Cheapest Car Insurance Quotes in El Moro

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El Moro Car Insurance

^$ 24

/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 El Moro

The car insurance rate in El Moro is $1240 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in El Moro 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 El Moro

$1240

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in El Moro

1st place: Colorado Farm Bureau

At $375 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 $412 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 $618 for six months, making it the third cheapest auto insurance company in El Moro.

El Moro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in El Moro, CO is Colorado Farm Bureau, offering policies at just $375 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $412.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1502 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help El Moro drivers find the best deals.

Cheap Car Insurance Companies in El Moro, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$375	$62
American National P&C	$412	$70
Auto-Owners Insurance Co	$618	$103
Acuity	$672	$114
Colorado Farm Bureau Mutual	$787	$132
American National	$1018	$173
American Family	$1036	$174
USAA	$1163	$196
State Farm	$1406	$237
Progressive	$1430	$241
Allstate	$1951	$328
Nationwide	$2211	$376
Farmers	$2436	$410
Auto-Owners	$1097	$183
Farm Bureau	$1745	$297
California Casualty	$1502	$251

Key Takeaways

Way's key takeaways about car insurance in El Moro

The auto insurance costs in El Moro fall around $375 for six months.
The cheapest auto insurance company in El Moro is Colorado Farm Bureau.
Teen drivers pay the highest rate in El Moro at $610 per month.

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Cheapest Minimum Liability Car Insurance in El Moro

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 El Moro are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in El Moro. Their Average 6 Month Premium is $146. California Casualty is the most expensive at $212 for the same period.

Cheapest Liability Coverage in El Moro, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$146	$24
American National P&C	$157	$27
American National	$188	$32
Colorado Farm Bureau Mutual	$218	$37
USAA	$260	$44
Progressive	$272	$46
Auto-Owners Insurance Co	$285	$48
Farm Bureau	$291	$49
Acuity	$309	$52
American Family	$327	$55
State Farm	$334	$56
Farmers	$515	$86
Allstate	$575	$98
Auto-Owners	$406	$67
Nationwide	$672	$112
California Casualty	$212	$36

Cheapest Full Coverage Car Insurance in El Moro

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 El Moro is Colorado Farm Bureau at $62 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in El Moro, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$375	$62
American National P&C	$412	$70
Auto-Owners Insurance Co	$618	$103
Acuity	$672	$114
Colorado Farm Bureau Mutual	$787	$132
American National	$1018	$173
American Family	$1036	$174
USAA	$1163	$196
State Farm	$1406	$237
Progressive	$1430	$241
Allstate	$1951	$328
Nationwide	$2211	$376
Farmers	$2436	$410
Auto-Owners	$1097	$183
Farm Bureau	$1745	$297
California Casualty	$1502	$251

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Average Car Insurance in El Moro 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 El Moro, CO increasing?

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

Car Insurance Premiums by Age in El Moro

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 El Moro,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the El Moro at $26 per month. At $3586 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$152	$26
American National P&C	$188	$32
California Casualty	$212	$36
Colorado Farm Bureau	$266	$45
Auto-Owners Insurance Co	$388	$64
Colorado Farm Bureau Mutual	$1387	$236
USAA	$1739	$293
American Family	$2175	$366
State Farm	$3090	$520
Progressive	$3775	$635
Allstate	$4072	$685
Nationwide	$7058	$1201
Farmers	$8948	$1507
Auto-Owners	$3586	$610

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 El Moro, Colorado Farm Bureau is the cheapest car insurance provider. At $285 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 El Moro is AutoOwners, offering rates of around $3320 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$285	$48
Acuity	$437	$72
American Family	$1418	$239
Progressive	$1878	$316
USAA	$2102	$357
Farmers	$2781	$468
Nationwide	$3357	$571
Allstate	$3726	$621
State Farm	$6483	$1103
Auto-Owners	$3320	$564

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Car Insurance Rates with An Accident in El Moro

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

Cheapest Car Insurance Companies after an At-Fault Accident in El Moro

The cheapest car insurance companies after an at-fault accident in El Moro include Colorado Farm Bureau and American National, offering $182 and $212, respectively. AutoOwners is an expensive provider with an average six-month premium of $1824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$182	$31
American National	$212	$36
American National P&C	$224	$38
Farm Bureau	$285	$48
California Casualty	$412	$68
Colorado Farm Bureau Mutual	$952	$162
USAA	$1006	$169
State Farm	$1055	$177
American Family	$1272	$214
Progressive	$1890	$318
Allstate	$2854	$480
Farmers	$3338	$562
Nationwide	$3878	$647
Auto-Owners	$1824	$304

El Moro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in El Moro CO. For example, the car insurance in El Moro after a DUI increases to $1078 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

El Moro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1352	$225
One Med/PIP claim	$1358	$231
Not-at-fault accident	$1381	$231
One comp claim	$1387	$236
Two Med/PIP claims	$1387	$232
Two comp claims	$1442	$245
Failure to wear a seat belt	$1509	$252
Failure to show documents	$1521	$259
Child safety restraint	$1539	$256
Driving without lights	$1539	$262
Driving with expired registration	$1599	$266
Texting while driving	$1618	$275
At-fault accident - less than $1000	$1630	$271
Cell phone violation	$1636	$278
Failure to yield	$1636	$272
Following too closely	$1636	$278
Illegal turn	$1636	$272
Failure to stop at a red light	$1642	$279
Driving too slowly	$1648	$274
Improper passing	$1654	$282
Wrong way/wrong lane	$1661	$276
Speeding 6 - 10 MPH over limit	$1667	$284
Speeding 11 - 15 MPH over limit	$1672	$278
Speeding 16 - 20 MPH over limit	$1672	$285
Speeding in school zone	$1678	$279
Passing school bus	$1709	$291
In 65 MPH zone	$1818	$303
Operating a vehicle without permission	$1824	$310
Speeding 21 - 25 MPH over limit	$1848	$308
Open container	$1896	$322
At-fault accident - $1000-$2000	$1993	$333
At-fault accident - greater than $2000	$2036	$346
Driving with a suspended license	$2133	$355
Reckless driving	$2351	$400
Refusal to submit to a chemical test	$2375	$396
Racing	$2399	$408
DUI	$2430	$405
Leaving scene of an accident/hit and run	$2520	$428

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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 El Moro 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 El Moro.

The cheapest car insurance premiums in El Moro are offered by Colorado Farm Bureau at $212 for a six-month policy. However, it can be as expensive as $2266 with companies like AutoOwners.

El Moro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$212	$36
American National	$224	$38
American National P&C	$254	$43
Farm Bureau	$334	$55
Colorado Farm Bureau Mutual	$969	$165
Progressive	$1152	$194
State Farm	$1230	$207
American Family	$1369	$231
USAA	$1448	$244
Farmers	$2084	$351
Allstate	$2454	$413
Nationwide	$5235	$872
Auto-Owners	$2266	$386

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 El Moro are offered by American National P&C at $188. However, it can be as expensive as $1139 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in El Moro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$188	$32
Colorado Farm Bureau	$194	$33
Auto-Owners Insurance Co	$309	$51
State Farm	$927	$156
American Family	$981	$165
USAA	$1303	$221
Progressive	$1502	$253
Allstate	$2454	$417
Nationwide	$3199	$533
Farmers	$4175	$710
Auto-Owners	$1139	$194

Car Insurance Price Trends in El Moro, Colorado

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

The average cost of full coverage in the El Moro rose by $265 in January compared to $240 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the El Moro dipped to $49 in January, compared to $59 in December. This represents an decrease of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in El Moro?

The car insurance in El Moro is $24 per month, which is lower than the national average.

What is the cheapest car insurance in El Moro?

The cheapest car insurance in El Moro is $62 per month for full coverage.

How much is car insurance in El Moro for teenagers?

Car insurance for teenagers costs $152 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 El Moro?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $209 per month to insure your car in El Moro.

Is car insurance expensive in El Moro?

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

What is the best car insurance in El Moro, CO?

The best car insurance company in El Moro CO is Colorado Farm Bureau, offering $375 for a six-month policy.