Cheapest Car Insurance Quotes in Fort Collins

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Fort Collins Car Insurance

^$ 22

/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 Fort Collins

The car insurance rate in Fort Collins is $1044 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Fort Collins 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 Fort Collins

$1044

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Fort Collins

1st place: Colorado Farm Bureau

At $335 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 $368 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 $551 for six months, making it the third cheapest auto insurance company in Fort Collins.

Fort Collins Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Collins, CO is Colorado Farm Bureau, offering policies at just $335 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $368.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1340 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Collins drivers find the best deals.

Cheap Car Insurance Companies in Fort Collins, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$335	$57
American National P&C	$368	$61
Auto-Owners Insurance Co	$551	$94
Acuity	$600	$100
Colorado Farm Bureau Mutual	$703	$119
American Family	$881	$148
American National	$908	$155
Auto-Owners	$978	$163
USAA	$1006	$169
State Farm	$1054	$177
Progressive	$1114	$187
Allstate	$1557	$262
Farm Bureau	$1557	$265
Nationwide	$1816	$303
Farmers	$1946	$328
California Casualty	$1340	$224

Key Takeaways

Way's key takeaways about car insurance in Fort Collins

The auto insurance costs in Fort Collins fall around $335 for six months.
The cheapest auto insurance company in Fort Collins is Colorado Farm Bureau.
Teen drivers pay the highest rate in Fort Collins at $1230 per month.

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Cheapest Minimum Liability Car Insurance in Fort Collins

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 Fort Collins are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Fort Collins. Their Average 6 Month Premium is $130. California Casualty is the most expensive at $189 for the same period.

Cheapest Liability Coverage in Fort Collins, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$130	$22
American National P&C	$140	$24
American National	$167	$28
Colorado Farm Bureau Mutual	$195	$33
USAA	$222	$37
Auto-Owners Insurance Co	$254	$43
Farm Bureau	$259	$44
Progressive	$270	$46
Acuity	$276	$46
State Farm	$303	$51
American Family	$308	$52
Auto-Owners	$362	$62
Allstate	$594	$100
Nationwide	$600	$102
Farmers	$605	$102
California Casualty	$189	$32

Cheapest Full Coverage Car Insurance in Fort Collins

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 Fort Collins is Colorado Farm Bureau at $57 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Collins, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$335	$57
American National P&C	$368	$61
Auto-Owners Insurance Co	$551	$94
Acuity	$600	$100
Colorado Farm Bureau Mutual	$703	$119
American Family	$881	$148
American National	$908	$155
Auto-Owners	$978	$163
USAA	$1006	$169
State Farm	$1054	$177
Progressive	$1114	$187
Allstate	$1557	$262
Farm Bureau	$1557	$265
Nationwide	$1816	$303
Farmers	$1946	$328
California Casualty	$1340	$224

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Average Car Insurance in Fort Collins 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 Fort Collins, CO increasing?

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

Car Insurance Premiums by Age in Fort Collins

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	$775
30s	USAA	$569
40s	USAA	$490
50s	USAA	$496
60s	USAA	$505
70s	USAA	$592

Cheapest Car Insurance Rates for Teen Drivers in Fort Collins,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Fort Collins at $23 per month. At $7308 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$136	$23
American National P&C	$167	$28
California Casualty	$189	$32
Colorado Farm Bureau	$238	$40
Auto-Owners Insurance Co	$346	$57
Colorado Farm Bureau Mutual	$1238	$210
USAA	$1460	$246
American Family	$1811	$305
State Farm	$2384	$401
Progressive	$2962	$499
Auto-Owners	$3200	$533
Allstate	$3243	$546
Nationwide	$5827	$971
Farmers	$7308	$1230

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 Fort Collins.

As young drivers face the highest rates in Fort Collins, USAA offers the cheapest auto insurance rates at $775 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 Fort Collins, Colorado Farm Bureau is the cheapest car insurance provider. At $254 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 Fort Collins is State Farm, offering rates of around $3503 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$254	$43
Acuity	$389	$65
American Family	$1157	$195
Progressive	$1195	$201
USAA	$1675	$285
Farmers	$2124	$358
Allstate	$2719	$462
Nationwide	$2762	$460
Auto-Owners	$2962	$503
State Farm	$3503	$584

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Car Insurance Rates with An Accident in Fort Collins

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Collins

The cheapest car insurance companies after an at-fault accident in Fort Collins include Colorado Farm Bureau and American National, offering $162 and $189, respectively. Nationwide is an expensive provider with an average six-month premium of $3168.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$162	$27
American National	$189	$32
American National P&C	$200	$34
Farm Bureau	$254	$43
California Casualty	$368	$61
State Farm	$827	$139
Colorado Farm Bureau Mutual	$849	$141
USAA	$849	$143
American Family	$1065	$179
Progressive	$1487	$250
Auto-Owners	$1627	$271
Allstate	$2249	$379
Farmers	$2675	$450
Nationwide	$3168	$539

Fort Collins Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Collins CO. For example, the car insurance in Fort Collins after a DUI increases to $962 for a six month policy. While the rate increases by $281 for a six-month policy in the case of a speeding ticket.

Fort Collins auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1206	$201
One Med/PIP claim	$1211	$206
Not-at-fault accident	$1232	$206
One comp claim	$1238	$210
Two Med/PIP claims	$1238	$207
Two comp claims	$1287	$218
Failure to wear a seat belt	$1346	$225
Failure to show documents	$1357	$231
Child safety restraint	$1373	$228
Driving without lights	$1373	$234
Driving with expired registration	$1427	$238
Texting while driving	$1443	$246
At-fault accident - less than $1000	$1454	$242
Cell phone violation	$1460	$248
Failure to yield	$1460	$243
Following too closely	$1460	$248
Illegal turn	$1460	$243
Failure to stop at a red light	$1465	$249
Driving too slowly	$1471	$245
Improper passing	$1476	$251
Wrong way/wrong lane	$1481	$247
Speeding 6 - 10 MPH over limit	$1487	$253
Speeding 11 - 15 MPH over limit	$1491	$248
Speeding 16 - 20 MPH over limit	$1491	$254
Speeding in school zone	$1497	$249
Passing school bus	$1524	$259
In 65 MPH zone	$1622	$270
Operating a vehicle without permission	$1627	$277
Speeding 21 - 25 MPH over limit	$1649	$275
Open container	$1692	$288
At-fault accident - $1000-$2000	$1778	$297
At-fault accident - greater than $2000	$1816	$308
Driving with a suspended license	$1903	$317
Reckless driving	$2098	$357
Refusal to submit to a chemical test	$2118	$353
Racing	$2140	$364
DUI	$2168	$361
Leaving scene of an accident/hit and run	$2249	$382

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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 Fort Collins 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 Fort Collins.

The cheapest car insurance premiums in Fort Collins are offered by Colorado Farm Bureau at $189 for a six-month policy. However, it can be as expensive as $4265 with companies like Nationwide.

Fort Collins car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$189	$32
American National	$200	$34
American National P&C	$227	$38
Farm Bureau	$298	$51
Colorado Farm Bureau Mutual	$865	$144
Progressive	$919	$155
State Farm	$935	$157
American Family	$1146	$193
USAA	$1217	$205
Farmers	$1665	$280
Allstate	$1940	$327
Auto-Owners	$2022	$344
Nationwide	$4265	$711

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 Fort Collins are offered by American National P&C at $167. However, it can be as expensive as $3124 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Collins after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$167	$28
Colorado Farm Bureau	$173	$29
Auto-Owners Insurance Co	$276	$47
State Farm	$616	$104
American Family	$800	$135
Auto-Owners	$1016	$169
USAA	$1033	$176
Progressive	$1059	$178
Allstate	$1784	$303
Nationwide	$2616	$436
Farmers	$3124	$531

Car Insurance Price Trends in Fort Collins, Colorado

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

The average cost of full coverage in the Fort Collins rose by $214 in December compared to $209 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 Fort Collins rose to $53 in December, compared to $47 in November. This represents an increase of $6 when comparing December and November.

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Average Car Insurance Cost in Fort Collins by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fort Collins. At $1231 for a six-month policy, insuring your car at 80524 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
80524	$1231	$207
80521	$1231	$207
80528	$1158	$194
80526	$1283	$216
80525	$1336	$224

Frequently Asked Questions

How much is car insurance in Fort Collins?

The car insurance in Fort Collins is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Collins?

The cheapest car insurance in Fort Collins is $57 per month for full coverage.

How much is car insurance in Fort Collins for teenagers?

Car insurance for teenagers costs $136 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 Fort Collins?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $176 per month to insure your car in Fort Collins.

Is car insurance expensive in Fort Collins?

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

What is the best car insurance in Fort Collins, CO?

The best car insurance company in Fort Collins CO is Colorado Farm Bureau, offering $335 for a six-month policy.