Cheapest Car Insurance Quotes in Highlands Ranch

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Highlands Ranch Car Insurance

^$ 25

/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 Highlands Ranch

The car insurance rate in Highlands Ranch is $1204 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Highlands Ranch 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 Highlands Ranch

$1204

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Highlands Ranch

1st place: Colorado Farm Bureau

At $386 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 $424 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 $636 for six months, making it the third cheapest auto insurance company in Highlands Ranch.

Highlands Ranch Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highlands Ranch, CO is Colorado Farm Bureau, offering policies at just $386 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $424.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1547 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highlands Ranch drivers find the best deals.

Cheap Car Insurance Companies in Highlands Ranch, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$386	$66
American National P&C	$424	$70
Auto-Owners Insurance Co	$636	$108
Acuity	$692	$116
Colorado Farm Bureau Mutual	$811	$138
American Family	$1016	$171
American National	$1048	$179
Auto-Owners	$1129	$188
USAA	$1160	$195
State Farm	$1216	$205
Progressive	$1285	$216
Allstate	$1797	$302
Farm Bureau	$1797	$306
Nationwide	$2096	$350
Farmers	$2245	$378
California Casualty	$1547	$258

Key Takeaways

Way's key takeaways about car insurance in Highlands Ranch

The auto insurance costs in Highlands Ranch fall around $386 for six months.
The cheapest auto insurance company in Highlands Ranch is Colorado Farm Bureau.
Teen drivers pay the highest rate in Highlands Ranch at $1420 per month.

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Cheapest Minimum Liability Car Insurance in Highlands Ranch

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 Highlands Ranch are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Highlands Ranch. Their Average 6 Month Premium is $150. California Casualty is the most expensive at $218 for the same period.

Cheapest Liability Coverage in Highlands Ranch, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$150	$25
American National P&C	$162	$27
American National	$193	$33
Colorado Farm Bureau Mutual	$225	$38
USAA	$256	$43
Auto-Owners Insurance Co	$293	$49
Farm Bureau	$299	$50
Progressive	$312	$53
Acuity	$318	$54
State Farm	$350	$59
American Family	$356	$60
Auto-Owners	$418	$71
Allstate	$686	$116
Nationwide	$692	$118
Farmers	$698	$118
California Casualty	$218	$37

Cheapest Full Coverage Car Insurance in Highlands Ranch

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 Highlands Ranch is Colorado Farm Bureau at $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highlands Ranch, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$386	$66
American National P&C	$424	$70
Auto-Owners Insurance Co	$636	$108
Acuity	$692	$116
Colorado Farm Bureau Mutual	$811	$138
American Family	$1016	$171
American National	$1048	$179
Auto-Owners	$1129	$188
USAA	$1160	$195
State Farm	$1216	$205
Progressive	$1285	$216
Allstate	$1797	$302
Farm Bureau	$1797	$306
Nationwide	$2096	$350
Farmers	$2245	$378
California Casualty	$1547	$258

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Average Car Insurance in Highlands Ranch 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 Highlands Ranch, CO increasing?

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

Car Insurance Premiums by Age in Highlands Ranch

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	$895
30s	USAA	$656
40s	USAA	$566
50s	USAA	$572
60s	USAA	$583
70s	USAA	$683

Cheapest Car Insurance Rates for Teen Drivers in Highlands Ranch,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Highlands Ranch at $26 per month. At $8433 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$156	$26
American National P&C	$193	$33
California Casualty	$218	$37
Colorado Farm Bureau	$274	$46
Auto-Owners Insurance Co	$399	$66
Colorado Farm Bureau Mutual	$1428	$243
USAA	$1684	$284
American Family	$2090	$352
State Farm	$2751	$463
Progressive	$3418	$575
Auto-Owners	$3692	$615
Allstate	$3742	$630
Nationwide	$6723	$1120
Farmers	$8433	$1420

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 Highlands Ranch.

As young drivers face the highest rates in Highlands Ranch, USAA offers the cheapest auto insurance rates at $895 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 Highlands Ranch, Colorado Farm Bureau is the cheapest car insurance provider. At $293 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 Highlands Ranch is State Farm, offering rates of around $4041 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$293	$49
Acuity	$449	$75
American Family	$1335	$225
Progressive	$1379	$232
USAA	$1933	$329
Farmers	$2451	$413
Allstate	$3137	$533
Nationwide	$3187	$531
Auto-Owners	$3418	$581
State Farm	$4041	$674

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Car Insurance Rates with An Accident in Highlands Ranch

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

Cheapest Car Insurance Companies after an At-Fault Accident in Highlands Ranch

The cheapest car insurance companies after an at-fault accident in Highlands Ranch include Colorado Farm Bureau and American National, offering $187 and $218, respectively. Nationwide is an expensive provider with an average six-month premium of $3655.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$187	$32
American National	$218	$37
American National P&C	$231	$39
Farm Bureau	$293	$49
California Casualty	$424	$70
State Farm	$954	$161
Colorado Farm Bureau Mutual	$980	$163
USAA	$980	$165
American Family	$1229	$207
Progressive	$1716	$289
Auto-Owners	$1877	$313
Allstate	$2595	$437
Farmers	$3087	$520
Nationwide	$3655	$622

Highlands Ranch Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highlands Ranch CO. For example, the car insurance in Highlands Ranch after a DUI increases to $1110 for a six month policy. While the rate increases by $325 for a six-month policy in the case of a speeding ticket.

Highlands Ranch auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1391	$232
One Med/PIP claim	$1398	$237
Not-at-fault accident	$1422	$237
One comp claim	$1428	$243
Two Med/PIP claims	$1428	$238
Two comp claims	$1485	$252
Failure to wear a seat belt	$1553	$259
Failure to show documents	$1566	$267
Child safety restraint	$1584	$264
Driving without lights	$1584	$270
Driving with expired registration	$1646	$274
Texting while driving	$1665	$284
At-fault accident - less than $1000	$1678	$279
Cell phone violation	$1684	$287
Failure to yield	$1684	$280
Following too closely	$1684	$287
Illegal turn	$1684	$280
Failure to stop at a red light	$1691	$288
Driving too slowly	$1697	$282
Improper passing	$1703	$290
Wrong way/wrong lane	$1709	$285
Speeding 6 - 10 MPH over limit	$1716	$292
Speeding 11 - 15 MPH over limit	$1721	$287
Speeding 16 - 20 MPH over limit	$1721	$293
Speeding in school zone	$1727	$288
Passing school bus	$1759	$299
In 65 MPH zone	$1871	$312
Operating a vehicle without permission	$1877	$319
Speeding 21 - 25 MPH over limit	$1903	$317
Open container	$1952	$332
At-fault accident - $1000-$2000	$2052	$342
At-fault accident - greater than $2000	$2096	$356
Driving with a suspended license	$2196	$365
Reckless driving	$2420	$412
Refusal to submit to a chemical test	$2444	$407
Racing	$2470	$420
DUI	$2501	$417
Leaving scene of an accident/hit and run	$2595	$441

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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 Highlands Ranch 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 Highlands Ranch.

The cheapest car insurance premiums in Highlands Ranch are offered by Colorado Farm Bureau at $218 for a six-month policy. However, it can be as expensive as $4921 with companies like Nationwide.

Highlands Ranch car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$218	$37
American National	$231	$39
American National P&C	$261	$44
Farm Bureau	$343	$59
Colorado Farm Bureau Mutual	$998	$166
Progressive	$1061	$179
State Farm	$1079	$182
American Family	$1322	$223
USAA	$1404	$236
Farmers	$1922	$323
Allstate	$2239	$377
Auto-Owners	$2333	$397
Nationwide	$4921	$820

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 Highlands Ranch are offered by American National P&C at $193. However, it can be as expensive as $3605 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Highlands Ranch after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$193	$33
Colorado Farm Bureau	$200	$34
Auto-Owners Insurance Co	$318	$55
State Farm	$711	$120
American Family	$923	$155
Auto-Owners	$1173	$195
USAA	$1192	$203
Progressive	$1222	$206
Allstate	$2058	$350
Nationwide	$3019	$503
Farmers	$3605	$613

Car Insurance Price Trends in Highlands Ranch, Colorado

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

The average cost of full coverage in the Highlands Ranch rose by $247 in December compared to $242 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 Highlands Ranch rose to $61 in December, compared to $55 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 Highlands Ranch?

The car insurance in Highlands Ranch is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Highlands Ranch?

The cheapest car insurance in Highlands Ranch is $66 per month for full coverage.

How much is car insurance in Highlands Ranch for teenagers?

Car insurance for teenagers costs $156 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 Highlands Ranch?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $203 per month to insure your car in Highlands Ranch.

Is car insurance expensive in Highlands Ranch?

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

What is the best car insurance in Highlands Ranch, CO?

The best car insurance company in Highlands Ranch CO is Colorado Farm Bureau, offering $386 for a six-month policy.