Cheapest Car Insurance Quotes in Mountain Village

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Mountain Village Car Insurance

^$ 23

/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 Mountain Village

The car insurance rate in Mountain Village is $1180 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Mountain Village 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 Mountain Village

$1180

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Mountain Village

1st place: Colorado Farm Bureau

At $357 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 $392 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 $588 for six months, making it the third cheapest auto insurance company in Mountain Village.

Mountain Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountain Village, CO is Colorado Farm Bureau, offering policies at just $357 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $392.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1429 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Village drivers find the best deals.

Cheap Car Insurance Companies in Mountain Village, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$357	$59
American National P&C	$392	$67
Auto-Owners Insurance Co	$588	$98
Acuity	$639	$109
Colorado Farm Bureau Mutual	$749	$125
American National	$968	$165
American Family	$986	$166
USAA	$1106	$186
State Farm	$1337	$225
Progressive	$1360	$229
Allstate	$1856	$312
Nationwide	$2103	$358
Farmers	$2316	$390
Auto-Owners	$1043	$174
Farm Bureau	$1660	$282
California Casualty	$1429	$239

Key Takeaways

Way's key takeaways about car insurance in Mountain Village

The auto insurance costs in Mountain Village fall around $357 for six months.
The cheapest auto insurance company in Mountain Village is Colorado Farm Bureau.
Teen drivers pay the highest rate in Mountain Village at $580 per month.

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Cheapest Minimum Liability Car Insurance in Mountain Village

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 Mountain Village are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Mountain Village. Their Average 6 Month Premium is $139. California Casualty is the most expensive at $202 for the same period.

Cheapest Liability Coverage in Mountain Village, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$139	$23
American National P&C	$149	$25
American National	$178	$30
Colorado Farm Bureau Mutual	$208	$35
USAA	$247	$42
Progressive	$259	$44
Auto-Owners Insurance Co	$271	$46
Farm Bureau	$276	$47
Acuity	$294	$49
American Family	$311	$52
State Farm	$317	$53
Farmers	$490	$81
Allstate	$547	$93
Auto-Owners	$386	$64
Nationwide	$639	$107
California Casualty	$202	$34

Cheapest Full Coverage Car Insurance in Mountain Village

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 Mountain Village is Colorado Farm Bureau at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountain Village, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$357	$59
American National P&C	$392	$67
Auto-Owners Insurance Co	$588	$98
Acuity	$639	$109
Colorado Farm Bureau Mutual	$749	$125
American National	$968	$165
American Family	$986	$166
USAA	$1106	$186
State Farm	$1337	$225
Progressive	$1360	$229
Allstate	$1856	$312
Nationwide	$2103	$358
Farmers	$2316	$390
Auto-Owners	$1043	$174
Farm Bureau	$1660	$282
California Casualty	$1429	$239

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Average Car Insurance in Mountain Village 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 Mountain Village, CO increasing?

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

Car Insurance Premiums by Age in Mountain Village

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 Mountain Village,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Mountain Village at $24 per month. At $3411 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$145	$24
American National P&C	$178	$30
California Casualty	$202	$34
Colorado Farm Bureau	$253	$43
Auto-Owners Insurance Co	$369	$61
Colorado Farm Bureau Mutual	$1319	$224
USAA	$1654	$278
American Family	$2068	$348
State Farm	$2938	$495
Progressive	$3590	$604
Allstate	$3872	$652
Nationwide	$6712	$1142
Farmers	$8510	$1433
Auto-Owners	$3411	$580

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 Mountain Village, Colorado Farm Bureau is the cheapest car insurance provider. At $271 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 Mountain Village is AutoOwners, offering rates of around $3157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$271	$46
Acuity	$415	$69
American Family	$1348	$227
Progressive	$1786	$301
USAA	$1999	$340
Farmers	$2644	$445
Nationwide	$3192	$543
Allstate	$3543	$591
State Farm	$6165	$1049
Auto-Owners	$3157	$536

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Car Insurance Rates with An Accident in Mountain Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mountain Village

The cheapest car insurance companies after an at-fault accident in Mountain Village include Colorado Farm Bureau and American National, offering $173 and $202, respectively. AutoOwners is an expensive provider with an average six-month premium of $1734.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$173	$29
American National	$202	$34
American National P&C	$213	$36
Farm Bureau	$271	$46
California Casualty	$392	$65
Colorado Farm Bureau Mutual	$905	$154
USAA	$956	$161
State Farm	$1003	$169
American Family	$1210	$204
Progressive	$1797	$303
Allstate	$2714	$457
Farmers	$3175	$534
Nationwide	$3688	$615
Auto-Owners	$1734	$289

Mountain Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountain Village CO. For example, the car insurance in Mountain Village after a DUI increases to $1026 for a six month policy. While the rate increases by $300 for a six-month policy in the case of a speeding ticket.

Mountain Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1285	$214
One Med/PIP claim	$1291	$219
Not-at-fault accident	$1313	$219
One comp claim	$1319	$224
Two Med/PIP claims	$1319	$220
Two comp claims	$1372	$233
Failure to wear a seat belt	$1435	$240
Failure to show documents	$1446	$246
Child safety restraint	$1464	$243
Driving without lights	$1464	$249
Driving with expired registration	$1521	$253
Texting while driving	$1538	$262
At-fault accident - less than $1000	$1550	$258
Cell phone violation	$1556	$265
Failure to yield	$1556	$259
Following too closely	$1556	$265
Illegal turn	$1556	$259
Failure to stop at a red light	$1562	$266
Driving too slowly	$1568	$261
Improper passing	$1573	$268
Wrong way/wrong lane	$1579	$263
Speeding 6 - 10 MPH over limit	$1585	$270
Speeding 11 - 15 MPH over limit	$1590	$265
Speeding 16 - 20 MPH over limit	$1590	$271
Speeding in school zone	$1596	$266
Passing school bus	$1625	$276
In 65 MPH zone	$1729	$288
Operating a vehicle without permission	$1734	$295
Speeding 21 - 25 MPH over limit	$1758	$293
Open container	$1803	$307
At-fault accident - $1000-$2000	$1895	$316
At-fault accident - greater than $2000	$1936	$329
Driving with a suspended license	$2028	$338
Reckless driving	$2236	$380
Refusal to submit to a chemical test	$2258	$376
Racing	$2281	$388
DUI	$2311	$385
Leaving scene of an accident/hit and run	$2397	$407

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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 Mountain Village 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 Mountain Village.

The cheapest car insurance premiums in Mountain Village are offered by Colorado Farm Bureau at $202 for a six-month policy. However, it can be as expensive as $2155 with companies like AutoOwners.

Mountain Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$202	$34
American National	$213	$36
American National P&C	$242	$41
Farm Bureau	$317	$52
Colorado Farm Bureau Mutual	$922	$157
Progressive	$1095	$184
State Farm	$1170	$197
American Family	$1302	$219
USAA	$1377	$232
Farmers	$1982	$334
Allstate	$2334	$393
Nationwide	$4978	$829
Auto-Owners	$2155	$367

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 Mountain Village are offered by American National P&C at $178. However, it can be as expensive as $1083 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Mountain Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$178	$30
Colorado Farm Bureau	$184	$31
Auto-Owners Insurance Co	$294	$49
State Farm	$882	$148
American Family	$933	$157
USAA	$1239	$210
Progressive	$1429	$241
Allstate	$2334	$397
Nationwide	$3042	$507
Farmers	$3970	$675
Auto-Owners	$1083	$184

Car Insurance Price Trends in Mountain Village, Colorado

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

The average cost of full coverage in the Mountain Village rose by $252 in January compared to $228 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Mountain Village dipped to $47 in January, compared to $56 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mountain Village?

The car insurance in Mountain Village is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Mountain Village?

The cheapest car insurance in Mountain Village is $59 per month for full coverage.

How much is car insurance in Mountain Village for teenagers?

Car insurance for teenagers costs $145 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 Mountain Village?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $199 per month to insure your car in Mountain Village.

Is car insurance expensive in Mountain Village?

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

What is the best car insurance in Mountain Village, CO?

The best car insurance company in Mountain Village CO is Colorado Farm Bureau, offering $357 for a six-month policy.