Cheapest Car Insurance Quotes in Fruita

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408,850 Policies Sold

Fruita Car Insurance

^$ 18

/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 Fruita

The car insurance rate in Fruita is $804 for a six-month policy, which is $283 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $272, making it a popular choice for budget-conscious drivers. Rates in Fruita 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 Fruita

$804

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Fruita

1st place: Colorado Farm Bureau

At $272 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 $299 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 $448 for six months, making it the third cheapest auto insurance company in Fruita.

Fruita Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fruita, CO is Colorado Farm Bureau, offering policies at just $272 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $299.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1266 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fruita drivers find the best deals.

Cheap Car Insurance Companies in Fruita, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$272	$47
American National P&C	$299	$50
Auto-Owners Insurance Co	$448	$76
Acuity	$488	$81
Colorado Farm Bureau Mutual	$589	$100
American Family	$712	$120
American National	$739	$126
State Farm	$804	$135
USAA	$818	$138
Farmers	$945	$158
Progressive	$1024	$172
Allstate	$1271	$214
Nationwide	$1604	$273
Auto-Owners	$796	$132
Farm Bureau	$1266	$215

Key Takeaways

Way's key takeaways about car insurance in Fruita

The auto insurance costs in Fruita fall around $272 for six months.
The cheapest auto insurance company in Fruita is Colorado Farm Bureau.
Teen drivers pay the highest rate in Fruita at $443 per month.

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Cheapest Minimum Liability Car Insurance in Fruita

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 Fruita are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Fruita. Their Average 6 Month Premium is $106. AutoOwners is the most expensive at $295 for the same period.

Cheapest Liability Coverage in Fruita, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$106	$18
American National P&C	$114	$19
American National	$136	$23
Colorado Farm Bureau Mutual	$163	$27
USAA	$181	$30
Auto-Owners Insurance Co	$206	$35
Farm Bureau	$211	$36
Acuity	$224	$38
State Farm	$238	$40
Progressive	$246	$41
American Family	$255	$43
Farmers	$303	$52
Allstate	$466	$78
Nationwide	$488	$83
Auto-Owners	$295	$49

Cheapest Full Coverage Car Insurance in Fruita

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 Fruita is Colorado Farm Bureau at $47 per month and $272 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fruita, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$272	$47
American National P&C	$299	$50
Auto-Owners Insurance Co	$448	$76
Acuity	$488	$81
Colorado Farm Bureau Mutual	$589	$100
American Family	$712	$120
American National	$739	$126
State Farm	$804	$135
USAA	$818	$138
Farmers	$945	$158
Progressive	$1024	$172
Allstate	$1271	$214
Nationwide	$1604	$273
Auto-Owners	$796	$132
Farm Bureau	$1266	$215

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Average Car Insurance in Fruita 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 Fruita, CO increasing?

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

Car Insurance Premiums by Age in Fruita

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 Fruita,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Fruita at $19 per month. At $2602 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$110	$19
American National P&C	$136	$23
California Casualty	$154	$26
Colorado Farm Bureau	$193	$33
Auto-Owners Insurance Co	$281	$48
USAA	$1020	$172
American Family	$1587	$267
State Farm	$1618	$272
Progressive	$1925	$324
Allstate	$3240	$540
Nationwide	$5121	$871
Colorado Farm Bureau Mutual	$1006	$171
Farmers	$6492	$1093
Auto-Owners	$2602	$443

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 Fruita, Colorado Farm Bureau is the cheapest car insurance provider. At $206 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 Fruita is AutoOwners, offering rates of around $2409 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$206	$35
Acuity	$317	$54
Farmers	$374	$62
American Family	$1029	$173
Progressive	$1362	$229
USAA	$1525	$259
Nationwide	$2435	$406
Allstate	$2703	$460
State Farm	$4703	$784
Auto-Owners	$2409	$409

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Car Insurance Rates with An Accident in Fruita

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

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

The cheapest car insurance companies after an at-fault accident in Fruita include Colorado Farm Bureau and American National, offering $132 and $154, respectively. AutoOwners is an expensive provider with an average six-month premium of $1323.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$132	$22
American National	$154	$26
American National P&C	$163	$27
Farm Bureau	$206	$35
California Casualty	$299	$50
State Farm	$571	$96
USAA	$655	$110
American Family	$870	$147
Progressive	$1217	$205
Allstate	$2497	$425
Nationwide	$2813	$469
Colorado Farm Bureau Mutual	$690	$118
Farmers	$2422	$408
Auto-Owners	$1323	$221

Fruita Car Insurance Rates by Violation

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

Fruita 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 Fruita 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 Fruita.

The cheapest car insurance premiums in Fruita are offered by Colorado Farm Bureau at $154 for a six-month policy. However, it can be as expensive as $1644 with companies like AutoOwners.

Fruita car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$154	$26
American National	$163	$27
American National P&C	$184	$31
Farm Bureau	$242	$40
Farmers	$365	$62
Progressive	$739	$124
State Farm	$892	$150
USAA	$949	$160
American Family	$1006	$169
Allstate	$2141	$357
Nationwide	$3798	$646
Colorado Farm Bureau Mutual	$703	$120
Auto-Owners	$1644	$280

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 Fruita are offered by American National P&C at $136. However, it can be as expensive as $827 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Fruita after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$136	$23
Colorado Farm Bureau	$141	$24
Auto-Owners Insurance Co	$224	$37
State Farm	$673	$113
American Family	$712	$120
USAA	$945	$161
Progressive	$1094	$184
Allstate	$1780	$303
Nationwide	$2321	$387
Farmers	$3029	$515
Auto-Owners	$827	$141

Car Insurance Price Trends in Fruita, Colorado

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

The average cost of full coverage in the Fruita dipped by $166 in March compared to $192 of February. In other words, there has been an decrease by $26 when you compare March and February.

The average cost of liability insurance in the Fruita rose to $40 in March, compared to $36 in February. This represents an increase of $4 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Fruita?

The car insurance in Fruita is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Fruita?

The cheapest car insurance in Fruita is $47 per month for full coverage.

How much is car insurance in Fruita for teenagers?

Car insurance for teenagers costs $110 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 Fruita?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $135 per month to insure your car in Fruita.

Is car insurance expensive in Fruita?

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

What is the best car insurance in Fruita, CO?

The best car insurance company in Fruita CO is Colorado Farm Bureau, offering $272 for a six-month policy.