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Finding the cheapest car insurance quotes in Conifer 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 Conifer
The car insurance rate in Conifer is $1273 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Conifer 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 $408 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 $448 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 $673
for six months, making it
the third cheapest auto insurance company in Conifer.
Conifer Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Conifer, CO is Colorado Farm Bureau, offering policies at just $408 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $448.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1635 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Conifer drivers find the best deals.
Way's key takeaways about car insurance in Conifer
The auto insurance costs in Conifer fall around $408 for six
months.
The cheapest auto insurance company in Conifer is Colorado Farm Bureau.
Teen drivers pay the highest rate in Conifer at $1501 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 Conifer
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 Conifer are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Conifer. Their Average 6 Month Premium is $159.
California Casualty is the most
expensive at $231 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 Conifer is Colorado Farm Bureau
at $70 per month and $408
for six months.
Cheapest Full Coverage Car Insurance Quotes in Conifer,
CO
Get Your Car Insurance Quote in Conifer
Instantly!
Average Car Insurance in Conifer 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 Conifer, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Conifer, 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, Conifer's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Conifer
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
$946
30s
USAA
$694
40s
USAA
$598
50s
USAA
$605
60s
USAA
$616
70s
USAA
$722
Cheapest Car Insurance Rates for Teen Drivers in
Conifer,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Conifer at $28
per
month. At $8914 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Conifer.
As young drivers face the highest rates in Conifer, USAA
offers the cheapest auto insurance rates at $946 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 Conifer,
Colorado Farm Bureau is
the cheapest car insurance provider. At $310 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
Conifer is State Farm, offering
rates of around $4272 for six
months.
Save up to $971/yr on car insurance rates in Conifer.
Car Insurance Rates with An Accident in Conifer
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 Conifer, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Conifer
The cheapest car insurance companies after an at-fault accident in
Conifer include Colorado Farm Bureau
and American National, offering $198
and $231,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$3864.
Here is a list of driving violations that can increase your car
insurance rates in Conifer CO. For example, the car
insurance in Conifer
after a DUI increases to $1173 for a six
month policy. While the rate increases by $343 for a six-month policy in the case of
a speeding ticket.
Conifer auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1471
$245
One Med/PIP claim
$1477
$251
Not-at-fault accident
$1503
$251
One comp claim
$1510
$256
Two Med/PIP claims
$1510
$252
Two comp claims
$1570
$266
Failure to wear a seat belt
$1642
$274
Failure to show documents
$1655
$282
Child safety restraint
$1675
$279
Driving without lights
$1675
$285
Driving with expired registration
$1740
$290
Texting while driving
$1760
$300
At-fault accident - less than $1000
$1774
$295
Cell phone violation
$1780
$303
Failure to yield
$1780
$296
Following too closely
$1780
$303
Illegal turn
$1780
$296
Failure to stop at a red light
$1787
$304
Driving too slowly
$1794
$299
Improper passing
$1800
$306
Wrong way/wrong lane
$1807
$301
Speeding 6 - 10 MPH over limit
$1814
$309
Speeding 11 - 15 MPH over limit
$1819
$303
Speeding 16 - 20 MPH over limit
$1819
$310
Speeding in school zone
$1826
$304
Passing school bus
$1859
$316
In 65 MPH zone
$1978
$330
Operating a vehicle without permission
$1985
$337
Speeding 21 - 25 MPH over limit
$2011
$335
Open container
$2063
$351
At-fault accident - $1000-$2000
$2169
$362
At-fault accident - greater than $2000
$2216
$376
Driving with a suspended license
$2321
$386
Reckless driving
$2559
$435
Refusal to submit to a chemical test
$2584
$431
Racing
$2611
$444
DUI
$2644
$441
Leaving scene of an accident/hit and run
$2743
$466
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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 Conifer 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 Conifer.
The cheapest car insurance premiums in
Conifer are
offered by Colorado Farm Bureau at $231 for a six-month policy.
However, it can be as
expensive as $5203 with companies
like Nationwide.
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 Conifer are offered by American National P&C
at $204. However,
it can be as expensive as $3811
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Conifer after Speeding ticket
Car insurance rates in Conifer have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Conifer rose by
$261 in December
compared to $255 of November. In other words, there has been an increase by $6 when you
compare December and November.
The average cost of liability insurance in the Conifer rose to $64 in December,
compared to $58 in November.
This represents an increase of $6
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Conifer. At $2546 for a
six-month policy, insuring
your car at 80433 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 Conifer?
The car insurance in Conifer is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Conifer?
The cheapest car insurance in Conifer
is $70 per month
for full coverage.
How much is car insurance in Conifer for teenagers?
Car insurance for teenagers costs $165 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
Conifer?
The average cost of car insurance is $1147 for a six-month
policy. It will cost around $214 per month to insure your
car in Conifer.
Is car insurance expensive in Conifer?
Car insurance can be expensive in Conifer if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Conifer can be
affordable.
What is the best car insurance in Conifer,
CO?
The best car insurance company in Conifer
CO is
Colorado Farm Bureau, offering $408 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Conifer, CO
Car Insurance Rates by State in the USA (2025 Update)
Conifer Car Insurance
