the most expensive at $196 for the same period.

Cheapest Liability Coverage in Brookside, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$134	$23
American National P&C	$145	$24
American National	$173	$29
Colorado Farm Bureau Mutual	$201	$34
USAA	$229	$39
Auto-Owners Insurance Co	$262	$44
Farm Bureau	$268	$45
Progressive	$279	$47
Acuity	$285	$48
State Farm	$313	$53
American Family	$319	$54
Auto-Owners	$374	$64
Allstate	$614	$103
Nationwide	$619	$105
Farmers	$625	$105
California Casualty	$196	$33

Cheapest Full Coverage Car Insurance in Brookside

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 Brookside is Colorado Farm Bureau at $59 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brookside, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$346	$59
American National P&C	$380	$63
Auto-Owners Insurance Co	$570	$97
Acuity	$619	$103
Colorado Farm Bureau Mutual	$726	$123
American Family	$910	$153
American National	$938	$160
Auto-Owners	$1010	$168
USAA	$1039	$175
State Farm	$1089	$183
Progressive	$1151	$194
Allstate	$1608	$271
Farm Bureau	$1608	$274
Nationwide	$1876	$313
Farmers	$2010	$338
California Casualty	$1385	$231

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Average Car Insurance in Brookside 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 Brookside, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Brookside, 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, Brookside's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Brookside

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$801
30s	USAA	$588
40s	USAA	$507
50s	USAA	$512
60s	USAA	$522
70s	USAA	$611

Cheapest Car Insurance Rates for Teen Drivers in Brookside,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Brookside at $24 per month. At $7549 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$140	$24
American National P&C	$173	$29
California Casualty	$196	$33
Colorado Farm Bureau	$245	$41
Auto-Owners Insurance Co	$357	$59
Colorado Farm Bureau Mutual	$1278	$217
USAA	$1508	$254
American Family	$1871	$315
State Farm	$2463	$415
Progressive	$3060	$515
Auto-Owners	$3305	$551
Allstate	$3350	$564
Nationwide	$6019	$1003
Farmers	$7549	$1271

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Brookside.

As young drivers face the highest rates in Brookside, USAA offers the cheapest auto insurance rates at $801 for six months.

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 Brookside, Colorado Farm Bureau is the cheapest car insurance provider. At $262 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 Brookside is State Farm, offering rates of around $3618 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$262	$44
Acuity	$402	$67
American Family	$1195	$201
Progressive	$1234	$208
USAA	$1731	$294
Farmers	$2194	$369
Allstate	$2809	$478
Nationwide	$2853	$476
Auto-Owners	$3060	$520
State Farm	$3618	$603

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Car Insurance Rates with An Accident in Brookside

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 Brookside, CO, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Brookside include Colorado Farm Bureau and American National, offering $167 and $196, respectively. Nationwide is an expensive provider with an average six-month premium of $3272.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$167	$28
American National	$196	$33
American National P&C	$207	$35
Farm Bureau	$262	$44
California Casualty	$380	$63
State Farm	$854	$144
Colorado Farm Bureau Mutual	$877	$146
USAA	$877	$148
American Family	$1100	$185
Progressive	$1536	$259
Auto-Owners	$1681	$280
Allstate	$2323	$391
Farmers	$2764	$465
Nationwide	$3272	$556

Brookside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brookside CO. For example, the car insurance in Brookside after a DUI increases to $993 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Brookside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1246	$208
One Med/PIP claim	$1251	$212
Not-at-fault accident	$1273	$212
One comp claim	$1278	$217
Two Med/PIP claims	$1278	$213
Two comp claims	$1329	$226
Failure to wear a seat belt	$1390	$232
Failure to show documents	$1402	$239
Child safety restraint	$1418	$236
Driving without lights	$1418	$242
Driving with expired registration	$1474	$245
Texting while driving	$1491	$254
At-fault accident - less than $1000	$1502	$250
Cell phone violation	$1508	$257
Failure to yield	$1508	$251
Following too closely	$1508	$257
Illegal turn	$1508	$251
Failure to stop at a red light	$1513	$258
Driving too slowly	$1519	$253
Improper passing	$1525	$259
Wrong way/wrong lane	$1530	$255
Speeding 6 - 10 MPH over limit	$1536	$261
Speeding 11 - 15 MPH over limit	$1541	$257
Speeding 16 - 20 MPH over limit	$1541	$262
Speeding in school zone	$1546	$258
Passing school bus	$1575	$268
In 65 MPH zone	$1675	$279
Operating a vehicle without permission	$1681	$286
Speeding 21 - 25 MPH over limit	$1703	$284
Open container	$1747	$297
At-fault accident - $1000-$2000	$1837	$306
At-fault accident - greater than $2000	$1876	$319
Driving with a suspended license	$1966	$327
Reckless driving	$2167	$368
Refusal to submit to a chemical test	$2188	$365
Racing	$2211	$376
DUI	$2239	$373
Leaving scene of an accident/hit and run	$2323	$395

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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 Brookside 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 Brookside.

The cheapest car insurance premiums in Brookside are offered by Colorado Farm Bureau at $196 for a six-month policy. However, it can be as expensive as $4406 with companies like Nationwide.

Brookside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$196	$33
American National	$207	$35
American National P&C	$234	$39
Farm Bureau	$307	$53
Colorado Farm Bureau Mutual	$893	$149
Progressive	$949	$160
State Farm	$966	$163
American Family	$1183	$199
USAA	$1257	$212
Farmers	$1720	$290
Allstate	$2004	$337
Auto-Owners	$2089	$355
Nationwide	$4406	$734

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 Brookside are offered by American National P&C at $173. However, it can be as expensive as $3227 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brookside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$173	$29
Colorado Farm Bureau	$179	$30
Auto-Owners Insurance Co	$285	$49
State Farm	$636	$107
American Family	$826	$139
Auto-Owners	$1050	$175
USAA	$1067	$181
Progressive	$1094	$184
Allstate	$1842	$313
Nationwide	$2703	$450
Farmers	$3227	$549

Car Insurance Price Trends in Brookside, Colorado

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

The average cost of full coverage in the Brookside rose by $221 in December compared to $216 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Brookside rose to $55 in December, compared to $49 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Brookside?

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

What is the cheapest car insurance in Brookside?

The cheapest car insurance in Brookside is $59 per month for full coverage.

How much is car insurance in Brookside for teenagers?

Car insurance for teenagers costs $140 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 Brookside?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $181 per month to insure your car in Brookside.

Is car insurance expensive in Brookside?

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

What is the best car insurance in Brookside, CO?

The best car insurance company in Brookside CO is Colorado Farm Bureau, offering $346 for a six-month policy.