Cheapest Car Insurance Quotes in Montrose

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Montrose Car Insurance

^$ 20

/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 Montrose

The car insurance rate in Montrose is $941 for a six-month policy, which is $206 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $302, making it a popular choice for budget-conscious drivers. Rates in Montrose 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 Montrose

$941

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Montrose

1st place: Colorado Farm Bureau

At $302 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 $331 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 $497 for six months, making it the third cheapest auto insurance company in Montrose.

Montrose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montrose, CO is Colorado Farm Bureau, offering policies at just $302 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $331.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montrose drivers find the best deals.

Cheap Car Insurance Companies in Montrose, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$302	$52
American National P&C	$331	$55
Auto-Owners Insurance Co	$497	$84
Acuity	$540	$90
Colorado Farm Bureau Mutual	$633	$107
American Family	$794	$134
American National	$818	$139
Auto-Owners	$882	$147
USAA	$906	$153
State Farm	$950	$160
Progressive	$1004	$169
Allstate	$1403	$236
Farm Bureau	$1403	$239
Nationwide	$1637	$273
Farmers	$1753	$295
California Casualty	$1208	$202

Key Takeaways

Way's key takeaways about car insurance in Montrose

The auto insurance costs in Montrose fall around $302 for six months.
The cheapest auto insurance company in Montrose is Colorado Farm Bureau.
Teen drivers pay the highest rate in Montrose at $1109 per month.

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Cheapest Minimum Liability Car Insurance in Montrose

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 Montrose are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Montrose. Their Average 6 Month Premium is $117. California Casualty is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Montrose, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$117	$20
American National P&C	$126	$21
American National	$151	$25
Colorado Farm Bureau Mutual	$175	$30
USAA	$200	$34
Auto-Owners Insurance Co	$229	$39
Farm Bureau	$234	$39
Progressive	$244	$41
Acuity	$248	$42
State Farm	$273	$46
American Family	$278	$47
Auto-Owners	$326	$56
Allstate	$535	$90
Nationwide	$540	$92
Farmers	$545	$92
California Casualty	$171	$29

Cheapest Full Coverage Car Insurance in Montrose

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 Montrose is Colorado Farm Bureau at $52 per month and $302 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montrose, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$302	$52
American National P&C	$331	$55
Auto-Owners Insurance Co	$497	$84
Acuity	$540	$90
Colorado Farm Bureau Mutual	$633	$107
American Family	$794	$134
American National	$818	$139
Auto-Owners	$882	$147
USAA	$906	$153
State Farm	$950	$160
Progressive	$1004	$169
Allstate	$1403	$236
Farm Bureau	$1403	$239
Nationwide	$1637	$273
Farmers	$1753	$295
California Casualty	$1208	$202

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Average Car Insurance in Montrose 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 Montrose, CO increasing?

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

Car Insurance Premiums by Age in Montrose

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	$699
30s	USAA	$513
40s	USAA	$442
50s	USAA	$447
60s	USAA	$455
70s	USAA	$533

Cheapest Car Insurance Rates for Teen Drivers in Montrose,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Montrose at $21 per month. At $6585 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$122	$21
American National P&C	$151	$25
California Casualty	$171	$29
Colorado Farm Bureau	$214	$36
Auto-Owners Insurance Co	$312	$52
Colorado Farm Bureau Mutual	$1115	$189
USAA	$1315	$221
American Family	$1632	$275
State Farm	$2148	$362
Progressive	$2669	$449
Auto-Owners	$2883	$481
Allstate	$2922	$492
Nationwide	$5250	$875
Farmers	$6585	$1109

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 Montrose.

As young drivers face the highest rates in Montrose, USAA offers the cheapest auto insurance rates at $699 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 Montrose, Colorado Farm Bureau is the cheapest car insurance provider. At $229 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 Montrose is State Farm, offering rates of around $3156 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$229	$39
Acuity	$351	$58
American Family	$1042	$175
Progressive	$1077	$181
USAA	$1510	$257
Farmers	$1914	$322
Allstate	$2450	$417
Nationwide	$2489	$415
Auto-Owners	$2669	$453
State Farm	$3156	$526

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Car Insurance Rates with An Accident in Montrose

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

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

The cheapest car insurance companies after an at-fault accident in Montrose include Colorado Farm Bureau and American National, offering $146 and $171, respectively. Nationwide is an expensive provider with an average six-month premium of $2854.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$146	$25
American National	$171	$29
American National P&C	$180	$30
Farm Bureau	$229	$39
California Casualty	$331	$55
State Farm	$745	$125
Colorado Farm Bureau Mutual	$765	$127
USAA	$765	$129
American Family	$959	$162
Progressive	$1340	$226
Auto-Owners	$1466	$244
Allstate	$2026	$341
Farmers	$2411	$406
Nationwide	$2854	$485

Montrose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montrose CO. For example, the car insurance in Montrose after a DUI increases to $866 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Montrose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$181
One Med/PIP claim	$1091	$185
Not-at-fault accident	$1110	$185
One comp claim	$1115	$189
Two Med/PIP claims	$1115	$186
Two comp claims	$1159	$197
Failure to wear a seat belt	$1213	$203
Failure to show documents	$1223	$208
Child safety restraint	$1237	$206
Driving without lights	$1237	$211
Driving with expired registration	$1286	$214
Texting while driving	$1301	$221
At-fault accident - less than $1000	$1310	$218
Cell phone violation	$1315	$224
Failure to yield	$1315	$219
Following too closely	$1315	$224
Illegal turn	$1315	$219
Failure to stop at a red light	$1320	$225
Driving too slowly	$1325	$221
Improper passing	$1330	$226
Wrong way/wrong lane	$1335	$222
Speeding 6 - 10 MPH over limit	$1340	$228
Speeding 11 - 15 MPH over limit	$1344	$224
Speeding 16 - 20 MPH over limit	$1344	$229
Speeding in school zone	$1349	$225
Passing school bus	$1374	$234
In 65 MPH zone	$1461	$244
Operating a vehicle without permission	$1466	$249
Speeding 21 - 25 MPH over limit	$1486	$248
Open container	$1524	$259
At-fault accident - $1000-$2000	$1602	$267
At-fault accident - greater than $2000	$1637	$278
Driving with a suspended license	$1715	$285
Reckless driving	$1890	$321
Refusal to submit to a chemical test	$1909	$318
Racing	$1929	$328
DUI	$1953	$326
Leaving scene of an accident/hit and run	$2026	$344

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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 Montrose 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 Montrose.

The cheapest car insurance premiums in Montrose are offered by Colorado Farm Bureau at $171 for a six-month policy. However, it can be as expensive as $3843 with companies like Nationwide.

Montrose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$171	$29
American National	$180	$30
American National P&C	$204	$34
Farm Bureau	$268	$46
Colorado Farm Bureau Mutual	$779	$130
Progressive	$828	$139
State Farm	$843	$142
American Family	$1032	$174
USAA	$1096	$185
Farmers	$1501	$253
Allstate	$1748	$294
Auto-Owners	$1822	$310
Nationwide	$3843	$640

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 Montrose are offered by American National P&C at $151. However, it can be as expensive as $2815 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Montrose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$151	$25
Colorado Farm Bureau	$156	$26
Auto-Owners Insurance Co	$248	$43
State Farm	$555	$93
American Family	$721	$121
Auto-Owners	$916	$153
USAA	$931	$158
Progressive	$954	$161
Allstate	$1607	$273
Nationwide	$2358	$393
Farmers	$2815	$479

Car Insurance Price Trends in Montrose, Colorado

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

The average cost of full coverage in the Montrose rose by $193 in December compared to $189 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Montrose rose to $48 in December, compared to $43 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Montrose?

The car insurance in Montrose is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Montrose?

The cheapest car insurance in Montrose is $52 per month for full coverage.

How much is car insurance in Montrose for teenagers?

Car insurance for teenagers costs $122 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 Montrose?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $158 per month to insure your car in Montrose.

Is car insurance expensive in Montrose?

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

What is the best car insurance in Montrose, CO?

The best car insurance company in Montrose CO is Colorado Farm Bureau, offering $302 for a six-month policy.