Cheapest Car Insurance Quotes in De Beque

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De Beque 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 De Beque

The car insurance rate in De Beque is $985 for a six-month policy, which is $231 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $298, making it a popular choice for budget-conscious drivers. Rates in De Beque 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 De Beque

$985

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in De Beque

1st place: Colorado Farm Bureau

At $298 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 $327 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 $491 for six months, making it the third cheapest auto insurance company in De Beque.

De Beque Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in De Beque, CO is Colorado Farm Bureau, offering policies at just $298 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $327.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1193 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Beque drivers find the best deals.

Cheap Car Insurance Companies in De Beque, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$298	$49
American National P&C	$327	$56
Auto-Owners Insurance Co	$491	$82
Acuity	$534	$91
Colorado Farm Bureau Mutual	$625	$104
American National	$808	$138
American Family	$823	$139
USAA	$923	$156
State Farm	$1116	$188
Progressive	$1136	$191
Allstate	$1550	$261
Nationwide	$1756	$299
Farmers	$1934	$326
Auto-Owners	$871	$145
Farm Bureau	$1386	$236
California Casualty	$1193	$199

Key Takeaways

Way's key takeaways about car insurance in De Beque

The auto insurance costs in De Beque fall around $298 for six months.
The cheapest auto insurance company in De Beque is Colorado Farm Bureau.
Teen drivers pay the highest rate in De Beque at $484 per month.

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Cheapest Minimum Liability Car Insurance in De Beque

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 De Beque are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in De Beque. Their Average 6 Month Premium is $116. California Casualty is the most expensive at $168 for the same period.

Cheapest Liability Coverage in De Beque, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$116	$19
American National P&C	$125	$21
American National	$149	$25
Colorado Farm Bureau Mutual	$173	$29
USAA	$207	$35
Progressive	$216	$36
Auto-Owners Insurance Co	$226	$38
Farm Bureau	$231	$39
Acuity	$245	$41
American Family	$260	$44
State Farm	$265	$45
Farmers	$409	$68
Allstate	$457	$78
Auto-Owners	$322	$53
Nationwide	$534	$89
California Casualty	$168	$28

Cheapest Full Coverage Car Insurance in De Beque

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 De Beque is Colorado Farm Bureau at $49 per month and $298 for six months.

Cheapest Full Coverage Car Insurance Quotes in De Beque, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$298	$49
American National P&C	$327	$56
Auto-Owners Insurance Co	$491	$82
Acuity	$534	$91
Colorado Farm Bureau Mutual	$625	$104
American National	$808	$138
American Family	$823	$139
USAA	$923	$156
State Farm	$1116	$188
Progressive	$1136	$191
Allstate	$1550	$261
Nationwide	$1756	$299
Farmers	$1934	$326
Auto-Owners	$871	$145
Farm Bureau	$1386	$236
California Casualty	$1193	$199

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Average Car Insurance in De Beque 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 De Beque, CO increasing?

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

Car Insurance Premiums by Age in De Beque

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 De Beque,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the De Beque at $20 per month. At $2848 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$121	$20
American National P&C	$149	$25
California Casualty	$168	$28
Colorado Farm Bureau	$211	$36
Auto-Owners Insurance Co	$308	$51
Colorado Farm Bureau Mutual	$1102	$187
USAA	$1381	$232
American Family	$1727	$291
State Farm	$2453	$413
Progressive	$2998	$505
Allstate	$3234	$544
Nationwide	$5605	$953
Farmers	$7106	$1196
Auto-Owners	$2848	$484

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 De Beque, Colorado Farm Bureau is the cheapest car insurance provider. At $226 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 De Beque is AutoOwners, offering rates of around $2637 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$226	$38
Acuity	$347	$58
American Family	$1126	$190
Progressive	$1491	$251
USAA	$1669	$284
Farmers	$2208	$372
Nationwide	$2666	$454
Allstate	$2959	$493
State Farm	$5148	$876
Auto-Owners	$2637	$448

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Car Insurance Rates with An Accident in De Beque

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

Cheapest Car Insurance Companies after an At-Fault Accident in De Beque

The cheapest car insurance companies after an at-fault accident in De Beque include Colorado Farm Bureau and American National, offering $144 and $168, respectively. AutoOwners is an expensive provider with an average six-month premium of $1448.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$144	$24
American National	$168	$28
American National P&C	$178	$30
Farm Bureau	$226	$38
California Casualty	$327	$54
Colorado Farm Bureau Mutual	$756	$129
USAA	$799	$134
State Farm	$838	$141
American Family	$1010	$170
Progressive	$1501	$253
Allstate	$2266	$382
Farmers	$2651	$446
Nationwide	$3080	$514
Auto-Owners	$1448	$241

De Beque Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in De Beque CO. For example, the car insurance in De Beque after a DUI increases to $856 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

De Beque auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1073	$179
One Med/PIP claim	$1078	$183
Not-at-fault accident	$1097	$183
One comp claim	$1102	$187
Two Med/PIP claims	$1102	$184
Two comp claims	$1145	$194
Failure to wear a seat belt	$1198	$200
Failure to show documents	$1208	$206
Child safety restraint	$1222	$203
Driving without lights	$1222	$208
Driving with expired registration	$1270	$211
Texting while driving	$1285	$219
At-fault accident - less than $1000	$1294	$215
Cell phone violation	$1299	$221
Failure to yield	$1299	$216
Following too closely	$1299	$221
Illegal turn	$1299	$216
Failure to stop at a red light	$1304	$222
Driving too slowly	$1309	$218
Improper passing	$1314	$224
Wrong way/wrong lane	$1319	$220
Speeding 6 - 10 MPH over limit	$1324	$225
Speeding 11 - 15 MPH over limit	$1328	$221
Speeding 16 - 20 MPH over limit	$1328	$226
Speeding in school zone	$1332	$222
Passing school bus	$1357	$231
In 65 MPH zone	$1443	$241
Operating a vehicle without permission	$1448	$246
Speeding 21 - 25 MPH over limit	$1468	$245
Open container	$1506	$256
At-fault accident - $1000-$2000	$1583	$264
At-fault accident - greater than $2000	$1617	$275
Driving with a suspended license	$1694	$282
Reckless driving	$1867	$318
Refusal to submit to a chemical test	$1886	$314
Racing	$1905	$324
DUI	$1929	$322
Leaving scene of an accident/hit and run	$2002	$340

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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 De Beque 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 De Beque.

The cheapest car insurance premiums in De Beque are offered by Colorado Farm Bureau at $168 for a six-month policy. However, it can be as expensive as $1800 with companies like AutoOwners.

De Beque car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$168	$28
American National	$178	$30
American National P&C	$202	$34
Farm Bureau	$265	$44
Colorado Farm Bureau Mutual	$770	$131
Progressive	$914	$154
State Farm	$977	$164
American Family	$1087	$183
USAA	$1150	$194
Farmers	$1655	$279
Allstate	$1949	$328
Nationwide	$4157	$693
Auto-Owners	$1800	$306

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 De Beque are offered by American National P&C at $149. However, it can be as expensive as $905 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in De Beque after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$149	$25
Colorado Farm Bureau	$154	$26
Auto-Owners Insurance Co	$245	$41
State Farm	$736	$124
American Family	$779	$131
USAA	$1034	$176
Progressive	$1193	$201
Allstate	$1949	$331
Nationwide	$2540	$424
Farmers	$3315	$564
Auto-Owners	$905	$154

Car Insurance Price Trends in De Beque, Colorado

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

The average cost of full coverage in the De Beque rose by $211 in January compared to $190 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the De Beque dipped to $39 in January, compared to $47 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 De Beque?

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

What is the cheapest car insurance in De Beque?

The cheapest car insurance in De Beque is $49 per month for full coverage.

How much is car insurance in De Beque for teenagers?

Car insurance for teenagers costs $121 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 De Beque?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $166 per month to insure your car in De Beque.

Is car insurance expensive in De Beque?

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

What is the best car insurance in De Beque, CO?

The best car insurance company in De Beque CO is Colorado Farm Bureau, offering $298 for a six-month policy.