Cheapest Car Insurance Quotes in Kit Carson

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Kit Carson Car Insurance

^$ 26

/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 Kit Carson

The car insurance rate in Kit Carson is $1338 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in Kit Carson 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 Kit Carson

$1338

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Kit Carson

1st place: Colorado Farm Bureau

At $405 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 $444 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 $667 for six months, making it the third cheapest auto insurance company in Kit Carson.

Kit Carson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kit Carson, CO is Colorado Farm Bureau, offering policies at just $405 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $444.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1620 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kit Carson drivers find the best deals.

Cheap Car Insurance Companies in Kit Carson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$405	$67
American National P&C	$444	$76
Auto-Owners Insurance Co	$667	$111
Acuity	$725	$123
Colorado Farm Bureau Mutual	$849	$142
American National	$1098	$187
American Family	$1118	$188
USAA	$1254	$211
State Farm	$1516	$255
Progressive	$1542	$260
Allstate	$2104	$354
Nationwide	$2385	$406
Farmers	$2627	$442
Auto-Owners	$1183	$197
Farm Bureau	$1882	$320
California Casualty	$1620	$271

Key Takeaways

Way's key takeaways about car insurance in Kit Carson

The auto insurance costs in Kit Carson fall around $405 for six months.
The cheapest auto insurance company in Kit Carson is Colorado Farm Bureau.
Teen drivers pay the highest rate in Kit Carson at $658 per month.

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Cheapest Minimum Liability Car Insurance in Kit Carson

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 Kit Carson are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Kit Carson. Their Average 6 Month Premium is $157. California Casualty is the most expensive at $229 for the same period.

Cheapest Liability Coverage in Kit Carson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$157	$26
American National P&C	$169	$29
American National	$202	$34
Colorado Farm Bureau Mutual	$235	$40
USAA	$281	$47
Progressive	$294	$50
Auto-Owners Insurance Co	$307	$52
Farm Bureau	$314	$53
Acuity	$333	$56
American Family	$353	$59
State Farm	$360	$61
Farmers	$556	$92
Allstate	$620	$106
Auto-Owners	$438	$73
Nationwide	$725	$121
California Casualty	$229	$39

Cheapest Full Coverage Car Insurance in Kit Carson

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 Kit Carson is Colorado Farm Bureau at $67 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kit Carson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$405	$67
American National P&C	$444	$76
Auto-Owners Insurance Co	$667	$111
Acuity	$725	$123
Colorado Farm Bureau Mutual	$849	$142
American National	$1098	$187
American Family	$1118	$188
USAA	$1254	$211
State Farm	$1516	$255
Progressive	$1542	$260
Allstate	$2104	$354
Nationwide	$2385	$406
Farmers	$2627	$442
Auto-Owners	$1183	$197
Farm Bureau	$1882	$320
California Casualty	$1620	$271

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Average Car Insurance in Kit Carson 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 Kit Carson, CO increasing?

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

Car Insurance Premiums by Age in Kit Carson

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 Kit Carson,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Kit Carson at $28 per month. At $3868 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$164	$28
American National P&C	$202	$34
California Casualty	$229	$39
Colorado Farm Bureau	$287	$48
Auto-Owners Insurance Co	$418	$69
Colorado Farm Bureau Mutual	$1496	$254
USAA	$1876	$316
American Family	$2345	$395
State Farm	$3332	$561
Progressive	$4071	$685
Allstate	$4391	$739
Nationwide	$7612	$1295
Farmers	$9650	$1625
Auto-Owners	$3868	$658

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 Kit Carson, Colorado Farm Bureau is the cheapest car insurance provider. At $307 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 Kit Carson is AutoOwners, offering rates of around $3581 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$307	$52
Acuity	$471	$78
American Family	$1529	$257
Progressive	$2025	$341
USAA	$2267	$385
Farmers	$2999	$505
Nationwide	$3620	$616
Allstate	$4018	$670
State Farm	$6992	$1189
Auto-Owners	$3581	$608

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Car Insurance Rates with An Accident in Kit Carson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kit Carson

The cheapest car insurance companies after an at-fault accident in Kit Carson include Colorado Farm Bureau and American National, offering $196 and $229, respectively. AutoOwners is an expensive provider with an average six-month premium of $1967.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$196	$33
American National	$229	$39
American National P&C	$242	$41
Farm Bureau	$307	$52
California Casualty	$444	$74
Colorado Farm Bureau Mutual	$1026	$175
USAA	$1085	$183
State Farm	$1137	$191
American Family	$1372	$231
Progressive	$2038	$343
Allstate	$3078	$518
Farmers	$3600	$606
Nationwide	$4182	$697
Auto-Owners	$1967	$328

Kit Carson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kit Carson CO. For example, the car insurance in Kit Carson after a DUI increases to $1162 for a six month policy. While the rate increases by $339 for a six-month policy in the case of a speeding ticket.

Kit Carson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1458	$243
One Med/PIP claim	$1464	$249
Not-at-fault accident	$1489	$249
One comp claim	$1496	$254
Two Med/PIP claims	$1496	$250
Two comp claims	$1555	$264
Failure to wear a seat belt	$1627	$272
Failure to show documents	$1640	$279
Child safety restraint	$1660	$276
Driving without lights	$1660	$283
Driving with expired registration	$1725	$287
Texting while driving	$1745	$297
At-fault accident - less than $1000	$1758	$293
Cell phone violation	$1764	$300
Failure to yield	$1764	$294
Following too closely	$1764	$300
Illegal turn	$1764	$294
Failure to stop at a red light	$1771	$301
Driving too slowly	$1778	$296
Improper passing	$1784	$304
Wrong way/wrong lane	$1791	$298
Speeding 6 - 10 MPH over limit	$1797	$306
Speeding 11 - 15 MPH over limit	$1803	$300
Speeding 16 - 20 MPH over limit	$1803	$307
Speeding in school zone	$1810	$301
Passing school bus	$1843	$314
In 65 MPH zone	$1960	$327
Operating a vehicle without permission	$1967	$334
Speeding 21 - 25 MPH over limit	$1993	$332
Open container	$2045	$348
At-fault accident - $1000-$2000	$2149	$359
At-fault accident - greater than $2000	$2196	$373
Driving with a suspended license	$2300	$383
Reckless driving	$2536	$431
Refusal to submit to a chemical test	$2561	$427
Racing	$2587	$440
DUI	$2620	$437
Leaving scene of an accident/hit and run	$2718	$462

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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 Kit Carson 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 Kit Carson.

The cheapest car insurance premiums in Kit Carson are offered by Colorado Farm Bureau at $229 for a six-month policy. However, it can be as expensive as $2444 with companies like AutoOwners.

Kit Carson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$229	$39
American National	$242	$41
American National P&C	$274	$46
Farm Bureau	$360	$59
Colorado Farm Bureau Mutual	$1045	$178
Progressive	$1242	$209
State Farm	$1327	$223
American Family	$1476	$249
USAA	$1562	$263
Farmers	$2247	$378
Allstate	$2647	$446
Nationwide	$5645	$941
Auto-Owners	$2444	$416

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 Kit Carson are offered by American National P&C at $202. However, it can be as expensive as $1229 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Kit Carson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$202	$34
Colorado Farm Bureau	$209	$35
Auto-Owners Insurance Co	$333	$55
State Farm	$1000	$168
American Family	$1058	$178
USAA	$1405	$239
Progressive	$1620	$273
Allstate	$2647	$450
Nationwide	$3450	$575
Farmers	$4502	$766
Auto-Owners	$1229	$209

Car Insurance Price Trends in Kit Carson, Colorado

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

The average cost of full coverage in the Kit Carson rose by $286 in January compared to $259 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Kit Carson dipped to $53 in January, compared to $64 in December. This represents an decrease of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kit Carson?

The car insurance in Kit Carson is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Kit Carson?

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

How much is car insurance in Kit Carson for teenagers?

Car insurance for teenagers costs $164 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 Kit Carson?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $226 per month to insure your car in Kit Carson.

Is car insurance expensive in Kit Carson?

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

What is the best car insurance in Kit Carson, CO?

The best car insurance company in Kit Carson CO is Colorado Farm Bureau, offering $405 for a six-month policy.