Cheapest Car Insurance Quotes in Inverness

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Inverness 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 Inverness

The car insurance rate in Inverness is $1216 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Inverness 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 Inverness

$1216

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Inverness

1st place: Colorado Farm Bureau

At $390 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 $428 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 $642 for six months, making it the third cheapest auto insurance company in Inverness.

Inverness Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Inverness, CO is Colorado Farm Bureau, offering policies at just $390 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $428.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1561 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Inverness drivers find the best deals.

Cheap Car Insurance Companies in Inverness, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$390	$67
American National P&C	$428	$71
Auto-Owners Insurance Co	$642	$109
Acuity	$699	$117
Colorado Farm Bureau Mutual	$818	$139
American Family	$1026	$173
American National	$1058	$180
Auto-Owners	$1140	$190
USAA	$1171	$197
State Farm	$1227	$207
Progressive	$1297	$218
Allstate	$1814	$305
Farm Bureau	$1814	$308
Nationwide	$2116	$353
Farmers	$2266	$382
California Casualty	$1561	$261

Key Takeaways

Way's key takeaways about car insurance in Inverness

The auto insurance costs in Inverness fall around $390 for six months.
The cheapest auto insurance company in Inverness is Colorado Farm Bureau.
Teen drivers pay the highest rate in Inverness at $1433 per month.

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Cheapest Minimum Liability Car Insurance in Inverness

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 Inverness are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Inverness. Their Average 6 Month Premium is $152. California Casualty is the most expensive at $220 for the same period.

Cheapest Liability Coverage in Inverness, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$152	$25
American National P&C	$163	$28
American National	$195	$33
Colorado Farm Bureau Mutual	$227	$38
USAA	$259	$43
Auto-Owners Insurance Co	$296	$50
Farm Bureau	$302	$51
Progressive	$315	$53
Acuity	$321	$54
State Farm	$353	$59
American Family	$359	$60
Auto-Owners	$422	$72
Allstate	$692	$117
Nationwide	$699	$119
Farmers	$705	$119
California Casualty	$220	$37

Cheapest Full Coverage Car Insurance in Inverness

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 Inverness is Colorado Farm Bureau at $67 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Inverness, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$390	$67
American National P&C	$428	$71
Auto-Owners Insurance Co	$642	$109
Acuity	$699	$117
Colorado Farm Bureau Mutual	$818	$139
American Family	$1026	$173
American National	$1058	$180
Auto-Owners	$1140	$190
USAA	$1171	$197
State Farm	$1227	$207
Progressive	$1297	$218
Allstate	$1814	$305
Farm Bureau	$1814	$308
Nationwide	$2116	$353
Farmers	$2266	$382
California Casualty	$1561	$261

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Average Car Insurance in Inverness 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 Inverness, CO increasing?

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

Car Insurance Premiums by Age in Inverness

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	$903
30s	USAA	$663
40s	USAA	$571
50s	USAA	$578
60s	USAA	$588
70s	USAA	$689

Cheapest Car Insurance Rates for Teen Drivers in Inverness,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Inverness at $27 per month. At $8513 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$158	$27
American National P&C	$195	$33
California Casualty	$220	$37
Colorado Farm Bureau	$277	$47
Auto-Owners Insurance Co	$403	$67
Colorado Farm Bureau Mutual	$1442	$245
USAA	$1700	$286
American Family	$2109	$355
State Farm	$2777	$467
Progressive	$3450	$581
Auto-Owners	$3727	$621
Allstate	$3778	$636
Nationwide	$6787	$1131
Farmers	$8513	$1433

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 Inverness.

As young drivers face the highest rates in Inverness, USAA offers the cheapest auto insurance rates at $903 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 Inverness, Colorado Farm Bureau is the cheapest car insurance provider. At $296 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 Inverness is State Farm, offering rates of around $4080 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$296	$50
Acuity	$454	$75
American Family	$1347	$227
Progressive	$1392	$234
USAA	$1951	$332
Farmers	$2474	$417
Allstate	$3167	$538
Nationwide	$3217	$536
Auto-Owners	$3450	$586
State Farm	$4080	$681

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Car Insurance Rates with An Accident in Inverness

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

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

The cheapest car insurance companies after an at-fault accident in Inverness include Colorado Farm Bureau and American National, offering $189 and $220, respectively. Nationwide is an expensive provider with an average six-month premium of $3690.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$189	$32
American National	$220	$37
American National P&C	$233	$39
Farm Bureau	$296	$50
California Casualty	$428	$71
State Farm	$964	$162
Colorado Farm Bureau Mutual	$989	$164
USAA	$989	$166
American Family	$1240	$209
Progressive	$1732	$292
Auto-Owners	$1895	$316
Allstate	$2619	$441
Farmers	$3116	$525
Nationwide	$3690	$628

Inverness Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Inverness CO. For example, the car insurance in Inverness after a DUI increases to $1120 for a six month policy. While the rate increases by $327 for a six-month policy in the case of a speeding ticket.

Inverness auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1405	$234
One Med/PIP claim	$1411	$240
Not-at-fault accident	$1435	$240
One comp claim	$1442	$245
Two Med/PIP claims	$1442	$241
Two comp claims	$1499	$254
Failure to wear a seat belt	$1568	$262
Failure to show documents	$1580	$269
Child safety restraint	$1600	$266
Driving without lights	$1600	$272
Driving with expired registration	$1662	$277
Texting while driving	$1681	$286
At-fault accident - less than $1000	$1694	$282
Cell phone violation	$1700	$289
Failure to yield	$1700	$283
Following too closely	$1700	$289
Illegal turn	$1700	$283
Failure to stop at a red light	$1707	$290
Driving too slowly	$1713	$285
Improper passing	$1719	$293
Wrong way/wrong lane	$1726	$287
Speeding 6 - 10 MPH over limit	$1732	$295
Speeding 11 - 15 MPH over limit	$1737	$289
Speeding 16 - 20 MPH over limit	$1737	$296
Speeding in school zone	$1744	$290
Passing school bus	$1776	$302
In 65 MPH zone	$1889	$315
Operating a vehicle without permission	$1895	$322
Speeding 21 - 25 MPH over limit	$1921	$320
Open container	$1971	$335
At-fault accident - $1000-$2000	$2071	$346
At-fault accident - greater than $2000	$2116	$359
Driving with a suspended license	$2216	$369
Reckless driving	$2443	$416
Refusal to submit to a chemical test	$2468	$411
Racing	$2493	$424
DUI	$2525	$421
Leaving scene of an accident/hit and run	$2619	$445

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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 Inverness 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 Inverness.

The cheapest car insurance premiums in Inverness are offered by Colorado Farm Bureau at $220 for a six-month policy. However, it can be as expensive as $4968 with companies like Nationwide.

Inverness car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$220	$37
American National	$233	$39
American National P&C	$264	$45
Farm Bureau	$347	$59
Colorado Farm Bureau Mutual	$1007	$167
Progressive	$1071	$180
State Farm	$1090	$183
American Family	$1335	$225
USAA	$1417	$239
Farmers	$1940	$326
Allstate	$2260	$381
Auto-Owners	$2355	$401
Nationwide	$4968	$828

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 Inverness are offered by American National P&C at $195. However, it can be as expensive as $3639 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Inverness after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$195	$33
Colorado Farm Bureau	$201	$34
Auto-Owners Insurance Co	$321	$55
State Farm	$718	$121
American Family	$932	$157
Auto-Owners	$1184	$197
USAA	$1203	$205
Progressive	$1234	$208
Allstate	$2078	$353
Nationwide	$3048	$508
Farmers	$3639	$619

Car Insurance Price Trends in Inverness, Colorado

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

The average cost of full coverage in the Inverness rose by $249 in December compared to $244 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 Inverness 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 Inverness?

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

What is the cheapest car insurance in Inverness?

The cheapest car insurance in Inverness is $67 per month for full coverage.

How much is car insurance in Inverness for teenagers?

Car insurance for teenagers costs $158 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 Inverness?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $205 per month to insure your car in Inverness.

Is car insurance expensive in Inverness?

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

What is the best car insurance in Inverness, CO?

The best car insurance company in Inverness CO is Colorado Farm Bureau, offering $390 for a six-month policy.