Cheapest Car Insurance Quotes in Crested Butte

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Crested Butte 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 Crested Butte

The car insurance rate in Crested Butte is $1067 for a six-month policy, which is $80 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 Crested Butte 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 Crested Butte

$1067

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Crested Butte

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 Crested Butte.

Crested Butte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crested Butte, 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 Crested Butte drivers find the best deals.

Cheap Car Insurance Companies in Crested Butte, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$342	$59
American National P&C	$376	$62
Auto-Owners Insurance Co	$564	$96
Acuity	$613	$102
Colorado Farm Bureau Mutual	$718	$122
American Family	$900	$152
American National	$928	$158
Auto-Owners	$1000	$166
USAA	$1028	$173
State Farm	$1077	$181
Progressive	$1138	$192
Allstate	$1591	$268
Farm Bureau	$1591	$271
Nationwide	$1856	$310
Farmers	$1988	$335
California Casualty	$1370	$229

Key Takeaways

Way's key takeaways about car insurance in Crested Butte

The auto insurance costs in Crested Butte fall around $342 for six months.
The cheapest auto insurance company in Crested Butte is Colorado Farm Bureau.
Teen drivers pay the highest rate in Crested Butte at $1257 per month.

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Cheapest Minimum Liability Car Insurance in Crested Butte

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 Crested Butte are given below.

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

Cheapest Liability Coverage in Crested Butte, 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	$227	$38
Auto-Owners Insurance Co	$259	$44
Farm Bureau	$265	$45
Progressive	$276	$47
Acuity	$282	$47
State Farm	$310	$52
American Family	$315	$53
Auto-Owners	$370	$63
Allstate	$607	$102
Nationwide	$613	$104
Farmers	$618	$104
California Casualty	$193	$33

Cheapest Full Coverage Car Insurance in Crested Butte

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 Crested Butte is Colorado Farm Bureau at $59 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crested Butte, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$342	$59
American National P&C	$376	$62
Auto-Owners Insurance Co	$564	$96
Acuity	$613	$102
Colorado Farm Bureau Mutual	$718	$122
American Family	$900	$152
American National	$928	$158
Auto-Owners	$1000	$166
USAA	$1028	$173
State Farm	$1077	$181
Progressive	$1138	$192
Allstate	$1591	$268
Farm Bureau	$1591	$271
Nationwide	$1856	$310
Farmers	$1988	$335
California Casualty	$1370	$229

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Average Car Insurance in Crested Butte 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 Crested Butte, CO increasing?

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

Car Insurance Premiums by Age in Crested Butte

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	$792
30s	USAA	$581
40s	USAA	$501
50s	USAA	$507
60s	USAA	$516
70s	USAA	$605

Cheapest Car Insurance Rates for Teen Drivers in Crested Butte,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Crested Butte at $23 per month. At $7469 for a six-month premium, Farmers 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	$1492	$251
American Family	$1851	$312
State Farm	$2437	$410
Progressive	$3027	$510
Auto-Owners	$3270	$545
Allstate	$3315	$558
Nationwide	$5955	$992
Farmers	$7469	$1257

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 Crested Butte.

As young drivers face the highest rates in Crested Butte, USAA offers the cheapest auto insurance rates at $792 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 Crested Butte, 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 Crested Butte is State Farm, offering rates of around $3580 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$259	$44
Acuity	$398	$66
American Family	$1182	$199
Progressive	$1221	$206
USAA	$1712	$291
Farmers	$2171	$365
Allstate	$2779	$472
Nationwide	$2823	$471
Auto-Owners	$3027	$514
State Farm	$3580	$597

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Car Insurance Rates with An Accident in Crested Butte

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

Cheapest Car Insurance Companies after an At-Fault Accident in Crested Butte

The cheapest car insurance companies after an at-fault accident in Crested Butte include Colorado Farm Bureau and American National, offering $166 and $193, respectively. Nationwide is an expensive provider with an average six-month premium of $3237.

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
State Farm	$845	$142
Colorado Farm Bureau Mutual	$868	$144
USAA	$868	$146
American Family	$1088	$183
Progressive	$1520	$256
Auto-Owners	$1663	$277
Allstate	$2298	$387
Farmers	$2734	$460
Nationwide	$3237	$551

Crested Butte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crested Butte CO. For example, the car insurance in Crested Butte 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.

Crested Butte 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 Crested Butte 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 Crested Butte.

The cheapest car insurance premiums in Crested Butte are offered by Colorado Farm Bureau at $193 for a six-month policy. However, it can be as expensive as $4359 with companies like Nationwide.

Crested Butte 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	$52
Colorado Farm Bureau Mutual	$884	$147
Progressive	$939	$158
State Farm	$956	$161
American Family	$1171	$197
USAA	$1243	$209
Farmers	$1702	$286
Allstate	$1983	$334
Auto-Owners	$2066	$352
Nationwide	$4359	$726

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 Crested Butte are offered by American National P&C at $171. However, it can be as expensive as $3193 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Crested Butte 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	$48
State Farm	$630	$106
American Family	$817	$138
Auto-Owners	$1039	$173
USAA	$1056	$179
Progressive	$1083	$182
Allstate	$1823	$310
Nationwide	$2674	$445
Farmers	$3193	$543

Car Insurance Price Trends in Crested Butte, Colorado

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

The average cost of full coverage in the Crested Butte rose by $219 in December compared to $214 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 Crested Butte rose to $54 in December, compared to $48 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Crested Butte?

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

What is the cheapest car insurance in Crested Butte?

The cheapest car insurance in Crested Butte is $59 per month for full coverage.

How much is car insurance in Crested Butte 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 Crested Butte?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $179 per month to insure your car in Crested Butte.

Is car insurance expensive in Crested Butte?

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

What is the best car insurance in Crested Butte, CO?

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