Cheapest Car Insurance Quotes in Elizabeth

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Elizabeth Car Insurance

^$ 26

/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 Elizabeth

The car insurance rate in Elizabeth is $1227 for a six-month policy, which is $80 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Elizabeth 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 Elizabeth

$1227

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Elizabeth

1st place: Colorado Farm Bureau

At $394 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 $432 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 $648 for six months, making it the third cheapest auto insurance company in Elizabeth.

Elizabeth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elizabeth, CO is Colorado Farm Bureau, offering policies at just $394 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $432.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1576 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elizabeth drivers find the best deals.

Cheap Car Insurance Companies in Elizabeth, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$394	$67
American National P&C	$432	$72
Auto-Owners Insurance Co	$648	$110
Acuity	$705	$118
Colorado Farm Bureau Mutual	$826	$140
American Family	$1036	$174
American National	$1068	$182
Auto-Owners	$1150	$192
USAA	$1182	$199
State Farm	$1239	$209
Progressive	$1310	$220
Allstate	$1831	$308
Farm Bureau	$1831	$311
Nationwide	$2136	$356
Farmers	$2288	$385
California Casualty	$1576	$263

Key Takeaways

Way's key takeaways about car insurance in Elizabeth

The auto insurance costs in Elizabeth fall around $394 for six months.
The cheapest auto insurance company in Elizabeth is Colorado Farm Bureau.
Teen drivers pay the highest rate in Elizabeth at $1447 per month.

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Cheapest Minimum Liability Car Insurance in Elizabeth

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 Elizabeth are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Elizabeth. Their Average 6 Month Premium is $153. California Casualty is the most expensive at $223 for the same period.

Cheapest Liability Coverage in Elizabeth, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$153	$26
American National P&C	$165	$28
American National	$197	$33
Colorado Farm Bureau Mutual	$229	$39
USAA	$261	$44
Auto-Owners Insurance Co	$299	$50
Farm Bureau	$305	$51
Progressive	$318	$54
Acuity	$324	$55
State Farm	$356	$60
American Family	$363	$61
Auto-Owners	$426	$73
Allstate	$699	$118
Nationwide	$705	$120
Farmers	$712	$120
California Casualty	$223	$37

Cheapest Full Coverage Car Insurance in Elizabeth

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 Elizabeth is Colorado Farm Bureau at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elizabeth, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$394	$67
American National P&C	$432	$72
Auto-Owners Insurance Co	$648	$110
Acuity	$705	$118
Colorado Farm Bureau Mutual	$826	$140
American Family	$1036	$174
American National	$1068	$182
Auto-Owners	$1150	$192
USAA	$1182	$199
State Farm	$1239	$209
Progressive	$1310	$220
Allstate	$1831	$308
Farm Bureau	$1831	$311
Nationwide	$2136	$356
Farmers	$2288	$385
California Casualty	$1576	$263

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Average Car Insurance in Elizabeth 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 Elizabeth, CO increasing?

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

Car Insurance Premiums by Age in Elizabeth

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	$912
30s	USAA	$669
40s	USAA	$577
50s	USAA	$583
60s	USAA	$594
70s	USAA	$696

Cheapest Car Insurance Rates for Teen Drivers in Elizabeth,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Elizabeth at $27 per month. At $8593 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$159	$27
American National P&C	$197	$33
California Casualty	$223	$37
Colorado Farm Bureau	$279	$47
Auto-Owners Insurance Co	$407	$67
Colorado Farm Bureau Mutual	$1455	$247
USAA	$1716	$289
American Family	$2129	$358
State Farm	$2803	$472
Progressive	$3483	$586
Auto-Owners	$3762	$627
Allstate	$3813	$642
Nationwide	$6851	$1142
Farmers	$8593	$1447

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Elizabeth.

As young drivers face the highest rates in Elizabeth, USAA offers the cheapest auto insurance rates at $912 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 Elizabeth, Colorado Farm Bureau is the cheapest car insurance provider. At $299 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 Elizabeth is State Farm, offering rates of around $4118 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$299	$50
Acuity	$458	$76
American Family	$1360	$229
Progressive	$1405	$236
USAA	$1970	$335
Farmers	$2497	$421
Allstate	$3197	$544
Nationwide	$3247	$541
Auto-Owners	$3483	$592
State Farm	$4118	$687

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Car Insurance Rates with An Accident in Elizabeth

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

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

The cheapest car insurance companies after an at-fault accident in Elizabeth include Colorado Farm Bureau and American National, offering $190 and $223, respectively. Nationwide is an expensive provider with an average six-month premium of $3725.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$190	$32
American National	$223	$37
American National P&C	$235	$40
Farm Bureau	$299	$50
California Casualty	$432	$72
State Farm	$973	$164
Colorado Farm Bureau Mutual	$998	$166
USAA	$998	$168
American Family	$1252	$211
Progressive	$1748	$294
Auto-Owners	$1913	$319
Allstate	$2644	$445
Farmers	$3146	$530
Nationwide	$3725	$633

Elizabeth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elizabeth CO. For example, the car insurance in Elizabeth after a DUI increases to $1131 for a six month policy. While the rate increases by $330 for a six-month policy in the case of a speeding ticket.

Elizabeth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1418	$236
One Med/PIP claim	$1424	$242
Not-at-fault accident	$1449	$242
One comp claim	$1455	$247
Two Med/PIP claims	$1455	$243
Two comp claims	$1513	$257
Failure to wear a seat belt	$1583	$264
Failure to show documents	$1595	$272
Child safety restraint	$1615	$269
Driving without lights	$1615	$275
Driving with expired registration	$1678	$279
Texting while driving	$1697	$289
At-fault accident - less than $1000	$1710	$285
Cell phone violation	$1716	$292
Failure to yield	$1716	$286
Following too closely	$1716	$292
Illegal turn	$1716	$286
Failure to stop at a red light	$1723	$293
Driving too slowly	$1729	$288
Improper passing	$1736	$295
Wrong way/wrong lane	$1742	$290
Speeding 6 - 10 MPH over limit	$1748	$297
Speeding 11 - 15 MPH over limit	$1754	$292
Speeding 16 - 20 MPH over limit	$1754	$299
Speeding in school zone	$1760	$293
Passing school bus	$1792	$305
In 65 MPH zone	$1907	$318
Operating a vehicle without permission	$1913	$325
Speeding 21 - 25 MPH over limit	$1939	$323
Open container	$1989	$338
At-fault accident - $1000-$2000	$2091	$349
At-fault accident - greater than $2000	$2136	$363
Driving with a suspended license	$2237	$372
Reckless driving	$2466	$419
Refusal to submit to a chemical test	$2491	$415
Racing	$2517	$428
DUI	$2549	$425
Leaving scene of an accident/hit and run	$2644	$449

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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 Elizabeth 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 Elizabeth.

The cheapest car insurance premiums in Elizabeth are offered by Colorado Farm Bureau at $223 for a six-month policy. However, it can be as expensive as $5015 with companies like Nationwide.

Elizabeth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$223	$37
American National	$235	$40
American National P&C	$266	$45
Farm Bureau	$350	$60
Colorado Farm Bureau Mutual	$1017	$169
Progressive	$1081	$182
State Farm	$1100	$185
American Family	$1347	$227
USAA	$1431	$241
Farmers	$1958	$330
Allstate	$2281	$384
Auto-Owners	$2378	$404
Nationwide	$5015	$836

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 Elizabeth are offered by American National P&C at $197. However, it can be as expensive as $3673 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Elizabeth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$197	$33
Colorado Farm Bureau	$203	$34
Auto-Owners Insurance Co	$324	$56
State Farm	$724	$122
American Family	$941	$158
Auto-Owners	$1195	$199
USAA	$1214	$207
Progressive	$1245	$210
Allstate	$2097	$356
Nationwide	$3076	$513
Farmers	$3673	$625

Car Insurance Price Trends in Elizabeth, Colorado

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

The average cost of full coverage in the Elizabeth rose by $251 in December compared to $246 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 Elizabeth rose to $62 in December, compared to $56 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elizabeth?

The car insurance in Elizabeth is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Elizabeth?

The cheapest car insurance in Elizabeth is $67 per month for full coverage.

How much is car insurance in Elizabeth for teenagers?

Car insurance for teenagers costs $159 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 Elizabeth?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $207 per month to insure your car in Elizabeth.

Is car insurance expensive in Elizabeth?

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

What is the best car insurance in Elizabeth, CO?

The best car insurance company in Elizabeth CO is Colorado Farm Bureau, offering $394 for a six-month policy.