Cheapest Car Insurance Quotes in Hartsel

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Hartsel 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 Hartsel

The car insurance rate in Hartsel is $1136 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Hartsel 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 Hartsel

$1136

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Hartsel

1st place: Colorado Farm Bureau

At $364 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 $400 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 $600 for six months, making it the third cheapest auto insurance company in Hartsel.

Hartsel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hartsel, CO is Colorado Farm Bureau, offering policies at just $364 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $400.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1458 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hartsel drivers find the best deals.

Cheap Car Insurance Companies in Hartsel, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$364	$62
American National P&C	$400	$66
Auto-Owners Insurance Co	$600	$102
Acuity	$652	$109
Colorado Farm Bureau Mutual	$764	$130
American Family	$958	$161
American National	$988	$168
Auto-Owners	$1064	$177
USAA	$1094	$184
State Farm	$1146	$193
Progressive	$1212	$204
Allstate	$1694	$285
Farm Bureau	$1694	$288
Nationwide	$1976	$330
Farmers	$2117	$356
California Casualty	$1458	$244

Key Takeaways

Way's key takeaways about car insurance in Hartsel

The auto insurance costs in Hartsel fall around $364 for six months.
The cheapest auto insurance company in Hartsel is Colorado Farm Bureau.
Teen drivers pay the highest rate in Hartsel at $1338 per month.

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Cheapest Minimum Liability Car Insurance in Hartsel

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 Hartsel are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Hartsel. Their Average 6 Month Premium is $142. California Casualty is the most expensive at $206 for the same period.

Cheapest Liability Coverage in Hartsel, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$142	$24
American National P&C	$152	$26
American National	$182	$31
Colorado Farm Bureau Mutual	$212	$36
USAA	$242	$41
Auto-Owners Insurance Co	$276	$47
Farm Bureau	$282	$48
Progressive	$294	$50
Acuity	$300	$50
State Farm	$330	$55
American Family	$336	$56
Auto-Owners	$394	$67
Allstate	$646	$109
Nationwide	$652	$111
Farmers	$658	$111
California Casualty	$206	$35

Cheapest Full Coverage Car Insurance in Hartsel

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 Hartsel is Colorado Farm Bureau at $62 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hartsel, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$364	$62
American National P&C	$400	$66
Auto-Owners Insurance Co	$600	$102
Acuity	$652	$109
Colorado Farm Bureau Mutual	$764	$130
American Family	$958	$161
American National	$988	$168
Auto-Owners	$1064	$177
USAA	$1094	$184
State Farm	$1146	$193
Progressive	$1212	$204
Allstate	$1694	$285
Farm Bureau	$1694	$288
Nationwide	$1976	$330
Farmers	$2117	$356
California Casualty	$1458	$244

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Average Car Insurance in Hartsel 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 Hartsel, CO increasing?

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

Car Insurance Premiums by Age in Hartsel

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	$843
30s	USAA	$619
40s	USAA	$534
50s	USAA	$540
60s	USAA	$549
70s	USAA	$644

Cheapest Car Insurance Rates for Teen Drivers in Hartsel,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Hartsel at $25 per month. At $7951 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$148	$25
American National P&C	$182	$31
California Casualty	$206	$35
Colorado Farm Bureau	$258	$44
Auto-Owners Insurance Co	$376	$62
Colorado Farm Bureau Mutual	$1346	$229
USAA	$1588	$267
American Family	$1970	$332
State Farm	$2594	$437
Progressive	$3222	$543
Auto-Owners	$3481	$580
Allstate	$3528	$594
Nationwide	$6339	$1056
Farmers	$7951	$1338

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 Hartsel.

As young drivers face the highest rates in Hartsel, USAA offers the cheapest auto insurance rates at $843 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 Hartsel, Colorado Farm Bureau is the cheapest car insurance provider. At $276 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 Hartsel is State Farm, offering rates of around $3811 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$276	$47
Acuity	$424	$70
American Family	$1258	$212
Progressive	$1300	$219
USAA	$1823	$310
Farmers	$2311	$389
Allstate	$2958	$503
Nationwide	$3005	$501
Auto-Owners	$3222	$547
State Farm	$3811	$636

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Car Insurance Rates with An Accident in Hartsel

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

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

The cheapest car insurance companies after an at-fault accident in Hartsel include Colorado Farm Bureau and American National, offering $176 and $206, respectively. Nationwide is an expensive provider with an average six-month premium of $3446.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$176	$30
American National	$206	$35
American National P&C	$218	$37
Farm Bureau	$276	$47
California Casualty	$400	$66
State Farm	$900	$151
Colorado Farm Bureau Mutual	$924	$153
USAA	$924	$155
American Family	$1158	$195
Progressive	$1618	$272
Auto-Owners	$1770	$295
Allstate	$2446	$412
Farmers	$2911	$490
Nationwide	$3446	$586

Hartsel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hartsel CO. For example, the car insurance in Hartsel after a DUI increases to $1046 for a six month policy. While the rate increases by $306 for a six-month policy in the case of a speeding ticket.

Hartsel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1312	$219
One Med/PIP claim	$1318	$224
Not-at-fault accident	$1340	$224
One comp claim	$1346	$229
Two Med/PIP claims	$1346	$225
Two comp claims	$1400	$238
Failure to wear a seat belt	$1464	$245
Failure to show documents	$1476	$251
Child safety restraint	$1494	$248
Driving without lights	$1494	$254
Driving with expired registration	$1552	$258
Texting while driving	$1570	$267
At-fault accident - less than $1000	$1582	$263
Cell phone violation	$1588	$270
Failure to yield	$1588	$264
Following too closely	$1588	$270
Illegal turn	$1588	$264
Failure to stop at a red light	$1594	$271
Driving too slowly	$1600	$266
Improper passing	$1606	$273
Wrong way/wrong lane	$1612	$268
Speeding 6 - 10 MPH over limit	$1618	$275
Speeding 11 - 15 MPH over limit	$1623	$270
Speeding 16 - 20 MPH over limit	$1623	$276
Speeding in school zone	$1629	$271
Passing school bus	$1658	$282
In 65 MPH zone	$1764	$294
Operating a vehicle without permission	$1770	$301
Speeding 21 - 25 MPH over limit	$1794	$299
Open container	$1840	$313
At-fault accident - $1000-$2000	$1934	$323
At-fault accident - greater than $2000	$1976	$336
Driving with a suspended license	$2070	$345
Reckless driving	$2282	$388
Refusal to submit to a chemical test	$2305	$384
Racing	$2328	$396
DUI	$2358	$393
Leaving scene of an accident/hit and run	$2446	$416

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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 Hartsel 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 Hartsel.

The cheapest car insurance premiums in Hartsel are offered by Colorado Farm Bureau at $206 for a six-month policy. However, it can be as expensive as $4640 with companies like Nationwide.

Hartsel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$206	$35
American National	$218	$37
American National P&C	$247	$42
Farm Bureau	$324	$55
Colorado Farm Bureau Mutual	$941	$156
Progressive	$1000	$168
State Farm	$1018	$171
American Family	$1246	$210
USAA	$1324	$223
Farmers	$1812	$305
Allstate	$2111	$355
Auto-Owners	$2200	$374
Nationwide	$4640	$773

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 Hartsel are offered by American National P&C at $182. However, it can be as expensive as $3399 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hartsel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$182	$31
Colorado Farm Bureau	$188	$32
Auto-Owners Insurance Co	$300	$51
State Farm	$670	$113
American Family	$870	$147
Auto-Owners	$1106	$184
USAA	$1124	$191
Progressive	$1152	$194
Allstate	$1940	$330
Nationwide	$2846	$474
Farmers	$3399	$578

Car Insurance Price Trends in Hartsel, Colorado

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

The average cost of full coverage in the Hartsel rose by $233 in December compared to $228 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 Hartsel rose to $57 in December, compared to $51 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hartsel?

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

What is the cheapest car insurance in Hartsel?

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

How much is car insurance in Hartsel for teenagers?

Car insurance for teenagers costs $148 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 Hartsel?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $191 per month to insure your car in Hartsel.

Is car insurance expensive in Hartsel?

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

What is the best car insurance in Hartsel, CO?

The best car insurance company in Hartsel CO is Colorado Farm Bureau, offering $364 for a six-month policy.