Cheapest Car Insurance Quotes in Cimarron Hills

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Cimarron Hills Car Insurance

^$ 27

/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 Cimarron Hills

The car insurance rate in Cimarron Hills is $1285 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Cimarron Hills 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 Cimarron Hills

$1285

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Cimarron Hills

1st place: Colorado Farm Bureau

At $412 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 $452 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 $679 for six months, making it the third cheapest auto insurance company in Cimarron Hills.

Cimarron Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cimarron Hills, CO is Colorado Farm Bureau, offering policies at just $412 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $452.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1650 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cimarron Hills drivers find the best deals.

Cheap Car Insurance Companies in Cimarron Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$412	$71
American National P&C	$452	$75
Auto-Owners Insurance Co	$679	$115
Acuity	$738	$123
Colorado Farm Bureau Mutual	$865	$147
American Family	$1084	$183
American National	$1118	$190
Auto-Owners	$1204	$200
USAA	$1238	$208
State Farm	$1297	$218
Progressive	$1371	$231
Allstate	$1916	$323
Farm Bureau	$1916	$326
Nationwide	$2236	$373
Farmers	$2395	$403
California Casualty	$1650	$276

Key Takeaways

Way's key takeaways about car insurance in Cimarron Hills

The auto insurance costs in Cimarron Hills fall around $412 for six months.
The cheapest auto insurance company in Cimarron Hills is Colorado Farm Bureau.
Teen drivers pay the highest rate in Cimarron Hills at $1514 per month.

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Cheapest Minimum Liability Car Insurance in Cimarron Hills

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 Cimarron Hills are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Cimarron Hills. Their Average 6 Month Premium is $160. California Casualty is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Cimarron Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$160	$27
American National P&C	$172	$29
American National	$206	$35
Colorado Farm Bureau Mutual	$240	$40
USAA	$273	$46
Auto-Owners Insurance Co	$312	$53
Farm Bureau	$319	$54
Progressive	$333	$56
Acuity	$339	$57
State Farm	$373	$63
American Family	$380	$64
Auto-Owners	$446	$76
Allstate	$731	$123
Nationwide	$738	$125
Farmers	$745	$125
California Casualty	$233	$39

Cheapest Full Coverage Car Insurance in Cimarron Hills

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 Cimarron Hills is Colorado Farm Bureau at $71 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cimarron Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$412	$71
American National P&C	$452	$75
Auto-Owners Insurance Co	$679	$115
Acuity	$738	$123
Colorado Farm Bureau Mutual	$865	$147
American Family	$1084	$183
American National	$1118	$190
Auto-Owners	$1204	$200
USAA	$1238	$208
State Farm	$1297	$218
Progressive	$1371	$231
Allstate	$1916	$323
Farm Bureau	$1916	$326
Nationwide	$2236	$373
Farmers	$2395	$403
California Casualty	$1650	$276

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Average Car Insurance in Cimarron Hills 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 Cimarron Hills, CO increasing?

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

Car Insurance Premiums by Age in Cimarron Hills

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	$954
30s	USAA	$700
40s	USAA	$604
50s	USAA	$610
60s	USAA	$622
70s	USAA	$728

Cheapest Car Insurance Rates for Teen Drivers in Cimarron Hills,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Cimarron Hills at $28 per month. At $8995 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$167	$28
American National P&C	$206	$35
California Casualty	$233	$39
Colorado Farm Bureau	$292	$49
Auto-Owners Insurance Co	$426	$71
Colorado Farm Bureau Mutual	$1523	$259
USAA	$1796	$302
American Family	$2229	$375
State Farm	$2934	$494
Progressive	$3646	$614
Auto-Owners	$3938	$656
Allstate	$3992	$672
Nationwide	$7171	$1195
Farmers	$8995	$1514

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 Cimarron Hills.

As young drivers face the highest rates in Cimarron Hills, USAA offers the cheapest auto insurance rates at $954 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 Cimarron Hills, Colorado Farm Bureau is the cheapest car insurance provider. At $312 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 Cimarron Hills is State Farm, offering rates of around $4311 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$312	$53
Acuity	$479	$80
American Family	$1424	$240
Progressive	$1471	$248
USAA	$2062	$351
Farmers	$2614	$440
Allstate	$3347	$569
Nationwide	$3399	$567
Auto-Owners	$3646	$619
State Farm	$4311	$719

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Car Insurance Rates with An Accident in Cimarron Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cimarron Hills

The cheapest car insurance companies after an at-fault accident in Cimarron Hills include Colorado Farm Bureau and American National, offering $199 and $233, respectively. Nationwide is an expensive provider with an average six-month premium of $3899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$199	$34
American National	$233	$39
American National P&C	$246	$41
Farm Bureau	$312	$53
California Casualty	$452	$75
State Farm	$1018	$171
Colorado Farm Bureau Mutual	$1045	$174
USAA	$1045	$176
American Family	$1310	$221
Progressive	$1830	$308
Auto-Owners	$2003	$334
Allstate	$2768	$466
Farmers	$3293	$554
Nationwide	$3899	$663

Cimarron Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cimarron Hills CO. For example, the car insurance in Cimarron Hills after a DUI increases to $1184 for a six month policy. While the rate increases by $346 for a six-month policy in the case of a speeding ticket.

Cimarron Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1484	$248
One Med/PIP claim	$1491	$253
Not-at-fault accident	$1516	$253
One comp claim	$1523	$259
Two Med/PIP claims	$1523	$254
Two comp claims	$1584	$269
Failure to wear a seat belt	$1656	$277
Failure to show documents	$1670	$284
Child safety restraint	$1690	$281
Driving without lights	$1690	$288
Driving with expired registration	$1756	$292
Texting while driving	$1776	$302
At-fault accident - less than $1000	$1790	$298
Cell phone violation	$1796	$306
Failure to yield	$1796	$299
Following too closely	$1796	$306
Illegal turn	$1796	$299
Failure to stop at a red light	$1803	$307
Driving too slowly	$1810	$301
Improper passing	$1817	$309
Wrong way/wrong lane	$1823	$304
Speeding 6 - 10 MPH over limit	$1830	$311
Speeding 11 - 15 MPH over limit	$1836	$306
Speeding 16 - 20 MPH over limit	$1836	$312
Speeding in school zone	$1842	$307
Passing school bus	$1876	$319
In 65 MPH zone	$1996	$333
Operating a vehicle without permission	$2003	$340
Speeding 21 - 25 MPH over limit	$2029	$338
Open container	$2082	$354
At-fault accident - $1000-$2000	$2188	$365
At-fault accident - greater than $2000	$2236	$380
Driving with a suspended license	$2342	$390
Reckless driving	$2582	$439
Refusal to submit to a chemical test	$2607	$435
Racing	$2634	$448
DUI	$2668	$445
Leaving scene of an accident/hit and run	$2768	$470

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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 Cimarron Hills 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 Cimarron Hills.

The cheapest car insurance premiums in Cimarron Hills are offered by Colorado Farm Bureau at $233 for a six-month policy. However, it can be as expensive as $5249 with companies like Nationwide.

Cimarron Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$233	$39
American National	$246	$41
American National P&C	$279	$47
Farm Bureau	$366	$63
Colorado Farm Bureau Mutual	$1064	$177
Progressive	$1131	$190
State Farm	$1151	$194
American Family	$1410	$237
USAA	$1497	$252
Farmers	$2050	$345
Allstate	$2388	$402
Auto-Owners	$2489	$423
Nationwide	$5249	$875

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 Cimarron Hills are offered by American National P&C at $206. However, it can be as expensive as $3845 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cimarron Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$206	$35
Colorado Farm Bureau	$213	$36
Auto-Owners Insurance Co	$339	$58
State Farm	$758	$128
American Family	$984	$166
Auto-Owners	$1251	$208
USAA	$1271	$216
Progressive	$1304	$220
Allstate	$2195	$373
Nationwide	$3220	$536
Farmers	$3845	$654

Car Insurance Price Trends in Cimarron Hills, Colorado

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

The average cost of full coverage in the Cimarron Hills rose by $263 in December compared to $258 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 Cimarron Hills rose to $65 in December, compared to $58 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cimarron Hills?

The car insurance in Cimarron Hills is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Cimarron Hills?

The cheapest car insurance in Cimarron Hills is $71 per month for full coverage.

How much is car insurance in Cimarron Hills for teenagers?

Car insurance for teenagers costs $167 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 Cimarron Hills?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $216 per month to insure your car in Cimarron Hills.

Is car insurance expensive in Cimarron Hills?

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

What is the best car insurance in Cimarron Hills, CO?

The best car insurance company in Cimarron Hills CO is Colorado Farm Bureau, offering $412 for a six-month policy.