Cheapest Car Insurance Quotes in Deer Trail

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Deer Trail 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 Deer Trail

The car insurance rate in Deer Trail is $1374 for a six-month policy, which is $158 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Deer Trail 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 Deer Trail

$1374

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Deer Trail

1st place: Colorado Farm Bureau

At $416 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 $457 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 $685 for six months, making it the third cheapest auto insurance company in Deer Trail.

Deer Trail Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Deer Trail, CO is Colorado Farm Bureau, offering policies at just $416 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $457.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1664 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deer Trail drivers find the best deals.

Cheap Car Insurance Companies in Deer Trail, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$416	$69
American National P&C	$457	$78
Auto-Owners Insurance Co	$685	$114
Acuity	$745	$127
Colorado Farm Bureau Mutual	$872	$146
American National	$1128	$192
American Family	$1148	$193
USAA	$1288	$217
State Farm	$1557	$262
Progressive	$1584	$267
Allstate	$2162	$364
Nationwide	$2450	$417
Farmers	$2698	$454
Auto-Owners	$1215	$202
Farm Bureau	$1933	$329
California Casualty	$1664	$278

Key Takeaways

Way's key takeaways about car insurance in Deer Trail

The auto insurance costs in Deer Trail fall around $416 for six months.
The cheapest auto insurance company in Deer Trail is Colorado Farm Bureau.
Teen drivers pay the highest rate in Deer Trail at $676 per month.

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Cheapest Minimum Liability Car Insurance in Deer Trail

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 Deer Trail are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Deer Trail. Their Average 6 Month Premium is $162. California Casualty is the most expensive at $235 for the same period.

Cheapest Liability Coverage in Deer Trail, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$162	$27
American National P&C	$174	$29
American National	$208	$35
Colorado Farm Bureau Mutual	$242	$41
USAA	$288	$49
Progressive	$302	$51
Auto-Owners Insurance Co	$315	$53
Farm Bureau	$322	$54
Acuity	$342	$58
American Family	$363	$61
State Farm	$370	$62
Farmers	$571	$95
Allstate	$637	$108
Auto-Owners	$450	$75
Nationwide	$745	$124
California Casualty	$235	$40

Cheapest Full Coverage Car Insurance in Deer Trail

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 Deer Trail is Colorado Farm Bureau at $69 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Deer Trail, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$416	$69
American National P&C	$457	$78
Auto-Owners Insurance Co	$685	$114
Acuity	$745	$127
Colorado Farm Bureau Mutual	$872	$146
American National	$1128	$192
American Family	$1148	$193
USAA	$1288	$217
State Farm	$1557	$262
Progressive	$1584	$267
Allstate	$2162	$364
Nationwide	$2450	$417
Farmers	$2698	$454
Auto-Owners	$1215	$202
Farm Bureau	$1933	$329
California Casualty	$1664	$278

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Average Car Insurance in Deer Trail 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 Deer Trail, CO increasing?

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

Car Insurance Premiums by Age in Deer Trail

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 Deer Trail,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Deer Trail at $28 per month. At $3973 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$168	$28
American National P&C	$208	$35
California Casualty	$235	$40
Colorado Farm Bureau	$295	$50
Auto-Owners Insurance Co	$429	$71
Colorado Farm Bureau Mutual	$1537	$261
USAA	$1927	$324
American Family	$2409	$406
State Farm	$3423	$576
Progressive	$4182	$704
Allstate	$4511	$759
Nationwide	$7820	$1330
Farmers	$9913	$1669
Auto-Owners	$3973	$676

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 Deer Trail, Colorado Farm Bureau is the cheapest car insurance provider. At $315 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 Deer Trail is AutoOwners, offering rates of around $3678 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$315	$53
Acuity	$484	$80
American Family	$1571	$264
Progressive	$2080	$350
USAA	$2329	$395
Farmers	$3080	$519
Nationwide	$3719	$633
Allstate	$4128	$688
State Farm	$7182	$1222
Auto-Owners	$3678	$625

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Car Insurance Rates with An Accident in Deer Trail

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

Cheapest Car Insurance Companies after an At-Fault Accident in Deer Trail

The cheapest car insurance companies after an at-fault accident in Deer Trail include Colorado Farm Bureau and American National, offering $201 and $235, respectively. AutoOwners is an expensive provider with an average six-month premium of $2020.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$201	$34
American National	$235	$40
American National P&C	$249	$42
Farm Bureau	$315	$53
California Casualty	$457	$76
Colorado Farm Bureau Mutual	$1054	$180
USAA	$1114	$188
State Farm	$1168	$197
American Family	$1409	$237
Progressive	$2094	$353
Allstate	$3162	$532
Farmers	$3698	$623
Nationwide	$4296	$716
Auto-Owners	$2020	$337

Deer Trail Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Deer Trail CO. For example, the car insurance in Deer Trail after a DUI increases to $1195 for a six month policy. While the rate increases by $349 for a six-month policy in the case of a speeding ticket.

Deer Trail auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1497	$250
One Med/PIP claim	$1504	$255
Not-at-fault accident	$1530	$255
One comp claim	$1537	$261
Two Med/PIP claims	$1537	$257
Two comp claims	$1598	$271
Failure to wear a seat belt	$1671	$279
Failure to show documents	$1685	$287
Child safety restraint	$1705	$284
Driving without lights	$1705	$290
Driving with expired registration	$1772	$295
Texting while driving	$1792	$305
At-fault accident - less than $1000	$1806	$301
Cell phone violation	$1813	$308
Failure to yield	$1813	$302
Following too closely	$1813	$308
Illegal turn	$1813	$302
Failure to stop at a red light	$1819	$310
Driving too slowly	$1826	$304
Improper passing	$1833	$312
Wrong way/wrong lane	$1840	$306
Speeding 6 - 10 MPH over limit	$1846	$314
Speeding 11 - 15 MPH over limit	$1852	$308
Speeding 16 - 20 MPH over limit	$1852	$315
Speeding in school zone	$1859	$310
Passing school bus	$1893	$322
In 65 MPH zone	$2014	$336
Operating a vehicle without permission	$2020	$344
Speeding 21 - 25 MPH over limit	$2048	$341
Open container	$2101	$357
At-fault accident - $1000-$2000	$2208	$368
At-fault accident - greater than $2000	$2255	$383
Driving with a suspended license	$2363	$393
Reckless driving	$2605	$443
Refusal to submit to a chemical test	$2631	$438
Racing	$2658	$452
DUI	$2692	$449
Leaving scene of an accident/hit and run	$2792	$475

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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 Deer Trail 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 Deer Trail.

The cheapest car insurance premiums in Deer Trail are offered by Colorado Farm Bureau at $235 for a six-month policy. However, it can be as expensive as $2511 with companies like AutoOwners.

Deer Trail car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$235	$40
American National	$249	$42
American National P&C	$281	$47
Farm Bureau	$370	$61
Colorado Farm Bureau Mutual	$1074	$183
Progressive	$1276	$215
State Farm	$1363	$229
American Family	$1516	$255
USAA	$1605	$270
Farmers	$2309	$389
Allstate	$2719	$458
Nationwide	$5799	$966
Auto-Owners	$2511	$427

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 Deer Trail are offered by American National P&C at $208. However, it can be as expensive as $1262 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Deer Trail after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$208	$35
Colorado Farm Bureau	$215	$36
Auto-Owners Insurance Co	$342	$56
State Farm	$1027	$173
American Family	$1087	$183
USAA	$1443	$245
Progressive	$1664	$280
Allstate	$2719	$462
Nationwide	$3544	$591
Farmers	$4625	$786
Auto-Owners	$1262	$215

Car Insurance Price Trends in Deer Trail, Colorado

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

The average cost of full coverage in the Deer Trail rose by $294 in January compared to $266 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Deer Trail dipped to $54 in January, compared to $66 in December. This represents an decrease of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Deer Trail?

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

What is the cheapest car insurance in Deer Trail?

The cheapest car insurance in Deer Trail is $69 per month for full coverage.

How much is car insurance in Deer Trail for teenagers?

Car insurance for teenagers costs $168 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 Deer Trail?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $232 per month to insure your car in Deer Trail.

Is car insurance expensive in Deer Trail?

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

What is the best car insurance in Deer Trail, CO?

The best car insurance company in Deer Trail CO is Colorado Farm Bureau, offering $416 for a six-month policy.