Cheapest Car Insurance Quotes in New Castle

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New Castle Car Insurance

^$ 21

/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 $1070 for a six-month policy, which is $146 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, 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

$1070

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in New Castle

1st place: Colorado Farm Bureau

At $324 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 $356 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 $533 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 $324 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $356.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1296 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	$324	$54
American National P&C	$356	$61
Auto-Owners Insurance Co	$533	$89
Acuity	$580	$99
Colorado Farm Bureau Mutual	$679	$114
American National	$878	$150
American Family	$894	$150
USAA	$1003	$169
State Farm	$1213	$204
Progressive	$1234	$208
Allstate	$1683	$283
Nationwide	$1908	$325
Farmers	$2101	$354
Auto-Owners	$946	$158
Farm Bureau	$1506	$256
California Casualty	$1296	$216

Key Takeaways

Way's key takeaways about car insurance in New Castle

The auto insurance costs in New Castle fall around $324 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 $526 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 $126. California Casualty is the most expensive at $183 for the same period.

Cheapest Liability Coverage in New Castle, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$126	$21
American National P&C	$136	$23
American National	$162	$27
Colorado Farm Bureau Mutual	$188	$32
USAA	$224	$38
Progressive	$235	$40
Auto-Owners Insurance Co	$246	$41
Farm Bureau	$251	$42
Acuity	$267	$45
American Family	$282	$48
State Farm	$288	$48
Farmers	$444	$74
Allstate	$496	$84
Auto-Owners	$350	$58
Nationwide	$580	$97
California Casualty	$183	$31

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 $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Castle, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$324	$54
American National P&C	$356	$61
Auto-Owners Insurance Co	$533	$89
Acuity	$580	$99
Colorado Farm Bureau Mutual	$679	$114
American National	$878	$150
American Family	$894	$150
USAA	$1003	$169
State Farm	$1213	$204
Progressive	$1234	$208
Allstate	$1683	$283
Nationwide	$1908	$325
Farmers	$2101	$354
Auto-Owners	$946	$158
Farm Bureau	$1506	$256
California Casualty	$1296	$216

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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 $22 per month. At $3094 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$131	$22
American National P&C	$162	$27
California Casualty	$183	$31
Colorado Farm Bureau	$230	$39
Auto-Owners Insurance Co	$334	$55
Colorado Farm Bureau Mutual	$1197	$203
USAA	$1500	$253
American Family	$1876	$316
State Farm	$2666	$449
Progressive	$3257	$548
Allstate	$3513	$591
Nationwide	$6090	$1036
Farmers	$7720	$1300
Auto-Owners	$3094	$526

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 $246 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 $2864 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$246	$41
Acuity	$377	$62
American Family	$1223	$206
Progressive	$1620	$273
USAA	$1814	$308
Farmers	$2399	$404
Nationwide	$2896	$493
Allstate	$3215	$536
State Farm	$5593	$951
Auto-Owners	$2864	$487

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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 $157 and $183, respectively. AutoOwners is an expensive provider with an average six-month premium of $1573.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$157	$26
American National	$183	$31
American National P&C	$194	$33
Farm Bureau	$246	$41
California Casualty	$356	$59
Colorado Farm Bureau Mutual	$821	$140
USAA	$868	$146
State Farm	$910	$153
American Family	$1097	$185
Progressive	$1631	$275
Allstate	$2462	$414
Farmers	$2880	$485
Nationwide	$3346	$558
Auto-Owners	$1573	$262

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 $930 for a six month policy. While the rate increases by $272 for a six-month policy in the case of a speeding ticket.

New Castle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1166	$194
One Med/PIP claim	$1171	$199
Not-at-fault accident	$1192	$199
One comp claim	$1197	$203
Two Med/PIP claims	$1197	$200
Two comp claims	$1244	$211
Failure to wear a seat belt	$1302	$217
Failure to show documents	$1312	$224
Child safety restraint	$1328	$221
Driving without lights	$1328	$226
Driving with expired registration	$1380	$230
Texting while driving	$1396	$238
At-fault accident - less than $1000	$1406	$234
Cell phone violation	$1412	$240
Failure to yield	$1412	$235
Following too closely	$1412	$240
Illegal turn	$1412	$235
Failure to stop at a red light	$1417	$241
Driving too slowly	$1422	$237
Improper passing	$1427	$243
Wrong way/wrong lane	$1433	$238
Speeding 6 - 10 MPH over limit	$1438	$245
Speeding 11 - 15 MPH over limit	$1442	$240
Speeding 16 - 20 MPH over limit	$1442	$246
Speeding in school zone	$1448	$241
Passing school bus	$1474	$251
In 65 MPH zone	$1568	$261
Operating a vehicle without permission	$1573	$268
Speeding 21 - 25 MPH over limit	$1595	$266
Open container	$1636	$278
At-fault accident - $1000-$2000	$1720	$287
At-fault accident - greater than $2000	$1756	$298
Driving with a suspended license	$1840	$306
Reckless driving	$2028	$345
Refusal to submit to a chemical test	$2049	$341
Racing	$2070	$352
DUI	$2096	$349
Leaving scene of an accident/hit and run	$2174	$370

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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 $183 for a six-month policy. However, it can be as expensive as $1955 with companies like AutoOwners.

New Castle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$183	$31
American National	$194	$33
American National P&C	$219	$37
Farm Bureau	$288	$48
Colorado Farm Bureau Mutual	$836	$143
Progressive	$994	$167
State Farm	$1061	$179
American Family	$1181	$199
USAA	$1250	$210
Farmers	$1798	$303
Allstate	$2117	$356
Nationwide	$4516	$752
Auto-Owners	$1955	$333

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 $162. However, it can be as expensive as $983 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	$162	$27
Colorado Farm Bureau	$167	$28
Auto-Owners Insurance Co	$267	$44
State Farm	$800	$135
American Family	$847	$143
USAA	$1124	$191
Progressive	$1296	$218
Allstate	$2117	$360
Nationwide	$2760	$460
Farmers	$3602	$612
Auto-Owners	$983	$167

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 rose by $229 in January compared to $207 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the New Castle dipped to $42 in January, compared to $51 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 New Castle?

The car insurance in New Castle is $21 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 $54 per month for full coverage.

How much is car insurance in New Castle for teenagers?

Car insurance for teenagers costs $131 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 $1216 for a six-month policy. It will cost around $180 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 $324 for a six-month policy.