Cheapest Car Insurance Quotes in Fort Lupton

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Fort Lupton Car Insurance

^$ 24

/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 Lupton

The car insurance rate in Fort Lupton is $1228 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Fort Lupton 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 Lupton

$1228

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Fort Lupton

1st place: Colorado Farm Bureau

At $372 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 $408 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 $612 for six months, making it the third cheapest auto insurance company in Fort Lupton.

Fort Lupton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Lupton, CO is Colorado Farm Bureau, offering policies at just $372 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $408.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1488 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Lupton drivers find the best deals.

Cheap Car Insurance Companies in Fort Lupton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$372	$62
American National P&C	$408	$70
Auto-Owners Insurance Co	$612	$102
Acuity	$666	$113
Colorado Farm Bureau Mutual	$780	$130
American National	$1008	$172
American Family	$1026	$173
USAA	$1151	$194
State Farm	$1392	$234
Progressive	$1416	$238
Allstate	$1932	$325
Nationwide	$2190	$373
Farmers	$2412	$406
Auto-Owners	$1086	$181
Farm Bureau	$1728	$294
California Casualty	$1488	$248

Key Takeaways

Way's key takeaways about car insurance in Fort Lupton

The auto insurance costs in Fort Lupton fall around $372 for six months.
The cheapest auto insurance company in Fort Lupton is Colorado Farm Bureau.
Teen drivers pay the highest rate in Fort Lupton at $604 per month.

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Cheapest Minimum Liability Car Insurance in Fort Lupton

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 Lupton are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Fort Lupton. Their Average 6 Month Premium is $144. California Casualty is the most expensive at $210 for the same period.

Cheapest Liability Coverage in Fort Lupton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$144	$24
American National P&C	$156	$26
American National	$186	$31
Colorado Farm Bureau Mutual	$216	$36
USAA	$258	$43
Progressive	$270	$45
Auto-Owners Insurance Co	$282	$47
Farm Bureau	$288	$48
Acuity	$306	$52
American Family	$324	$55
State Farm	$330	$56
Farmers	$510	$85
Allstate	$570	$97
Auto-Owners	$402	$67
Nationwide	$666	$111
California Casualty	$210	$35

Cheapest Full Coverage Car Insurance in Fort Lupton

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 Lupton is Colorado Farm Bureau at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Lupton, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$372	$62
American National P&C	$408	$70
Auto-Owners Insurance Co	$612	$102
Acuity	$666	$113
Colorado Farm Bureau Mutual	$780	$130
American National	$1008	$172
American Family	$1026	$173
USAA	$1151	$194
State Farm	$1392	$234
Progressive	$1416	$238
Allstate	$1932	$325
Nationwide	$2190	$373
Farmers	$2412	$406
Auto-Owners	$1086	$181
Farm Bureau	$1728	$294
California Casualty	$1488	$248

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Average Car Insurance in Fort Lupton 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 Lupton, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Lupton, 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 Lupton'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 Lupton

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 Fort Lupton,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 Lupton at $25 per month. At $3551 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$150	$25
American National P&C	$186	$31
California Casualty	$210	$35
Colorado Farm Bureau	$264	$44
Auto-Owners Insurance Co	$384	$64
Colorado Farm Bureau Mutual	$1374	$233
USAA	$1722	$290
American Family	$2153	$363
State Farm	$3059	$515
Progressive	$3738	$629
Allstate	$4032	$679
Nationwide	$6989	$1189
Farmers	$8861	$1492
Auto-Owners	$3551	$604

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 Fort Lupton, Colorado Farm Bureau is the cheapest car insurance provider. At $282 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 Lupton is AutoOwners, offering rates of around $3288 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$282	$47
Acuity	$432	$72
American Family	$1404	$236
Progressive	$1859	$313
USAA	$2082	$354
Farmers	$2753	$464
Nationwide	$3324	$566
Allstate	$3690	$615
State Farm	$6420	$1092
Auto-Owners	$3288	$559

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Car Insurance Rates with An Accident in Fort Lupton

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

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

The cheapest car insurance companies after an at-fault accident in Fort Lupton include Colorado Farm Bureau and American National, offering $180 and $210, respectively. AutoOwners is an expensive provider with an average six-month premium of $1806.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$180	$30
American National	$210	$35
American National P&C	$222	$37
Farm Bureau	$282	$47
California Casualty	$408	$68
Colorado Farm Bureau Mutual	$942	$161
USAA	$996	$168
State Farm	$1044	$176
American Family	$1259	$212
Progressive	$1872	$315
Allstate	$2826	$476
Farmers	$3306	$557
Nationwide	$3840	$640
Auto-Owners	$1806	$301

Fort Lupton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Lupton CO. For example, the car insurance in Fort Lupton after a DUI increases to $1068 for a six month policy. While the rate increases by $312 for a six-month policy in the case of a speeding ticket.

Fort Lupton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1338	$223
One Med/PIP claim	$1344	$228
Not-at-fault accident	$1368	$228
One comp claim	$1374	$233
Two Med/PIP claims	$1374	$229
Two comp claims	$1428	$242
Failure to wear a seat belt	$1494	$249
Failure to show documents	$1506	$257
Child safety restraint	$1524	$254
Driving without lights	$1524	$260
Driving with expired registration	$1584	$264
Texting while driving	$1602	$273
At-fault accident - less than $1000	$1614	$269
Cell phone violation	$1620	$276
Failure to yield	$1620	$270
Following too closely	$1620	$276
Illegal turn	$1620	$270
Failure to stop at a red light	$1626	$277
Driving too slowly	$1632	$272
Improper passing	$1638	$279
Wrong way/wrong lane	$1644	$274
Speeding 6 - 10 MPH over limit	$1650	$281
Speeding 11 - 15 MPH over limit	$1655	$276
Speeding 16 - 20 MPH over limit	$1655	$282
Speeding in school zone	$1661	$277
Passing school bus	$1692	$288
In 65 MPH zone	$1800	$300
Operating a vehicle without permission	$1806	$307
Speeding 21 - 25 MPH over limit	$1830	$305
Open container	$1878	$319
At-fault accident - $1000-$2000	$1974	$329
At-fault accident - greater than $2000	$2016	$342
Driving with a suspended license	$2112	$351
Reckless driving	$2328	$396
Refusal to submit to a chemical test	$2351	$392
Racing	$2376	$404
DUI	$2406	$401
Leaving scene of an accident/hit and run	$2496	$424

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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 Lupton 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 Lupton.

The cheapest car insurance premiums in Fort Lupton are offered by Colorado Farm Bureau at $210 for a six-month policy. However, it can be as expensive as $2244 with companies like AutoOwners.

Fort Lupton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$210	$35
American National	$222	$37
American National P&C	$251	$42
Farm Bureau	$330	$55
Colorado Farm Bureau Mutual	$960	$164
Progressive	$1140	$192
State Farm	$1218	$205
American Family	$1355	$228
USAA	$1434	$241
Farmers	$2063	$347
Allstate	$2430	$409
Nationwide	$5183	$864
Auto-Owners	$2244	$382

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 Lupton are offered by American National P&C at $186. However, it can be as expensive as $1128 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Fort Lupton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$186	$31
Colorado Farm Bureau	$192	$32
Auto-Owners Insurance Co	$306	$51
State Farm	$918	$155
American Family	$972	$164
USAA	$1290	$219
Progressive	$1488	$250
Allstate	$2430	$413
Nationwide	$3167	$528
Farmers	$4134	$703
Auto-Owners	$1128	$192

Car Insurance Price Trends in Fort Lupton, Colorado

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

The average cost of full coverage in the Fort Lupton rose by $263 in January compared to $237 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Fort Lupton dipped to $48 in January, compared to $59 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 Fort Lupton?

The car insurance in Fort Lupton is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Lupton?

The cheapest car insurance in Fort Lupton is $62 per month for full coverage.

How much is car insurance in Fort Lupton for teenagers?

Car insurance for teenagers costs $150 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 Lupton?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $207 per month to insure your car in Fort Lupton.

Is car insurance expensive in Fort Lupton?

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

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

The best car insurance company in Fort Lupton CO is Colorado Farm Bureau, offering $372 for a six-month policy.