Cheapest Car Insurance Quotes in Durango

Finding the cheapest car insurance quotes in Durango 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.

Enter your zip code to get personalized rates.

Featured in

408,850 Policies Sold

Durango 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 Durango

The car insurance rate in Durango is $1000 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Durango 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 Durango

$1000

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Durango

1st place: Colorado Farm Bureau

At $339 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 $372 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 $558 for six months, making it the third cheapest auto insurance company in Durango.

Durango Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Durango, CO is Colorado Farm Bureau, offering policies at just $339 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $372.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1574 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Durango drivers find the best deals.

Cheap Car Insurance Companies in Durango, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$732	$124
American Family	$885	$149
American National	$918	$156
State Farm	$1000	$168
USAA	$1017	$171
Farmers	$1175	$196
Progressive	$1273	$214
Allstate	$1580	$266
Nationwide	$1995	$339
Auto-Owners	$989	$165
Farm Bureau	$1574	$268

Key Takeaways

Way's key takeaways about car insurance in Durango

The auto insurance costs in Durango fall around $339 for six months.
The cheapest auto insurance company in Durango is Colorado Farm Bureau.
Teen drivers pay the highest rate in Durango at $550 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 Durango

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 Durango are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Durango. Their Average 6 Month Premium is $132. AutoOwners is the most expensive at $366 for the same period.

Cheapest Liability Coverage in Durango, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$132	$22
American National P&C	$142	$24
American National	$169	$29
Colorado Farm Bureau Mutual	$202	$34
USAA	$224	$38
Auto-Owners Insurance Co	$257	$43
Farm Bureau	$262	$44
Acuity	$279	$47
State Farm	$295	$50
Progressive	$306	$52
American Family	$317	$53
Farmers	$377	$64
Allstate	$580	$98
Nationwide	$606	$103
Auto-Owners	$366	$61

Cheapest Full Coverage Car Insurance in Durango

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 Durango is Colorado Farm Bureau at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Durango, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$732	$124
American Family	$885	$149
American National	$918	$156
State Farm	$1000	$168
USAA	$1017	$171
Farmers	$1175	$196
Progressive	$1273	$214
Allstate	$1580	$266
Nationwide	$1995	$339
Auto-Owners	$989	$165
Farm Bureau	$1574	$268

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Durango Instantly!

Average Car Insurance in Durango 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 Durango, CO increasing?

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

Car Insurance Premiums by Age in Durango

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Durango,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Durango at $23 per month. At $3235 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$137	$23
American National P&C	$169	$29
California Casualty	$191	$32
Colorado Farm Bureau	$240	$40
Auto-Owners Insurance Co	$350	$60
USAA	$1268	$213
American Family	$1972	$332
State Farm	$2011	$339
Progressive	$2394	$403
Allstate	$4028	$672
Nationwide	$6366	$1083
Colorado Farm Bureau Mutual	$1251	$213
Farmers	$8071	$1359
Auto-Owners	$3235	$550

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 Durango, Colorado Farm Bureau is the cheapest car insurance provider. At $257 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 Durango is AutoOwners, offering rates of around $2995 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$257	$43
Acuity	$394	$67
Farmers	$465	$77
American Family	$1279	$215
Progressive	$1694	$285
USAA	$1896	$322
Nationwide	$3028	$504
Allstate	$3361	$571
State Farm	$5848	$974
Auto-Owners	$2995	$509

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Durango.

Car Insurance Rates with An Accident in Durango

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

Cheapest Car Insurance Companies after an At-Fault Accident in Durango

The cheapest car insurance companies after an at-fault accident in Durango include Colorado Farm Bureau and American National, offering $164 and $191, respectively. AutoOwners is an expensive provider with an average six-month premium of $1645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$164	$28
American National	$191	$32
American National P&C	$202	$34
Farm Bureau	$257	$43
California Casualty	$372	$62
State Farm	$710	$120
USAA	$814	$137
American Family	$1082	$182
Progressive	$1513	$255
Allstate	$3104	$528
Nationwide	$3498	$583
Colorado Farm Bureau Mutual	$858	$146
Farmers	$3011	$507
Auto-Owners	$1645	$274

Durango Car Insurance Rates by Violation

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

Durango auto insurance quotes by violations

undefined

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Durango 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 Durango.

The cheapest car insurance premiums in Durango are offered by Colorado Farm Bureau at $191 for a six-month policy. However, it can be as expensive as $2044 with companies like AutoOwners.

Durango car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$191	$32
American National	$202	$34
American National P&C	$229	$39
Farm Bureau	$301	$50
Farmers	$454	$77
Progressive	$918	$155
State Farm	$1110	$187
USAA	$1180	$199
American Family	$1251	$211
Allstate	$2662	$443
Nationwide	$4721	$803
Colorado Farm Bureau Mutual	$874	$149
Auto-Owners	$2044	$348

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 Durango are offered by American National P&C at $169. However, it can be as expensive as $1028 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Durango after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$169	$29
Colorado Farm Bureau	$175	$29
Auto-Owners Insurance Co	$279	$46
State Farm	$836	$141
American Family	$885	$149
USAA	$1175	$200
Progressive	$1361	$229
Allstate	$2214	$376
Nationwide	$2885	$481
Farmers	$3766	$640
Auto-Owners	$1028	$175

Car Insurance Price Trends in Durango, Colorado

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

The average cost of full coverage in the Durango dipped by $206 in March compared to $239 of February. In other words, there has been an decrease by $33 when you compare March and February.

The average cost of liability insurance in the Durango rose to $50 in March, compared to $44 in February. This represents an increase of $6 when comparing March and February.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Durango?

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

What is the cheapest car insurance in Durango?

The cheapest car insurance in Durango is $58 per month for full coverage.

How much is car insurance in Durango for teenagers?

Car insurance for teenagers costs $137 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 Durango?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $168 per month to insure your car in Durango.

Is car insurance expensive in Durango?

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

What is the best car insurance in Durango, CO?

The best car insurance company in Durango CO is Colorado Farm Bureau, offering $339 for a six-month policy.