Cheapest Car Insurance Quotes in Holly Hills

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Holly Hills Car Insurance

^$ 28

/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 Holly Hills

The car insurance rate in Holly Hills is $1342 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Holly Hills 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 Holly Hills

$1342

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Holly Hills

1st place: Colorado Farm Bureau

At $431 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 $473 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 $709 for six months, making it the third cheapest auto insurance company in Holly Hills.

Holly Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Holly Hills, CO is Colorado Farm Bureau, offering policies at just $431 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $473.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1723 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Holly Hills drivers find the best deals.

Cheap Car Insurance Companies in Holly Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$431	$74
American National P&C	$473	$78
Auto-Owners Insurance Co	$709	$121
Acuity	$771	$129
Colorado Farm Bureau Mutual	$903	$153
American Family	$1133	$191
American National	$1168	$199
Auto-Owners	$1258	$209
USAA	$1293	$218
State Farm	$1355	$228
Progressive	$1432	$241
Allstate	$2002	$337
Farm Bureau	$2002	$340
Nationwide	$2335	$390
Farmers	$2501	$421
California Casualty	$1723	$288

Key Takeaways

Way's key takeaways about car insurance in Holly Hills

The auto insurance costs in Holly Hills fall around $431 for six months.
The cheapest auto insurance company in Holly Hills is Colorado Farm Bureau.
Teen drivers pay the highest rate in Holly Hills at $1582 per month.

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Cheapest Minimum Liability Car Insurance in Holly Hills

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 Holly Hills are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Holly Hills. Their Average 6 Month Premium is $167. California Casualty is the most expensive at $243 for the same period.

Cheapest Liability Coverage in Holly Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$167	$28
American National P&C	$180	$30
American National	$215	$36
Colorado Farm Bureau Mutual	$250	$42
USAA	$285	$48
Auto-Owners Insurance Co	$326	$55
Farm Bureau	$333	$56
Progressive	$347	$59
Acuity	$355	$60
State Farm	$390	$66
American Family	$397	$67
Auto-Owners	$466	$80
Allstate	$764	$129
Nationwide	$771	$131
Farmers	$778	$131
California Casualty	$243	$41

Cheapest Full Coverage Car Insurance in Holly Hills

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 Holly Hills is Colorado Farm Bureau at $74 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Holly Hills, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$431	$74
American National P&C	$473	$78
Auto-Owners Insurance Co	$709	$121
Acuity	$771	$129
Colorado Farm Bureau Mutual	$903	$153
American Family	$1133	$191
American National	$1168	$199
Auto-Owners	$1258	$209
USAA	$1293	$218
State Farm	$1355	$228
Progressive	$1432	$241
Allstate	$2002	$337
Farm Bureau	$2002	$340
Nationwide	$2335	$390
Farmers	$2501	$421
California Casualty	$1723	$288

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Average Car Insurance in Holly Hills 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 Holly Hills, CO increasing?

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

Car Insurance Premiums by Age in Holly Hills

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	$997
30s	USAA	$731
40s	USAA	$631
50s	USAA	$638
60s	USAA	$649
70s	USAA	$761

Cheapest Car Insurance Rates for Teen Drivers in Holly Hills,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Holly Hills at $29 per month. At $9396 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$174	$29
American National P&C	$215	$36
California Casualty	$243	$41
Colorado Farm Bureau	$305	$51
Auto-Owners Insurance Co	$445	$74
Colorado Farm Bureau Mutual	$1591	$270
USAA	$1877	$316
American Family	$2328	$392
State Farm	$3065	$516
Progressive	$3808	$641
Auto-Owners	$4114	$686
Allstate	$4170	$702
Nationwide	$7492	$1248
Farmers	$9396	$1582

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 Holly Hills.

As young drivers face the highest rates in Holly Hills, USAA offers the cheapest auto insurance rates at $997 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 Holly Hills, Colorado Farm Bureau is the cheapest car insurance provider. At $326 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 Holly Hills is State Farm, offering rates of around $4503 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$326	$55
Acuity	$501	$83
American Family	$1487	$250
Progressive	$1536	$259
USAA	$2154	$366
Farmers	$2731	$460
Allstate	$3496	$594
Nationwide	$3551	$592
Auto-Owners	$3808	$647
State Farm	$4503	$751

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Car Insurance Rates with An Accident in Holly Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Holly Hills

The cheapest car insurance companies after an at-fault accident in Holly Hills include Colorado Farm Bureau and American National, offering $208 and $243, respectively. Nationwide is an expensive provider with an average six-month premium of $4073.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$208	$35
American National	$243	$41
American National P&C	$257	$43
Farm Bureau	$326	$55
California Casualty	$473	$78
State Farm	$1064	$179
Colorado Farm Bureau Mutual	$1092	$181
USAA	$1092	$184
American Family	$1369	$230
Progressive	$1912	$322
Auto-Owners	$2092	$349
Allstate	$2891	$487
Farmers	$3440	$579
Nationwide	$4073	$693

Holly Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Holly Hills CO. For example, the car insurance in Holly Hills after a DUI increases to $1237 for a six month policy. While the rate increases by $362 for a six-month policy in the case of a speeding ticket.

Holly Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$259
One Med/PIP claim	$1557	$264
Not-at-fault accident	$1584	$264
One comp claim	$1591	$270
Two Med/PIP claims	$1591	$266
Two comp claims	$1654	$281
Failure to wear a seat belt	$1730	$289
Failure to show documents	$1744	$297
Child safety restraint	$1766	$294
Driving without lights	$1766	$301
Driving with expired registration	$1835	$305
Texting while driving	$1856	$316
At-fault accident - less than $1000	$1870	$311
Cell phone violation	$1877	$319
Failure to yield	$1877	$312
Following too closely	$1877	$319
Illegal turn	$1877	$312
Failure to stop at a red light	$1884	$321
Driving too slowly	$1891	$315
Improper passing	$1898	$323
Wrong way/wrong lane	$1905	$317
Speeding 6 - 10 MPH over limit	$1912	$325
Speeding 11 - 15 MPH over limit	$1918	$319
Speeding 16 - 20 MPH over limit	$1918	$326
Speeding in school zone	$1925	$321
Passing school bus	$1960	$333
In 65 MPH zone	$2085	$347
Operating a vehicle without permission	$2092	$356
Speeding 21 - 25 MPH over limit	$2120	$353
Open container	$2175	$370
At-fault accident - $1000-$2000	$2286	$381
At-fault accident - greater than $2000	$2335	$397
Driving with a suspended license	$2446	$407
Reckless driving	$2697	$459
Refusal to submit to a chemical test	$2724	$454
Racing	$2752	$468
DUI	$2787	$464
Leaving scene of an accident/hit and run	$2891	$491

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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 Holly Hills 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 Holly Hills.

The cheapest car insurance premiums in Holly Hills are offered by Colorado Farm Bureau at $243 for a six-month policy. However, it can be as expensive as $5484 with companies like Nationwide.

Holly Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$243	$41
American National	$257	$43
American National P&C	$291	$49
Farm Bureau	$383	$66
Colorado Farm Bureau Mutual	$1112	$185
Progressive	$1182	$199
State Farm	$1203	$202
American Family	$1473	$248
USAA	$1564	$263
Farmers	$2141	$360
Allstate	$2494	$420
Auto-Owners	$2600	$442
Nationwide	$5484	$914

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 Holly Hills are offered by American National P&C at $215. However, it can be as expensive as $4017 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Holly Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$215	$36
Colorado Farm Bureau	$222	$37
Auto-Owners Insurance Co	$355	$61
State Farm	$792	$133
American Family	$1028	$173
Auto-Owners	$1307	$218
USAA	$1328	$226
Progressive	$1362	$229
Allstate	$2293	$390
Nationwide	$3364	$560
Farmers	$4017	$683

Car Insurance Price Trends in Holly Hills, Colorado

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

The average cost of full coverage in the Holly Hills rose by $275 in December compared to $269 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Holly Hills rose to $68 in December, compared to $61 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Holly Hills?

The car insurance in Holly Hills is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Holly Hills?

The cheapest car insurance in Holly Hills is $74 per month for full coverage.

How much is car insurance in Holly Hills for teenagers?

Car insurance for teenagers costs $174 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 Holly Hills?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $226 per month to insure your car in Holly Hills.

Is car insurance expensive in Holly Hills?

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

What is the best car insurance in Holly Hills, CO?

The best car insurance company in Holly Hills CO is Colorado Farm Bureau, offering $431 for a six-month policy.