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Finding the cheapest car insurance quotes in Chromo shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Chromo
The car insurance rate in Chromo is $1167 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Chromo 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.
At $353 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 $388 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 $582
for six months, making it
the third cheapest auto insurance company in Chromo.
Chromo Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chromo, CO is Colorado Farm Bureau, offering policies at just $353 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $388.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chromo drivers find the best deals.
The auto insurance costs in Chromo fall around $353 for six
months.
The cheapest auto insurance company in Chromo is Colorado Farm Bureau.
Teen drivers pay the highest rate in Chromo at $574 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Chromo
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 Chromo are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Chromo. Their Average 6 Month Premium is $137.
California Casualty is the most
expensive at $200 for the same
period.
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 Chromo is Colorado Farm Bureau
at $59 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chromo,
CO
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 Chromo, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chromo, 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, Chromo's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chromo
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
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Cheapest Car Insurance Rates for Teen Drivers in
Chromo,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Chromo at $24
per
month. At $3375 for a six-month premium,
AutoOwners offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Chromo.
As young drivers face the highest rates in Chromo, N/A
offers the cheapest auto insurance rates at $N/A 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 Chromo,
Colorado Farm Bureau is
the cheapest car insurance provider. At $268 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
Chromo is AutoOwners, offering
rates of around $3125 for six
months.
Save up to $971/yr on car insurance rates in Chromo.
Car Insurance Rates with An Accident in Chromo
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 Chromo, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chromo
The cheapest car insurance companies after an at-fault accident in
Chromo include Colorado Farm Bureau
and American National, offering $171
and $200,
respectively. AutoOwners is an expensive provider
with an average six-month premium of
$1716.
Here is a list of driving violations that can increase your car
insurance rates in Chromo CO. For example, the car
insurance in Chromo
after a DUI increases to $1015 for a six
month policy. While the rate increases by $297 for a six-month policy in the case of
a speeding ticket.
Chromo auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1272
$212
One Med/PIP claim
$1278
$217
Not-at-fault accident
$1300
$217
One comp claim
$1306
$222
Two Med/PIP claims
$1306
$218
Two comp claims
$1357
$230
Failure to wear a seat belt
$1420
$237
Failure to show documents
$1431
$244
Child safety restraint
$1449
$241
Driving without lights
$1449
$247
Driving with expired registration
$1505
$251
Texting while driving
$1523
$259
At-fault accident - less than $1000
$1534
$255
Cell phone violation
$1540
$262
Failure to yield
$1540
$256
Following too closely
$1540
$262
Illegal turn
$1540
$256
Failure to stop at a red light
$1546
$263
Driving too slowly
$1551
$258
Improper passing
$1557
$265
Wrong way/wrong lane
$1563
$260
Speeding 6 - 10 MPH over limit
$1569
$267
Speeding 11 - 15 MPH over limit
$1573
$262
Speeding 16 - 20 MPH over limit
$1573
$268
Speeding in school zone
$1579
$263
Passing school bus
$1608
$274
In 65 MPH zone
$1711
$285
Operating a vehicle without permission
$1716
$292
Speeding 21 - 25 MPH over limit
$1740
$290
Open container
$1785
$303
At-fault accident - $1000-$2000
$1876
$313
At-fault accident - greater than $2000
$1916
$325
Driving with a suspended license
$2007
$334
Reckless driving
$2213
$376
Refusal to submit to a chemical test
$2235
$372
Racing
$2258
$384
DUI
$2287
$381
Leaving scene of an accident/hit and run
$2372
$403
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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 Chromo 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 Chromo.
The cheapest car insurance premiums in
Chromo are
offered by Colorado Farm Bureau at $200 for a six-month policy.
However, it can be as
expensive as $2133 with companies
like AutoOwners.
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 Chromo are offered by American National P&C
at $177. However,
it can be as expensive as $1072
with companies like AutoOwners for a similar
six-month premium.
Cheapest Car Insurance in Chromo after Speeding ticket
Car insurance rates in Chromo have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chromo rose by
$250 in January
compared to $226 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 Chromo dipped to $46 in January,
compared to $56 in December.
This represents an decrease of $10
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chromo. At $2334 for a
six-month policy, insuring
your car at 81128 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chromo?
The car insurance in Chromo is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Chromo?
The cheapest car insurance in Chromo
is $59 per month
for full coverage.
How much is car insurance in Chromo for teenagers?
Car insurance for teenagers costs $143 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
Chromo?
The average cost of car insurance is $1216 for a six-month
policy. It will cost around $197 per month to insure your
car in Chromo.
Is car insurance expensive in Chromo?
Car insurance can be expensive in Chromo if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chromo can be
affordable.
What is the best car insurance in Chromo,
CO?
The best car insurance company in Chromo
CO is
Colorado Farm Bureau, offering $353 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chromo, CO
Car Insurance Rates by State in the USA (2025 Update)
Chromo Car Insurance
