Cheapest Car Insurance Quotes in Flagler

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406,175 Policies Sold

Flagler 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 Flagler

The car insurance rate in Flagler is $1350 for a six-month policy, which is $134 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 Flagler 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 Flagler

$1350

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Flagler

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 Flagler.

Flagler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Flagler, 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 Flagler drivers find the best deals.

Cheap Car Insurance Companies in Flagler, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$408	$68
American National P&C	$448	$77
Auto-Owners Insurance Co	$673	$112
Acuity	$731	$124
Colorado Farm Bureau Mutual	$857	$143
American National	$1108	$189
American Family	$1128	$190
USAA	$1265	$213
State Farm	$1530	$258
Progressive	$1556	$262
Allstate	$2123	$357
Nationwide	$2406	$410
Farmers	$2651	$446
Auto-Owners	$1193	$199
Farm Bureau	$1899	$323
California Casualty	$1635	$273

Key Takeaways

Way's key takeaways about car insurance in Flagler

The auto insurance costs in Flagler fall around $408 for six months.
The cheapest auto insurance company in Flagler is Colorado Farm Bureau.
Teen drivers pay the highest rate in Flagler at $664 per month.

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Cheapest Minimum Liability Car Insurance in Flagler

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 Flagler are given below.

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

Cheapest Liability Coverage in Flagler, 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	$283	$48
Progressive	$296	$50
Auto-Owners Insurance Co	$310	$52
Farm Bureau	$316	$53
Acuity	$336	$57
American Family	$356	$60
State Farm	$363	$61
Farmers	$561	$93
Allstate	$626	$107
Auto-Owners	$442	$73
Nationwide	$731	$122
California Casualty	$231	$39

Cheapest Full Coverage Car Insurance in Flagler

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 Flagler is Colorado Farm Bureau at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Flagler, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$408	$68
American National P&C	$448	$77
Auto-Owners Insurance Co	$673	$112
Acuity	$731	$124
Colorado Farm Bureau Mutual	$857	$143
American National	$1108	$189
American Family	$1128	$190
USAA	$1265	$213
State Farm	$1530	$258
Progressive	$1556	$262
Allstate	$2123	$357
Nationwide	$2406	$410
Farmers	$2651	$446
Auto-Owners	$1193	$199
Farm Bureau	$1899	$323
California Casualty	$1635	$273

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Average Car Insurance in Flagler 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 Flagler, CO increasing?

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

Car Insurance Premiums by Age in Flagler

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 Flagler,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Flagler at $28 per month. At $3903 for a six-month premium, AutoOwners 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	$1893	$319
American Family	$2367	$398
State Farm	$3362	$566
Progressive	$4108	$692
Allstate	$4431	$746
Nationwide	$7681	$1306
Farmers	$9738	$1639
Auto-Owners	$3903	$664

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 Flagler, 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 Flagler is AutoOwners, offering rates of around $3613 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$310	$52
Acuity	$475	$79
American Family	$1543	$260
Progressive	$2044	$344
USAA	$2288	$389
Farmers	$3026	$509
Nationwide	$3653	$622
Allstate	$4055	$676
State Farm	$7055	$1200
Auto-Owners	$3613	$614

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Car Insurance Rates with An Accident in Flagler

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

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

The cheapest car insurance companies after an at-fault accident in Flagler include Colorado Farm Bureau and American National, offering $198 and $231, respectively. AutoOwners is an expensive provider with an average six-month premium of $1985.

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
Colorado Farm Bureau Mutual	$1036	$176
USAA	$1094	$184
State Farm	$1148	$193
American Family	$1384	$233
Progressive	$2057	$346
Allstate	$3106	$523
Farmers	$3633	$612
Nationwide	$4220	$704
Auto-Owners	$1985	$331

Flagler Car Insurance Rates by Violation

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

Flagler 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 Flagler 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 Flagler.

The cheapest car insurance premiums in Flagler are offered by Colorado Farm Bureau at $231 for a six-month policy. However, it can be as expensive as $2466 with companies like AutoOwners.

Flagler 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	$60
Colorado Farm Bureau Mutual	$1055	$180
Progressive	$1253	$211
State Farm	$1339	$225
American Family	$1490	$251
USAA	$1576	$265
Farmers	$2268	$382
Allstate	$2671	$450
Nationwide	$5697	$949
Auto-Owners	$2466	$420

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 Flagler are offered by American National P&C at $204. However, it can be as expensive as $1240 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Flagler 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	$56
State Farm	$1009	$170
American Family	$1068	$180
USAA	$1417	$241
Progressive	$1635	$275
Allstate	$2671	$454
Nationwide	$3481	$581
Farmers	$4543	$773
Auto-Owners	$1240	$211

Car Insurance Price Trends in Flagler, Colorado

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

The average cost of full coverage in the Flagler rose by $289 in January compared to $261 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Flagler dipped to $53 in January, compared to $64 in December. This represents an decrease of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Flagler?

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

What is the cheapest car insurance in Flagler?

The cheapest car insurance in Flagler is $68 per month for full coverage.

How much is car insurance in Flagler 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 Flagler?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $228 per month to insure your car in Flagler.

Is car insurance expensive in Flagler?

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

What is the best car insurance in Flagler, CO?

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