Cheapest Car Insurance Quotes in New Castle

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New Castle 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 New Castle

The car insurance rate in New Castle is $891 for a six-month policy, which is $196 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 New Castle 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 New Castle

$891

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in New Castle

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 New Castle.

New Castle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Castle, 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, Farm Bureau is the most expensive, with rates reaching $1403 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Castle drivers find the best deals.

Cheap Car Insurance Companies in New Castle, 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	$653	$111
American Family	$789	$133
American National	$818	$139
State Farm	$891	$150
USAA	$906	$153
Farmers	$1047	$175
Progressive	$1135	$191
Allstate	$1408	$237
Nationwide	$1778	$303
Auto-Owners	$882	$147
Farm Bureau	$1403	$239

Key Takeaways

Way's key takeaways about car insurance in New Castle

The auto insurance costs in New Castle fall around $302 for six months.
The cheapest auto insurance company in New Castle is Colorado Farm Bureau.
Teen drivers pay the highest rate in New Castle at $490 per month.

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Cheapest Minimum Liability Car Insurance in New Castle

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 New Castle are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in New Castle. Their Average 6 Month Premium is $117. AutoOwners is the most expensive at $326 for the same period.

Cheapest Liability Coverage in New Castle, 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	$180	$30
USAA	$200	$34
Auto-Owners Insurance Co	$229	$39
Farm Bureau	$234	$39
Acuity	$248	$42
State Farm	$263	$44
Progressive	$273	$46
American Family	$283	$48
Farmers	$336	$57
Allstate	$517	$87
Nationwide	$540	$92
Auto-Owners	$326	$54

Cheapest Full Coverage Car Insurance in New Castle

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

Cheapest Full Coverage Car Insurance Quotes in New Castle, 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	$653	$111
American Family	$789	$133
American National	$818	$139
State Farm	$891	$150
USAA	$906	$153
Farmers	$1047	$175
Progressive	$1135	$191
Allstate	$1408	$237
Nationwide	$1778	$303
Auto-Owners	$882	$147
Farm Bureau	$1403	$239

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Average Car Insurance in New Castle 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 New Castle, CO increasing?

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

Car Insurance Premiums by Age in New Castle

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 New Castle,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the New Castle at $21 per month. At $2883 for a six-month premium, AutoOwners 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	$53
USAA	$1130	$190
American Family	$1758	$296
State Farm	$1793	$302
Progressive	$2134	$359
Allstate	$3590	$599
Nationwide	$5674	$965
Colorado Farm Bureau Mutual	$1115	$189
Farmers	$7194	$1211
Auto-Owners	$2883	$490

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 New Castle, 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 New Castle is AutoOwners, offering rates of around $2669 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$229	$39
Acuity	$351	$60
Farmers	$414	$69
American Family	$1140	$192
Progressive	$1510	$254
USAA	$1690	$287
Nationwide	$2699	$449
Allstate	$2995	$509
State Farm	$5212	$868
Auto-Owners	$2669	$453

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Car Insurance Rates with An Accident in New Castle

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Castle

The cheapest car insurance companies after an at-fault accident in New Castle include Colorado Farm Bureau and American National, offering $146 and $171, respectively. AutoOwners is an expensive provider with an average six-month premium of $1466.

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	$633	$107
USAA	$726	$122
American Family	$964	$162
Progressive	$1349	$227
Allstate	$2767	$471
Nationwide	$3118	$520
Colorado Farm Bureau Mutual	$765	$130
Farmers	$2684	$452
Auto-Owners	$1466	$244

New Castle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Castle CO. For example, the car insurance in New Castle 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.

New Castle auto insurance quotes by violations

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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 New Castle 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 New Castle.

The cheapest car insurance premiums in New Castle are offered by Colorado Farm Bureau at $171 for a six-month policy. However, it can be as expensive as $1822 with companies like AutoOwners.

New Castle 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	$44
Farmers	$404	$69
Progressive	$818	$138
State Farm	$989	$166
USAA	$1052	$177
American Family	$1115	$188
Allstate	$2372	$395
Nationwide	$4208	$716
Colorado Farm Bureau Mutual	$779	$133
Auto-Owners	$1822	$310

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 New Castle are offered by American National P&C at $151. However, it can be as expensive as $916 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in New Castle 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	$41
State Farm	$745	$125
American Family	$789	$133
USAA	$1047	$178
Progressive	$1213	$204
Allstate	$1973	$335
Nationwide	$2572	$429
Farmers	$3356	$571
Auto-Owners	$916	$156

Car Insurance Price Trends in New Castle, Colorado

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

The average cost of full coverage in the New Castle dipped by $184 in March compared to $213 of February. In other words, there has been an decrease by $29 when you compare March and February.

The average cost of liability insurance in the New Castle rose to $44 in March, compared to $39 in February. This represents an increase of $5 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in New Castle?

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

What is the cheapest car insurance in New Castle?

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

How much is car insurance in New Castle 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 New Castle?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $150 per month to insure your car in New Castle.

Is car insurance expensive in New Castle?

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

What is the best car insurance in New Castle, CO?

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