Cheapest Car Insurance Quotes in Federal Heights

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Federal Heights Car Insurance

^$ 25

/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 $1120 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, 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

$1120

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Federal Heights

1st place: Colorado Farm Bureau

At $379 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 $416 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 $624 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 $379 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $416.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1762 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	$379	$65
American National P&C	$416	$69
Auto-Owners Insurance Co	$624	$106
Acuity	$679	$113
Colorado Farm Bureau Mutual	$820	$139
American Family	$991	$167
American National	$1028	$175
State Farm	$1120	$188
USAA	$1138	$192
Farmers	$1315	$219
Progressive	$1426	$240
Allstate	$1769	$298
Nationwide	$2233	$380
Auto-Owners	$1107	$184
Farm Bureau	$1762	$300

Key Takeaways

Way's key takeaways about car insurance in Federal Heights

The auto insurance costs in Federal Heights fall around $379 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 $616 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 $147. AutoOwners is the most expensive at $410 for the same period.

Cheapest Liability Coverage in Federal Heights, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$147	$25
American National P&C	$159	$27
American National	$190	$32
Colorado Farm Bureau Mutual	$227	$38
USAA	$251	$42
Auto-Owners Insurance Co	$287	$48
Farm Bureau	$294	$49
Acuity	$312	$53
State Farm	$331	$56
Progressive	$343	$58
American Family	$355	$60
Farmers	$422	$72
Allstate	$649	$109
Nationwide	$679	$115
Auto-Owners	$410	$68

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 $65 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Federal Heights, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$379	$65
American National P&C	$416	$69
Auto-Owners Insurance Co	$624	$106
Acuity	$679	$113
Colorado Farm Bureau Mutual	$820	$139
American Family	$991	$167
American National	$1028	$175
State Farm	$1120	$188
USAA	$1138	$192
Farmers	$1315	$219
Progressive	$1426	$240
Allstate	$1769	$298
Nationwide	$2233	$380
Auto-Owners	$1107	$184
Farm Bureau	$1762	$300

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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

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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 $26 per month. At $3621 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$153	$26
American National P&C	$190	$32
California Casualty	$214	$36
Colorado Farm Bureau	$269	$45
Auto-Owners Insurance Co	$391	$67
USAA	$1419	$239
American Family	$2208	$372
State Farm	$2252	$379
Progressive	$2680	$451
Allstate	$4509	$752
Nationwide	$7128	$1212
Colorado Farm Bureau Mutual	$1401	$238
Farmers	$9036	$1521
Auto-Owners	$3621	$616

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 Federal Heights, Colorado Farm Bureau is the cheapest car insurance provider. At $287 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 AutoOwners, offering rates of around $3353 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$48
Acuity	$441	$75
Farmers	$520	$87
American Family	$1432	$241
Progressive	$1896	$319
USAA	$2123	$361
Nationwide	$3390	$564
Allstate	$3763	$640
State Farm	$6547	$1091
Auto-Owners	$3353	$570

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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 $183 and $214, respectively. AutoOwners is an expensive provider with an average six-month premium of $1842.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$183	$31
American National	$214	$36
American National P&C	$227	$38
Farm Bureau	$287	$48
California Casualty	$416	$69
State Farm	$795	$134
USAA	$912	$153
American Family	$1211	$204
Progressive	$1694	$285
Allstate	$3475	$591
Nationwide	$3916	$653
Colorado Farm Bureau Mutual	$961	$164
Farmers	$3371	$568
Auto-Owners	$1842	$307

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 for a six month policy. While the rate increases by for a six-month policy in the case of a speeding ticket.

Federal Heights 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 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 $214 for a six-month policy. However, it can be as expensive as $2289 with companies like AutoOwners.

Federal Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$214	$36
American National	$227	$38
American National P&C	$256	$43
Farm Bureau	$337	$56
Farmers	$508	$87
Progressive	$1028	$173
State Farm	$1242	$209
USAA	$1321	$222
American Family	$1401	$236
Allstate	$2980	$496
Nationwide	$5286	$899
Colorado Farm Bureau Mutual	$979	$167
Auto-Owners	$2289	$389

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 $190. However, it can be as expensive as $1151 with companies like AutoOwners 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	$190	$32
Colorado Farm Bureau	$196	$33
Auto-Owners Insurance Co	$312	$52
State Farm	$936	$158
American Family	$991	$167
USAA	$1315	$224
Progressive	$1523	$256
Allstate	$2478	$421
Nationwide	$3230	$539
Farmers	$4216	$717
Auto-Owners	$1151	$196

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 dipped by $231 in March compared to $268 of February. In other words, there has been an decrease by $37 when you compare March and February.

The average cost of liability insurance in the Federal Heights rose to $56 in March, compared to $49 in February. This represents an increase of $7 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Federal Heights?

The car insurance in Federal Heights is $25 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 $65 per month for full coverage.

How much is car insurance in Federal Heights for teenagers?

Car insurance for teenagers costs $153 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 $1087 for a six-month policy. It will cost around $188 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 $379 for a six-month policy.