Cheapest Car Insurance Quotes in Clifton

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Clifton Car Insurance

^$ 19

/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 Clifton

The car insurance rate in Clifton is $961 for a six-month policy, which is $255 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in Clifton 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 Clifton

$961

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Clifton

1st place: Colorado Farm Bureau

At $291 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 $319 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 $479 for six months, making it the third cheapest auto insurance company in Clifton.

Clifton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clifton, CO is Colorado Farm Bureau, offering policies at just $291 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $319.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clifton drivers find the best deals.

Cheap Car Insurance Companies in Clifton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$291	$48
American National P&C	$319	$55
Auto-Owners Insurance Co	$479	$80
Acuity	$521	$88
Colorado Farm Bureau Mutual	$610	$102
American National	$788	$134
American Family	$803	$135
USAA	$901	$152
State Farm	$1089	$183
Progressive	$1108	$186
Allstate	$1511	$254
Nationwide	$1713	$292
Farmers	$1887	$318
Auto-Owners	$849	$141
Farm Bureau	$1352	$230
California Casualty	$1164	$194

Key Takeaways

Way's key takeaways about car insurance in Clifton

The auto insurance costs in Clifton fall around $291 for six months.
The cheapest auto insurance company in Clifton is Colorado Farm Bureau.
Teen drivers pay the highest rate in Clifton at $472 per month.

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Cheapest Minimum Liability Car Insurance in Clifton

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 Clifton are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Clifton. Their Average 6 Month Premium is $113. California Casualty is the most expensive at $164 for the same period.

Cheapest Liability Coverage in Clifton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$113	$19
American National P&C	$122	$21
American National	$145	$24
Colorado Farm Bureau Mutual	$169	$28
USAA	$201	$34
Progressive	$211	$36
Auto-Owners Insurance Co	$220	$37
Farm Bureau	$225	$38
Acuity	$239	$40
American Family	$254	$43
State Farm	$258	$43
Farmers	$399	$66
Allstate	$446	$76
Auto-Owners	$314	$52
Nationwide	$521	$87
California Casualty	$164	$28

Cheapest Full Coverage Car Insurance in Clifton

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 Clifton is Colorado Farm Bureau at $48 per month and $291 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clifton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$291	$48
American National P&C	$319	$55
Auto-Owners Insurance Co	$479	$80
Acuity	$521	$88
Colorado Farm Bureau Mutual	$610	$102
American National	$788	$134
American Family	$803	$135
USAA	$901	$152
State Farm	$1089	$183
Progressive	$1108	$186
Allstate	$1511	$254
Nationwide	$1713	$292
Farmers	$1887	$318
Auto-Owners	$849	$141
Farm Bureau	$1352	$230
California Casualty	$1164	$194

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Average Car Insurance in Clifton 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 Clifton, CO increasing?

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

Car Insurance Premiums by Age in Clifton

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 Clifton,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Clifton at $20 per month. At $2778 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$118	$20
American National P&C	$145	$24
California Casualty	$164	$28
Colorado Farm Bureau	$206	$35
Auto-Owners Insurance Co	$300	$50
Colorado Farm Bureau Mutual	$1074	$182
USAA	$1347	$227
American Family	$1684	$284
State Farm	$2393	$403
Progressive	$2924	$492
Allstate	$3154	$531
Nationwide	$5467	$930
Farmers	$6931	$1167
Auto-Owners	$2778	$472

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 Clifton, Colorado Farm Bureau is the cheapest car insurance provider. At $220 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 Clifton is AutoOwners, offering rates of around $2571 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$220	$37
Acuity	$338	$56
American Family	$1098	$185
Progressive	$1454	$245
USAA	$1628	$277
Farmers	$2154	$363
Nationwide	$2600	$442
Allstate	$2886	$481
State Farm	$5021	$854
Auto-Owners	$2571	$437

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Car Insurance Rates with An Accident in Clifton

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

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

The cheapest car insurance companies after an at-fault accident in Clifton include Colorado Farm Bureau and American National, offering $141 and $164, respectively. AutoOwners is an expensive provider with an average six-month premium of $1413.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$141	$24
American National	$164	$28
American National P&C	$174	$29
Farm Bureau	$220	$37
California Casualty	$319	$53
Colorado Farm Bureau Mutual	$737	$126
USAA	$779	$131
State Farm	$817	$137
American Family	$985	$166
Progressive	$1464	$246
Allstate	$2210	$372
Farmers	$2586	$435
Nationwide	$3004	$501
Auto-Owners	$1413	$235

Clifton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clifton CO. For example, the car insurance in Clifton after a DUI increases to $835 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Clifton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1047	$175
One Med/PIP claim	$1051	$179
Not-at-fault accident	$1070	$179
One comp claim	$1074	$182
Two Med/PIP claims	$1074	$179
Two comp claims	$1117	$190
Failure to wear a seat belt	$1168	$195
Failure to show documents	$1178	$201
Child safety restraint	$1192	$198
Driving without lights	$1192	$203
Driving with expired registration	$1239	$206
Texting while driving	$1253	$213
At-fault accident - less than $1000	$1262	$210
Cell phone violation	$1267	$216
Failure to yield	$1267	$211
Following too closely	$1267	$216
Illegal turn	$1267	$211
Failure to stop at a red light	$1272	$216
Driving too slowly	$1277	$213
Improper passing	$1281	$218
Wrong way/wrong lane	$1286	$214
Speeding 6 - 10 MPH over limit	$1291	$220
Speeding 11 - 15 MPH over limit	$1295	$216
Speeding 16 - 20 MPH over limit	$1295	$220
Speeding in school zone	$1300	$216
Passing school bus	$1323	$225
In 65 MPH zone	$1408	$235
Operating a vehicle without permission	$1413	$240
Speeding 21 - 25 MPH over limit	$1431	$239
Open container	$1469	$250
At-fault accident - $1000-$2000	$1544	$258
At-fault accident - greater than $2000	$1577	$268
Driving with a suspended license	$1652	$275
Reckless driving	$1821	$310
Refusal to submit to a chemical test	$1839	$307
Racing	$1858	$316
DUI	$1882	$314
Leaving scene of an accident/hit and run	$1952	$332

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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 Clifton 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 Clifton.

The cheapest car insurance premiums in Clifton are offered by Colorado Farm Bureau at $164 for a six-month policy. However, it can be as expensive as $1755 with companies like AutoOwners.

Clifton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$164	$28
American National	$174	$29
American National P&C	$197	$33
Farm Bureau	$258	$43
Colorado Farm Bureau Mutual	$751	$128
Progressive	$892	$150
State Farm	$953	$160
American Family	$1060	$179
USAA	$1122	$189
Farmers	$1614	$272
Allstate	$1901	$320
Nationwide	$4054	$675
Auto-Owners	$1755	$299

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 Clifton are offered by American National P&C at $145. However, it can be as expensive as $882 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Clifton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$145	$24
Colorado Farm Bureau	$150	$25
Auto-Owners Insurance Co	$239	$40
State Farm	$718	$121
American Family	$760	$128
USAA	$1009	$171
Progressive	$1164	$196
Allstate	$1901	$323
Nationwide	$2477	$413
Farmers	$3233	$550
Auto-Owners	$882	$150

Car Insurance Price Trends in Clifton, Colorado

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

The average cost of full coverage in the Clifton rose by $205 in January compared to $186 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Clifton dipped to $38 in January, compared to $46 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Clifton?

The car insurance in Clifton is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Clifton?

The cheapest car insurance in Clifton is $48 per month for full coverage.

How much is car insurance in Clifton for teenagers?

Car insurance for teenagers costs $118 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 Clifton?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $162 per month to insure your car in Clifton.

Is car insurance expensive in Clifton?

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

What is the best car insurance in Clifton, CO?

The best car insurance company in Clifton CO is Colorado Farm Bureau, offering $291 for a six-month policy.