Cheapest Car Insurance Quotes in Buena Vista

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Buena Vista Car Insurance

^$ 22

/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 Buena Vista

The car insurance rate in Buena Vista is $1131 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Buena Vista 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 Buena Vista

$1131

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Buena Vista

1st place: Colorado Farm Bureau

At $342 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 $376 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 $564 for six months, making it the third cheapest auto insurance company in Buena Vista.

Buena Vista Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buena Vista, CO is Colorado Farm Bureau, offering policies at just $342 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $376.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1370 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buena Vista drivers find the best deals.

Cheap Car Insurance Companies in Buena Vista, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$342	$57
American National P&C	$376	$64
Auto-Owners Insurance Co	$564	$94
Acuity	$613	$104
Colorado Farm Bureau Mutual	$718	$120
American National	$928	$158
American Family	$945	$159
USAA	$1060	$179
State Farm	$1282	$216
Progressive	$1304	$219
Allstate	$1779	$299
Nationwide	$2016	$343
Farmers	$2221	$374
Auto-Owners	$1000	$166
Farm Bureau	$1591	$271
California Casualty	$1370	$229

Key Takeaways

Way's key takeaways about car insurance in Buena Vista

The auto insurance costs in Buena Vista fall around $342 for six months.
The cheapest auto insurance company in Buena Vista is Colorado Farm Bureau.
Teen drivers pay the highest rate in Buena Vista at $556 per month.

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Cheapest Minimum Liability Car Insurance in Buena Vista

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 Buena Vista are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Buena Vista. Their Average 6 Month Premium is $133. California Casualty is the most expensive at $193 for the same period.

Cheapest Liability Coverage in Buena Vista, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$133	$22
American National P&C	$143	$24
American National	$171	$29
Colorado Farm Bureau Mutual	$199	$33
USAA	$237	$40
Progressive	$248	$42
Auto-Owners Insurance Co	$259	$44
Farm Bureau	$265	$45
Acuity	$282	$47
American Family	$299	$50
State Farm	$304	$51
Farmers	$470	$78
Allstate	$525	$89
Auto-Owners	$370	$61
Nationwide	$613	$102
California Casualty	$193	$33

Cheapest Full Coverage Car Insurance in Buena Vista

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 Buena Vista is Colorado Farm Bureau at $57 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buena Vista, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$342	$57
American National P&C	$376	$64
Auto-Owners Insurance Co	$564	$94
Acuity	$613	$104
Colorado Farm Bureau Mutual	$718	$120
American National	$928	$158
American Family	$945	$159
USAA	$1060	$179
State Farm	$1282	$216
Progressive	$1304	$219
Allstate	$1779	$299
Nationwide	$2016	$343
Farmers	$2221	$374
Auto-Owners	$1000	$166
Farm Bureau	$1591	$271
California Casualty	$1370	$229

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Average Car Insurance in Buena Vista 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 Buena Vista, CO increasing?

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

Car Insurance Premiums by Age in Buena Vista

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 Buena Vista,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Buena Vista at $23 per month. At $3270 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$139	$23
American National P&C	$171	$29
California Casualty	$193	$33
Colorado Farm Bureau	$243	$41
Auto-Owners Insurance Co	$353	$59
Colorado Farm Bureau Mutual	$1265	$215
USAA	$1586	$267
American Family	$1983	$334
State Farm	$2817	$474
Progressive	$3442	$579
Allstate	$3713	$625
Nationwide	$6436	$1095
Farmers	$8159	$1374
Auto-Owners	$3270	$556

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 Buena Vista, Colorado Farm Bureau is the cheapest car insurance provider. At $259 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 Buena Vista is AutoOwners, offering rates of around $3027 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$259	$44
Acuity	$398	$66
American Family	$1293	$218
Progressive	$1712	$288
USAA	$1917	$326
Farmers	$2535	$427
Nationwide	$3061	$521
Allstate	$3397	$566
State Farm	$5911	$1005
Auto-Owners	$3027	$514

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Car Insurance Rates with An Accident in Buena Vista

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

Cheapest Car Insurance Companies after an At-Fault Accident in Buena Vista

The cheapest car insurance companies after an at-fault accident in Buena Vista include Colorado Farm Bureau and American National, offering $166 and $193, respectively. AutoOwners is an expensive provider with an average six-month premium of $1663.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$166	$28
American National	$193	$33
American National P&C	$205	$34
Farm Bureau	$259	$44
California Casualty	$376	$62
Colorado Farm Bureau Mutual	$868	$148
USAA	$917	$154
State Farm	$962	$162
American Family	$1160	$195
Progressive	$1723	$290
Allstate	$2602	$438
Farmers	$3044	$512
Nationwide	$3536	$590
Auto-Owners	$1663	$277

Buena Vista Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buena Vista CO. For example, the car insurance in Buena Vista after a DUI increases to $983 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Buena Vista auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1232	$206
One Med/PIP claim	$1238	$210
Not-at-fault accident	$1259	$210
One comp claim	$1265	$215
Two Med/PIP claims	$1265	$211
Two comp claims	$1315	$223
Failure to wear a seat belt	$1375	$230
Failure to show documents	$1387	$236
Child safety restraint	$1403	$233
Driving without lights	$1403	$239
Driving with expired registration	$1458	$243
Texting while driving	$1475	$251
At-fault accident - less than $1000	$1486	$247
Cell phone violation	$1492	$254
Failure to yield	$1492	$248
Following too closely	$1492	$254
Illegal turn	$1492	$248
Failure to stop at a red light	$1497	$255
Driving too slowly	$1503	$250
Improper passing	$1508	$257
Wrong way/wrong lane	$1514	$252
Speeding 6 - 10 MPH over limit	$1520	$259
Speeding 11 - 15 MPH over limit	$1524	$254
Speeding 16 - 20 MPH over limit	$1524	$259
Speeding in school zone	$1530	$255
Passing school bus	$1558	$265
In 65 MPH zone	$1657	$276
Operating a vehicle without permission	$1663	$283
Speeding 21 - 25 MPH over limit	$1685	$281
Open container	$1729	$294
At-fault accident - $1000-$2000	$1817	$303
At-fault accident - greater than $2000	$1856	$315
Driving with a suspended license	$1945	$324
Reckless driving	$2144	$365
Refusal to submit to a chemical test	$2165	$361
Racing	$2187	$372
DUI	$2215	$369
Leaving scene of an accident/hit and run	$2298	$391

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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 Buena Vista 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 Buena Vista.

The cheapest car insurance premiums in Buena Vista are offered by Colorado Farm Bureau at $193 for a six-month policy. However, it can be as expensive as $2066 with companies like AutoOwners.

Buena Vista car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$193	$33
American National	$205	$34
American National P&C	$232	$39
Farm Bureau	$304	$50
Colorado Farm Bureau Mutual	$884	$151
Progressive	$1050	$177
State Farm	$1122	$189
American Family	$1248	$210
USAA	$1321	$222
Farmers	$1900	$320
Allstate	$2238	$377
Nationwide	$4773	$795
Auto-Owners	$2066	$352

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 Buena Vista are offered by American National P&C at $171. However, it can be as expensive as $1039 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Buena Vista after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$171	$29
Colorado Farm Bureau	$177	$30
Auto-Owners Insurance Co	$282	$47
State Farm	$845	$142
American Family	$895	$151
USAA	$1188	$202
Progressive	$1370	$231
Allstate	$2238	$380
Nationwide	$2916	$486
Farmers	$3806	$647
Auto-Owners	$1039	$177

Car Insurance Price Trends in Buena Vista, Colorado

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

The average cost of full coverage in the Buena Vista rose by $242 in January compared to $219 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Buena Vista dipped to $45 in January, compared to $54 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 Buena Vista?

The car insurance in Buena Vista is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Buena Vista?

The cheapest car insurance in Buena Vista is $57 per month for full coverage.

How much is car insurance in Buena Vista for teenagers?

Car insurance for teenagers costs $139 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 Buena Vista?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $191 per month to insure your car in Buena Vista.

Is car insurance expensive in Buena Vista?

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

What is the best car insurance in Buena Vista, CO?

The best car insurance company in Buena Vista CO is Colorado Farm Bureau, offering $342 for a six-month policy.