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Finding the cheapest car insurance quotes in Mc Coy shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mc Coy
The car insurance rate in Mc Coy is $989 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Mc Coy 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.
At $335 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 $368 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 $551
for six months, making it
the third cheapest auto insurance company in Mc Coy.
Mc Coy Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Coy, CO is Colorado Farm Bureau, offering policies at just $335 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $368.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Coy drivers find the best deals.
The auto insurance costs in Mc Coy fall around $335 for six
months.
The cheapest auto insurance company in Mc Coy is Colorado Farm Bureau.
Teen drivers pay the highest rate in Mc Coy at $544 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mc Coy
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 Mc Coy are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Mc Coy. Their Average 6 Month Premium is $130.
AutoOwners is the most
expensive at $362 for the same
period.
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 Mc Coy is Colorado Farm Bureau
at $57 per month and $335
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Coy,
CO
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 Mc Coy, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Coy, 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, Mc Coy's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mc Coy
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
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Cheapest Car Insurance Rates for Teen Drivers in
Mc Coy,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Mc Coy at $23
per
month. At $3200 for a six-month premium,
AutoOwners offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mc Coy.
As young drivers face the highest rates in Mc Coy, N/A
offers the cheapest auto insurance rates at $N/A 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 Mc Coy,
Colorado Farm Bureau is
the cheapest car insurance provider. At $254 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
Mc Coy is AutoOwners, offering
rates of around $2962 for six
months.
Save up to $971/yr on car insurance rates in Mc Coy.
Car Insurance Rates with An Accident in Mc Coy
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 Mc Coy, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Coy
The cheapest car insurance companies after an at-fault accident in
Mc Coy include Colorado Farm Bureau
and American National, offering $162
and $189,
respectively. AutoOwners is an expensive provider
with an average six-month premium of
$1627.
Here is a list of driving violations that can increase your car
insurance rates in Mc Coy CO. For example, the car
insurance in Mc Coy
after a DUI increases to for a six
month policy. While the rate increases by for a six-month policy in the case of
a speeding ticket.
Mc Coy auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
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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 Mc Coy 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 Mc Coy.
The cheapest car insurance premiums in
Mc Coy are
offered by Colorado Farm Bureau at $189 for a six-month policy.
However, it can be as
expensive as $2022 with companies
like AutoOwners.
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 Mc Coy are offered by American National P&C
at $167. However,
it can be as expensive as $1016
with companies like AutoOwners for a similar
six-month premium.
Cheapest Car Insurance in Mc Coy after Speeding ticket
Car insurance rates in Mc Coy have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Coy dipped by
$204 in February
compared to $237 of January. In other words, there has been an decrease by $33 when you
compare February and January.
The average cost of liability insurance in the Mc Coy rose to $49 in February,
compared to $44 in January.
This represents an increase of $5
when comparing February and January.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mc Coy. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mc Coy?
The car insurance in Mc Coy is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Coy?
The cheapest car insurance in Mc Coy
is $57 per month
for full coverage.
How much is car insurance in Mc Coy for teenagers?
Car insurance for teenagers costs $136 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
Mc Coy?
The average cost of car insurance is $1087 for a six-month
policy. It will cost around $167 per month to insure your
car in Mc Coy.
Is car insurance expensive in Mc Coy?
Car insurance can be expensive in Mc Coy if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Coy can be
affordable.
What is the best car insurance in Mc Coy,
CO?
The best car insurance company in Mc Coy
CO is
Colorado Farm Bureau, offering $335 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mc Coy, CO
Car Insurance Rates by State in the USA (2025 Update)
Mc Coy Car Insurance
