Cheapest Car Insurance Quotes in Guffey

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Guffey 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 Guffey

The car insurance rate in Guffey is $1216 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Guffey 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 Guffey

$1216

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Guffey

1st place: Colorado Farm Bureau

At $368 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 $404 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 $606 for six months, making it the third cheapest auto insurance company in Guffey.

Guffey Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Guffey, CO is Colorado Farm Bureau, offering policies at just $368 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $404.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1473 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Guffey drivers find the best deals.

Cheap Car Insurance Companies in Guffey, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$368	$61
American National P&C	$404	$69
Auto-Owners Insurance Co	$606	$101
Acuity	$659	$112
Colorado Farm Bureau Mutual	$772	$129
American National	$998	$170
American Family	$1016	$171
USAA	$1140	$192
State Farm	$1378	$232
Progressive	$1402	$236
Allstate	$1913	$322
Nationwide	$2168	$369
Farmers	$2388	$402
Auto-Owners	$1075	$179
Farm Bureau	$1711	$291
California Casualty	$1473	$246

Key Takeaways

Way's key takeaways about car insurance in Guffey

The auto insurance costs in Guffey fall around $368 for six months.
The cheapest auto insurance company in Guffey is Colorado Farm Bureau.
Teen drivers pay the highest rate in Guffey at $598 per month.

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Cheapest Minimum Liability Car Insurance in Guffey

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 Guffey are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Guffey. Their Average 6 Month Premium is $143. California Casualty is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Guffey, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$143	$24
American National P&C	$154	$26
American National	$184	$31
Colorado Farm Bureau Mutual	$214	$36
USAA	$255	$43
Progressive	$267	$45
Auto-Owners Insurance Co	$279	$47
Farm Bureau	$285	$48
Acuity	$303	$51
American Family	$321	$54
State Farm	$327	$55
Farmers	$505	$84
Allstate	$564	$96
Auto-Owners	$398	$66
Nationwide	$659	$110
California Casualty	$208	$35

Cheapest Full Coverage Car Insurance in Guffey

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 Guffey is Colorado Farm Bureau at $61 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Guffey, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$368	$61
American National P&C	$404	$69
Auto-Owners Insurance Co	$606	$101
Acuity	$659	$112
Colorado Farm Bureau Mutual	$772	$129
American National	$998	$170
American Family	$1016	$171
USAA	$1140	$192
State Farm	$1378	$232
Progressive	$1402	$236
Allstate	$1913	$322
Nationwide	$2168	$369
Farmers	$2388	$402
Auto-Owners	$1075	$179
Farm Bureau	$1711	$291
California Casualty	$1473	$246

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Average Car Insurance in Guffey 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 Guffey, CO increasing?

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

Car Insurance Premiums by Age in Guffey

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 Guffey,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Guffey at $25 per month. At $3516 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$149	$25
American National P&C	$184	$31
California Casualty	$208	$35
Colorado Farm Bureau	$261	$44
Auto-Owners Insurance Co	$380	$63
Colorado Farm Bureau Mutual	$1360	$231
USAA	$1705	$287
American Family	$2132	$359
State Farm	$3029	$510
Progressive	$3701	$623
Allstate	$3992	$672
Nationwide	$6920	$1177
Farmers	$8773	$1477
Auto-Owners	$3516	$598

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 Guffey, Colorado Farm Bureau is the cheapest car insurance provider. At $279 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 Guffey is AutoOwners, offering rates of around $3255 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$279	$47
Acuity	$428	$71
American Family	$1390	$234
Progressive	$1841	$310
USAA	$2061	$350
Farmers	$2726	$459
Nationwide	$3291	$560
Allstate	$3653	$609
State Farm	$6356	$1081
Auto-Owners	$3255	$553

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Car Insurance Rates with An Accident in Guffey

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

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

The cheapest car insurance companies after an at-fault accident in Guffey include Colorado Farm Bureau and American National, offering $178 and $208, respectively. AutoOwners is an expensive provider with an average six-month premium of $1788.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$178	$30
American National	$208	$35
American National P&C	$220	$37
Farm Bureau	$279	$47
California Casualty	$404	$67
Colorado Farm Bureau Mutual	$933	$159
USAA	$986	$166
State Farm	$1034	$174
American Family	$1247	$210
Progressive	$1853	$312
Allstate	$2798	$471
Farmers	$3273	$551
Nationwide	$3802	$634
Auto-Owners	$1788	$298

Guffey Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Guffey CO. For example, the car insurance in Guffey after a DUI increases to $1057 for a six month policy. While the rate increases by $309 for a six-month policy in the case of a speeding ticket.

Guffey auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1325	$221
One Med/PIP claim	$1331	$226
Not-at-fault accident	$1354	$226
One comp claim	$1360	$231
Two Med/PIP claims	$1360	$227
Two comp claims	$1414	$240
Failure to wear a seat belt	$1479	$247
Failure to show documents	$1491	$254
Child safety restraint	$1509	$251
Driving without lights	$1509	$257
Driving with expired registration	$1568	$261
Texting while driving	$1586	$270
At-fault accident - less than $1000	$1598	$266
Cell phone violation	$1604	$273
Failure to yield	$1604	$267
Following too closely	$1604	$273
Illegal turn	$1604	$267
Failure to stop at a red light	$1610	$274
Driving too slowly	$1616	$269
Improper passing	$1622	$276
Wrong way/wrong lane	$1628	$271
Speeding 6 - 10 MPH over limit	$1634	$278
Speeding 11 - 15 MPH over limit	$1639	$273
Speeding 16 - 20 MPH over limit	$1639	$279
Speeding in school zone	$1645	$274
Passing school bus	$1675	$285
In 65 MPH zone	$1782	$297
Operating a vehicle without permission	$1788	$304
Speeding 21 - 25 MPH over limit	$1812	$302
Open container	$1859	$316
At-fault accident - $1000-$2000	$1954	$326
At-fault accident - greater than $2000	$1996	$339
Driving with a suspended license	$2091	$348
Reckless driving	$2305	$392
Refusal to submit to a chemical test	$2328	$388
Racing	$2352	$400
DUI	$2382	$397
Leaving scene of an accident/hit and run	$2471	$420

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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 Guffey 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 Guffey.

The cheapest car insurance premiums in Guffey are offered by Colorado Farm Bureau at $208 for a six-month policy. However, it can be as expensive as $2222 with companies like AutoOwners.

Guffey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$208	$35
American National	$220	$37
American National P&C	$249	$42
Farm Bureau	$327	$54
Colorado Farm Bureau Mutual	$950	$162
Progressive	$1129	$190
State Farm	$1206	$203
American Family	$1342	$226
USAA	$1420	$239
Farmers	$2043	$344
Allstate	$2406	$405
Nationwide	$5132	$855
Auto-Owners	$2222	$378

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 Guffey are offered by American National P&C at $184. However, it can be as expensive as $1117 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Guffey after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$184	$31
Colorado Farm Bureau	$190	$32
Auto-Owners Insurance Co	$303	$50
State Farm	$909	$153
American Family	$962	$162
USAA	$1277	$217
Progressive	$1473	$248
Allstate	$2406	$409
Nationwide	$3136	$523
Farmers	$4093	$696
Auto-Owners	$1117	$190

Car Insurance Price Trends in Guffey, Colorado

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

The average cost of full coverage in the Guffey rose by $260 in January compared to $235 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Guffey dipped to $48 in January, compared to $58 in December. This represents an decrease of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Guffey?

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

What is the cheapest car insurance in Guffey?

The cheapest car insurance in Guffey is $61 per month for full coverage.

How much is car insurance in Guffey for teenagers?

Car insurance for teenagers costs $149 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 Guffey?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $205 per month to insure your car in Guffey.

Is car insurance expensive in Guffey?

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

What is the best car insurance in Guffey, CO?

The best car insurance company in Guffey CO is Colorado Farm Bureau, offering $368 for a six-month policy.