Cheapest Car Insurance Quotes in Federal Heights

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Federal Heights Car Insurance

^$ 27

/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 Federal Heights

The car insurance rate in Federal Heights is $1273 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Federal Heights 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 Federal Heights

$1273

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Federal Heights

1st place: Colorado Farm Bureau

At $408 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 $448 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 $673 for six months, making it the third cheapest auto insurance company in Federal Heights.

Federal Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Federal Heights, CO is Colorado Farm Bureau, offering policies at just $408 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $448.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1635 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Federal Heights drivers find the best deals.

Cheap Car Insurance Companies in Federal Heights, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$408	$70
American National P&C	$448	$74
Auto-Owners Insurance Co	$673	$114
Acuity	$731	$122
Colorado Farm Bureau Mutual	$857	$145
American Family	$1074	$181
American National	$1108	$189
Auto-Owners	$1193	$199
USAA	$1227	$206
State Farm	$1285	$216
Progressive	$1359	$229
Allstate	$1899	$320
Farm Bureau	$1899	$323
Nationwide	$2216	$370
Farmers	$2373	$400
California Casualty	$1635	$273

Key Takeaways

Way's key takeaways about car insurance in Federal Heights

The auto insurance costs in Federal Heights fall around $408 for six months.
The cheapest auto insurance company in Federal Heights is Colorado Farm Bureau.
Teen drivers pay the highest rate in Federal Heights at $1501 per month.

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Cheapest Minimum Liability Car Insurance in Federal Heights

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 Federal Heights are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Federal Heights. Their Average 6 Month Premium is $159. California Casualty is the most expensive at $231 for the same period.

Cheapest Liability Coverage in Federal Heights, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$159	$27
American National P&C	$171	$29
American National	$204	$34
Colorado Farm Bureau Mutual	$238	$40
USAA	$271	$46
Auto-Owners Insurance Co	$310	$52
Farm Bureau	$316	$53
Progressive	$330	$56
Acuity	$336	$57
State Farm	$370	$62
American Family	$376	$63
Auto-Owners	$442	$75
Allstate	$725	$122
Nationwide	$731	$124
Farmers	$738	$124
California Casualty	$231	$39

Cheapest Full Coverage Car Insurance in Federal Heights

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 Federal Heights is Colorado Farm Bureau at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Federal Heights, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$408	$70
American National P&C	$448	$74
Auto-Owners Insurance Co	$673	$114
Acuity	$731	$122
Colorado Farm Bureau Mutual	$857	$145
American Family	$1074	$181
American National	$1108	$189
Auto-Owners	$1193	$199
USAA	$1227	$206
State Farm	$1285	$216
Progressive	$1359	$229
Allstate	$1899	$320
Farm Bureau	$1899	$323
Nationwide	$2216	$370
Farmers	$2373	$400
California Casualty	$1635	$273

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Average Car Insurance in Federal Heights 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 Federal Heights, CO increasing?

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

Car Insurance Premiums by Age in Federal Heights

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	$946
30s	USAA	$694
40s	USAA	$598
50s	USAA	$605
60s	USAA	$616
70s	USAA	$722

Cheapest Car Insurance Rates for Teen Drivers in Federal Heights,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Federal Heights at $28 per month. At $8914 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$165	$28
American National P&C	$204	$34
California Casualty	$231	$39
Colorado Farm Bureau	$290	$49
Auto-Owners Insurance Co	$422	$70
Colorado Farm Bureau Mutual	$1510	$256
USAA	$1780	$300
American Family	$2209	$372
State Farm	$2908	$490
Progressive	$3613	$608
Auto-Owners	$3903	$650
Allstate	$3956	$666
Nationwide	$7107	$1184
Farmers	$8914	$1501

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 Federal Heights.

As young drivers face the highest rates in Federal Heights, USAA offers the cheapest auto insurance rates at $946 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 Federal Heights, Colorado Farm Bureau is the cheapest car insurance provider. At $310 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 Federal Heights is State Farm, offering rates of around $4272 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$310	$52
Acuity	$475	$79
American Family	$1411	$238
Progressive	$1457	$245
USAA	$2044	$347
Farmers	$2591	$436
Allstate	$3317	$564
Nationwide	$3369	$562
Auto-Owners	$3613	$614
State Farm	$4272	$713

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Car Insurance Rates with An Accident in Federal Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Federal Heights

The cheapest car insurance companies after an at-fault accident in Federal Heights include Colorado Farm Bureau and American National, offering $198 and $231, respectively. Nationwide is an expensive provider with an average six-month premium of $3864.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$198	$33
American National	$231	$39
American National P&C	$244	$41
Farm Bureau	$310	$52
California Casualty	$448	$74
State Farm	$1009	$170
Colorado Farm Bureau Mutual	$1036	$172
USAA	$1036	$174
American Family	$1299	$219
Progressive	$1814	$305
Auto-Owners	$1985	$331
Allstate	$2743	$462
Farmers	$3263	$549
Nationwide	$3864	$657

Federal Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Federal Heights CO. For example, the car insurance in Federal Heights after a DUI increases to $1173 for a six month policy. While the rate increases by $343 for a six-month policy in the case of a speeding ticket.

Federal Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1471	$245
One Med/PIP claim	$1477	$251
Not-at-fault accident	$1503	$251
One comp claim	$1510	$256
Two Med/PIP claims	$1510	$252
Two comp claims	$1570	$266
Failure to wear a seat belt	$1642	$274
Failure to show documents	$1655	$282
Child safety restraint	$1675	$279
Driving without lights	$1675	$285
Driving with expired registration	$1740	$290
Texting while driving	$1760	$300
At-fault accident - less than $1000	$1774	$295
Cell phone violation	$1780	$303
Failure to yield	$1780	$296
Following too closely	$1780	$303
Illegal turn	$1780	$296
Failure to stop at a red light	$1787	$304
Driving too slowly	$1794	$299
Improper passing	$1800	$306
Wrong way/wrong lane	$1807	$301
Speeding 6 - 10 MPH over limit	$1814	$309
Speeding 11 - 15 MPH over limit	$1819	$303
Speeding 16 - 20 MPH over limit	$1819	$310
Speeding in school zone	$1826	$304
Passing school bus	$1859	$316
In 65 MPH zone	$1978	$330
Operating a vehicle without permission	$1985	$337
Speeding 21 - 25 MPH over limit	$2011	$335
Open container	$2063	$351
At-fault accident - $1000-$2000	$2169	$362
At-fault accident - greater than $2000	$2216	$376
Driving with a suspended license	$2321	$386
Reckless driving	$2559	$435
Refusal to submit to a chemical test	$2584	$431
Racing	$2611	$444
DUI	$2644	$441
Leaving scene of an accident/hit and run	$2743	$466

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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 Federal Heights 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 Federal Heights.

The cheapest car insurance premiums in Federal Heights are offered by Colorado Farm Bureau at $231 for a six-month policy. However, it can be as expensive as $5203 with companies like Nationwide.

Federal Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$231	$39
American National	$244	$41
American National P&C	$276	$47
Farm Bureau	$363	$62
Colorado Farm Bureau Mutual	$1055	$175
Progressive	$1121	$189
State Farm	$1141	$192
American Family	$1397	$235
USAA	$1484	$250
Farmers	$2031	$342
Allstate	$2367	$398
Auto-Owners	$2466	$420
Nationwide	$5203	$867

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 Federal Heights are offered by American National P&C at $204. However, it can be as expensive as $3811 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Federal Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$204	$34
Colorado Farm Bureau	$211	$36
Auto-Owners Insurance Co	$336	$58
State Farm	$751	$127
American Family	$976	$164
Auto-Owners	$1240	$206
USAA	$1260	$214
Progressive	$1292	$218
Allstate	$2176	$370
Nationwide	$3191	$532
Farmers	$3811	$648

Car Insurance Price Trends in Federal Heights, Colorado

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

The average cost of full coverage in the Federal Heights rose by $261 in December compared to $255 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Federal Heights rose to $64 in December, compared to $58 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 Federal Heights?

The car insurance in Federal Heights is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Federal Heights?

The cheapest car insurance in Federal Heights is $70 per month for full coverage.

How much is car insurance in Federal Heights for teenagers?

Car insurance for teenagers costs $165 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 Federal Heights?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $214 per month to insure your car in Federal Heights.

Is car insurance expensive in Federal Heights?

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

What is the best car insurance in Federal Heights, CO?

The best car insurance company in Federal Heights CO is Colorado Farm Bureau, offering $408 for a six-month policy.