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Finding the cheapest car insurance quotes in Dumont 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 Dumont
The car insurance rate in Dumont is $1204 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Dumont 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 $386 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 $424 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 $636
for six months, making it
the third cheapest auto insurance company in Dumont.
Dumont Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dumont, CO is Colorado Farm Bureau, offering policies at just $386 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $424.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1547 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dumont drivers find the best deals.
The auto insurance costs in Dumont fall around $386 for six
months.
The cheapest auto insurance company in Dumont is Colorado Farm Bureau.
Teen drivers pay the highest rate in Dumont at $1420 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 Dumont
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 Dumont are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Dumont. Their Average 6 Month Premium is $150.
California Casualty is the most
expensive at $218 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 Dumont is Colorado Farm Bureau
at $66 per month and $386
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dumont,
CO
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 Dumont, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dumont, 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, Dumont's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Dumont
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
$895
30s
USAA
$656
40s
USAA
$566
50s
USAA
$572
60s
USAA
$583
70s
USAA
$683
Cheapest Car Insurance Rates for Teen Drivers in
Dumont,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Dumont at $26
per
month. At $8433 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 Dumont.
As young drivers face the highest rates in Dumont, USAA
offers the cheapest auto insurance rates at $895 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 Dumont,
Colorado Farm Bureau is
the cheapest car insurance provider. At $293 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
Dumont is State Farm, offering
rates of around $4041 for six
months.
Save up to $971/yr on car insurance rates in Dumont.
Car Insurance Rates with An Accident in Dumont
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 Dumont, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dumont
The cheapest car insurance companies after an at-fault accident in
Dumont include Colorado Farm Bureau
and American National, offering $187
and $218,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$3655.
Here is a list of driving violations that can increase your car
insurance rates in Dumont CO. For example, the car
insurance in Dumont
after a DUI increases to $1110 for a six
month policy. While the rate increases by $325 for a six-month policy in the case of
a speeding ticket.
Dumont auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1391
$232
One Med/PIP claim
$1398
$237
Not-at-fault accident
$1422
$237
One comp claim
$1428
$243
Two Med/PIP claims
$1428
$238
Two comp claims
$1485
$252
Failure to wear a seat belt
$1553
$259
Failure to show documents
$1566
$267
Child safety restraint
$1584
$264
Driving without lights
$1584
$270
Driving with expired registration
$1646
$274
Texting while driving
$1665
$284
At-fault accident - less than $1000
$1678
$279
Cell phone violation
$1684
$287
Failure to yield
$1684
$280
Following too closely
$1684
$287
Illegal turn
$1684
$280
Failure to stop at a red light
$1691
$288
Driving too slowly
$1697
$282
Improper passing
$1703
$290
Wrong way/wrong lane
$1709
$285
Speeding 6 - 10 MPH over limit
$1716
$292
Speeding 11 - 15 MPH over limit
$1721
$287
Speeding 16 - 20 MPH over limit
$1721
$293
Speeding in school zone
$1727
$288
Passing school bus
$1759
$299
In 65 MPH zone
$1871
$312
Operating a vehicle without permission
$1877
$319
Speeding 21 - 25 MPH over limit
$1903
$317
Open container
$1952
$332
At-fault accident - $1000-$2000
$2052
$342
At-fault accident - greater than $2000
$2096
$356
Driving with a suspended license
$2196
$365
Reckless driving
$2420
$412
Refusal to submit to a chemical test
$2444
$407
Racing
$2470
$420
DUI
$2501
$417
Leaving scene of an accident/hit and run
$2595
$441
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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 Dumont 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 Dumont.
The cheapest car insurance premiums in
Dumont are
offered by Colorado Farm Bureau at $218 for a six-month policy.
However, it can be as
expensive as $4921 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 Dumont are offered by American National P&C
at $193. However,
it can be as expensive as $3605
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Dumont after Speeding ticket
Car insurance rates in Dumont have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dumont rose by
$247 in December
compared to $242 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 Dumont rose to $61 in December,
compared to $55 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
Dumont. At $2408 for a
six-month policy, insuring
your car at 80436 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 Dumont?
The car insurance in Dumont is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Dumont?
The cheapest car insurance in Dumont
is $66 per month
for full coverage.
How much is car insurance in Dumont for teenagers?
Car insurance for teenagers costs $156 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
Dumont?
The average cost of car insurance is $1147 for a six-month
policy. It will cost around $203 per month to insure your
car in Dumont.
Is car insurance expensive in Dumont?
Car insurance can be expensive in Dumont if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dumont can be
affordable.
What is the best car insurance in Dumont,
CO?
The best car insurance company in Dumont
CO is
Colorado Farm Bureau, offering $386 for a
six-month policy.
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Dumont Car Insurance
