Cheapest Car Insurance Quotes in Fruitvale

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Fruitvale Car Insurance

^$ 19

/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 Fruitvale

The car insurance rate in Fruitvale is $948 for a six-month policy, which is $268 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $287, making it a popular choice for budget-conscious drivers. Rates in Fruitvale 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 Fruitvale

$948

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Fruitvale

1st place: Colorado Farm Bureau

At $287 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 $315 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 $473 for six months, making it the third cheapest auto insurance company in Fruitvale.

Fruitvale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fruitvale, CO is Colorado Farm Bureau, offering policies at just $287 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $315.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fruitvale drivers find the best deals.

Cheap Car Insurance Companies in Fruitvale, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$48
American National P&C	$315	$54
Auto-Owners Insurance Co	$473	$79
Acuity	$514	$87
Colorado Farm Bureau Mutual	$602	$101
American National	$778	$133
American Family	$792	$133
USAA	$889	$150
State Farm	$1075	$181
Progressive	$1094	$184
Allstate	$1492	$251
Nationwide	$1691	$288
Farmers	$1863	$314
Auto-Owners	$839	$140
Farm Bureau	$1335	$227
California Casualty	$1149	$192

Key Takeaways

Way's key takeaways about car insurance in Fruitvale

The auto insurance costs in Fruitvale fall around $287 for six months.
The cheapest auto insurance company in Fruitvale is Colorado Farm Bureau.
Teen drivers pay the highest rate in Fruitvale at $466 per month.

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Cheapest Minimum Liability Car Insurance in Fruitvale

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 Fruitvale are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Fruitvale. Their Average 6 Month Premium is $112. California Casualty is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Fruitvale, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$112	$19
American National P&C	$120	$20
American National	$144	$24
Colorado Farm Bureau Mutual	$167	$28
USAA	$199	$34
Progressive	$208	$35
Auto-Owners Insurance Co	$218	$37
Farm Bureau	$222	$37
Acuity	$236	$40
American Family	$250	$42
State Farm	$255	$43
Farmers	$394	$66
Allstate	$440	$75
Auto-Owners	$310	$51
Nationwide	$514	$86
California Casualty	$162	$27

Cheapest Full Coverage Car Insurance in Fruitvale

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 Fruitvale is Colorado Farm Bureau at $48 per month and $287 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fruitvale, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$48
American National P&C	$315	$54
Auto-Owners Insurance Co	$473	$79
Acuity	$514	$87
Colorado Farm Bureau Mutual	$602	$101
American National	$778	$133
American Family	$792	$133
USAA	$889	$150
State Farm	$1075	$181
Progressive	$1094	$184
Allstate	$1492	$251
Nationwide	$1691	$288
Farmers	$1863	$314
Auto-Owners	$839	$140
Farm Bureau	$1335	$227
California Casualty	$1149	$192

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Average Car Insurance in Fruitvale 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 Fruitvale, CO increasing?

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

Car Insurance Premiums by Age in Fruitvale

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 Fruitvale,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Fruitvale at $20 per month. At $2742 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$116	$20
American National P&C	$144	$24
California Casualty	$162	$27
Colorado Farm Bureau	$204	$34
Auto-Owners Insurance Co	$296	$49
Colorado Farm Bureau Mutual	$1061	$180
USAA	$1330	$224
American Family	$1663	$280
State Farm	$2363	$398
Progressive	$2887	$486
Allstate	$3114	$524
Nationwide	$5398	$918
Farmers	$6843	$1152
Auto-Owners	$2742	$466

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 Fruitvale, Colorado Farm Bureau is the cheapest car insurance provider. At $218 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 Fruitvale is AutoOwners, offering rates of around $2539 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$218	$37
Acuity	$334	$55
American Family	$1084	$183
Progressive	$1436	$242
USAA	$1608	$273
Farmers	$2126	$358
Nationwide	$2567	$437
Allstate	$2849	$475
State Farm	$4958	$843
Auto-Owners	$2539	$431

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Car Insurance Rates with An Accident in Fruitvale

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

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

The cheapest car insurance companies after an at-fault accident in Fruitvale include Colorado Farm Bureau and American National, offering $139 and $162, respectively. AutoOwners is an expensive provider with an average six-month premium of $1395.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$139	$23
American National	$162	$27
American National P&C	$172	$29
Farm Bureau	$218	$37
California Casualty	$315	$52
Colorado Farm Bureau Mutual	$728	$124
USAA	$769	$129
State Farm	$807	$136
American Family	$973	$164
Progressive	$1445	$243
Allstate	$2182	$367
Farmers	$2553	$430
Nationwide	$2966	$495
Auto-Owners	$1395	$232

Fruitvale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fruitvale CO. For example, the car insurance in Fruitvale after a DUI increases to $824 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Fruitvale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1034	$172
One Med/PIP claim	$1038	$176
Not-at-fault accident	$1056	$176
One comp claim	$1061	$180
Two Med/PIP claims	$1061	$177
Two comp claims	$1103	$187
Failure to wear a seat belt	$1154	$193
Failure to show documents	$1163	$198
Child safety restraint	$1177	$196
Driving without lights	$1177	$200
Driving with expired registration	$1223	$204
Texting while driving	$1237	$211
At-fault accident - less than $1000	$1246	$207
Cell phone violation	$1251	$213
Failure to yield	$1251	$208
Following too closely	$1251	$213
Illegal turn	$1251	$208
Failure to stop at a red light	$1256	$214
Driving too slowly	$1260	$210
Improper passing	$1265	$215
Wrong way/wrong lane	$1270	$211
Speeding 6 - 10 MPH over limit	$1275	$217
Speeding 11 - 15 MPH over limit	$1278	$213
Speeding 16 - 20 MPH over limit	$1278	$218
Speeding in school zone	$1283	$214
Passing school bus	$1307	$222
In 65 MPH zone	$1390	$232
Operating a vehicle without permission	$1395	$237
Speeding 21 - 25 MPH over limit	$1413	$236
Open container	$1450	$246
At-fault accident - $1000-$2000	$1524	$254
At-fault accident - greater than $2000	$1557	$264
Driving with a suspended license	$1631	$271
Reckless driving	$1798	$306
Refusal to submit to a chemical test	$1816	$303
Racing	$1835	$312
DUI	$1858	$310
Leaving scene of an accident/hit and run	$1927	$328

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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 Fruitvale 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 Fruitvale.

The cheapest car insurance premiums in Fruitvale are offered by Colorado Farm Bureau at $162 for a six-month policy. However, it can be as expensive as $1733 with companies like AutoOwners.

Fruitvale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$162	$27
American National	$172	$29
American National P&C	$194	$33
Farm Bureau	$255	$42
Colorado Farm Bureau Mutual	$741	$126
Progressive	$881	$148
State Farm	$941	$158
American Family	$1047	$176
USAA	$1108	$186
Farmers	$1594	$268
Allstate	$1877	$316
Nationwide	$4003	$667
Auto-Owners	$1733	$295

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 Fruitvale are offered by American National P&C at $144. However, it can be as expensive as $871 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Fruitvale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$144	$24
Colorado Farm Bureau	$148	$25
Auto-Owners Insurance Co	$236	$39
State Farm	$709	$119
American Family	$750	$126
USAA	$996	$169
Progressive	$1149	$193
Allstate	$1877	$319
Nationwide	$2446	$408
Farmers	$3193	$543
Auto-Owners	$871	$148

Car Insurance Price Trends in Fruitvale, Colorado

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

The average cost of full coverage in the Fruitvale rose by $203 in January compared to $183 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Fruitvale dipped to $37 in January, compared to $45 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fruitvale?

The car insurance in Fruitvale is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Fruitvale?

The cheapest car insurance in Fruitvale is $48 per month for full coverage.

How much is car insurance in Fruitvale for teenagers?

Car insurance for teenagers costs $116 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 Fruitvale?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $160 per month to insure your car in Fruitvale.

Is car insurance expensive in Fruitvale?

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

What is the best car insurance in Fruitvale, CO?

The best car insurance company in Fruitvale CO is Colorado Farm Bureau, offering $287 for a six-month policy.