Cheapest Car Insurance Quotes in Fairplay

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408,850 Policies Sold

Fairplay Car Insurance

^$ 23

/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 Fairplay

The car insurance rate in Fairplay is $1033 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Fairplay 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 Fairplay

$1033

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Fairplay

1st place: Colorado Farm Bureau

At $350 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 $384 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 $576 for six months, making it the third cheapest auto insurance company in Fairplay.

Fairplay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairplay, CO is Colorado Farm Bureau, offering policies at just $350 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $384.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairplay drivers find the best deals.

Cheap Car Insurance Companies in Fairplay, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$60
American National P&C	$384	$64
Auto-Owners Insurance Co	$576	$98
Acuity	$626	$105
Colorado Farm Bureau Mutual	$756	$128
American Family	$914	$154
American National	$948	$162
State Farm	$1033	$174
USAA	$1050	$177
Farmers	$1213	$202
Progressive	$1315	$221
Allstate	$1631	$275
Nationwide	$2060	$351
Auto-Owners	$1021	$170
Farm Bureau	$1625	$276

Key Takeaways

Way's key takeaways about car insurance in Fairplay

The auto insurance costs in Fairplay fall around $350 for six months.
The cheapest auto insurance company in Fairplay is Colorado Farm Bureau.
Teen drivers pay the highest rate in Fairplay at $568 per month.

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Cheapest Minimum Liability Car Insurance in Fairplay

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 Fairplay are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Fairplay. Their Average 6 Month Premium is $136. AutoOwners is the most expensive at $378 for the same period.

Cheapest Liability Coverage in Fairplay, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$136	$23
American National P&C	$146	$25
American National	$175	$29
Colorado Farm Bureau Mutual	$209	$35
USAA	$232	$39
Auto-Owners Insurance Co	$265	$45
Farm Bureau	$271	$46
Acuity	$288	$48
State Farm	$305	$51
Progressive	$316	$53
American Family	$328	$55
Farmers	$390	$67
Allstate	$599	$101
Nationwide	$626	$106
Auto-Owners	$378	$63

Cheapest Full Coverage Car Insurance in Fairplay

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 Fairplay is Colorado Farm Bureau at $60 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairplay, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$60
American National P&C	$384	$64
Auto-Owners Insurance Co	$576	$98
Acuity	$626	$105
Colorado Farm Bureau Mutual	$756	$128
American Family	$914	$154
American National	$948	$162
State Farm	$1033	$174
USAA	$1050	$177
Farmers	$1213	$202
Progressive	$1315	$221
Allstate	$1631	$275
Nationwide	$2060	$351
Auto-Owners	$1021	$170
Farm Bureau	$1625	$276

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Average Car Insurance in Fairplay 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 Fairplay, CO increasing?

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

Car Insurance Premiums by Age in Fairplay

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 Fairplay,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Fairplay at $24 per month. At $3340 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$142	$24
American National P&C	$175	$29
California Casualty	$198	$33
Colorado Farm Bureau	$248	$42
Auto-Owners Insurance Co	$361	$62
USAA	$1309	$220
American Family	$2037	$343
State Farm	$2077	$350
Progressive	$2472	$416
Allstate	$4159	$694
Nationwide	$6574	$1118
Colorado Farm Bureau Mutual	$1292	$219
Farmers	$8334	$1403
Auto-Owners	$3340	$568

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 Fairplay, Colorado Farm Bureau is the cheapest car insurance provider. At $265 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 Fairplay is AutoOwners, offering rates of around $3092 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$265	$45
Acuity	$407	$69
Farmers	$480	$80
American Family	$1321	$222
Progressive	$1749	$295
USAA	$1958	$333
Nationwide	$3126	$521
Allstate	$3470	$590
State Farm	$6038	$1006
Auto-Owners	$3092	$525

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Car Insurance Rates with An Accident in Fairplay

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

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

The cheapest car insurance companies after an at-fault accident in Fairplay include Colorado Farm Bureau and American National, offering $169 and $198, respectively. AutoOwners is an expensive provider with an average six-month premium of $1699.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$169	$29
American National	$198	$33
American National P&C	$209	$35
Farm Bureau	$265	$45
California Casualty	$384	$64
State Farm	$733	$124
USAA	$841	$142
American Family	$1117	$188
Progressive	$1563	$263
Allstate	$3205	$545
Nationwide	$3612	$602
Colorado Farm Bureau Mutual	$886	$151
Farmers	$3109	$523
Auto-Owners	$1699	$283

Fairplay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairplay CO. For example, the car insurance in Fairplay 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.

Fairplay auto insurance quotes by violations

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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 Fairplay 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 Fairplay.

The cheapest car insurance premiums in Fairplay are offered by Colorado Farm Bureau at $198 for a six-month policy. However, it can be as expensive as $2111 with companies like AutoOwners.

Fairplay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$198	$33
American National	$209	$35
American National P&C	$237	$40
Farm Bureau	$311	$51
Farmers	$468	$80
Progressive	$948	$160
State Farm	$1146	$193
USAA	$1219	$205
American Family	$1292	$218
Allstate	$2748	$458
Nationwide	$4875	$829
Colorado Farm Bureau Mutual	$903	$154
Auto-Owners	$2111	$359

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 Fairplay are offered by American National P&C at $175. However, it can be as expensive as $1061 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Fairplay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$175	$29
Colorado Farm Bureau	$181	$30
Auto-Owners Insurance Co	$288	$48
State Farm	$864	$145
American Family	$914	$154
USAA	$1213	$206
Progressive	$1405	$237
Allstate	$2286	$389
Nationwide	$2979	$497
Farmers	$3888	$661
Auto-Owners	$1061	$181

Car Insurance Price Trends in Fairplay, Colorado

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

The average cost of full coverage in the Fairplay dipped by $213 in February compared to $247 of January. In other words, there has been an decrease by $34 when you compare February and January.

The average cost of liability insurance in the Fairplay rose to $51 in February, compared to $46 in January. This represents an increase of $5 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Fairplay?

The car insurance in Fairplay is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Fairplay?

The cheapest car insurance in Fairplay is $60 per month for full coverage.

How much is car insurance in Fairplay for teenagers?

Car insurance for teenagers costs $142 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 Fairplay?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $174 per month to insure your car in Fairplay.

Is car insurance expensive in Fairplay?

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

What is the best car insurance in Fairplay, CO?

The best car insurance company in Fairplay CO is Colorado Farm Bureau, offering $350 for a six-month policy.