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Niwot Car Insurance
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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.
The car insurance rate in Niwot is $1143 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Niwot 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 $346 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.
American National P&C offers auto insurance rates at $380 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Niwot.
Based on our research, the cheapest car insurance company in Niwot, CO is Colorado Farm Bureau, offering policies at just $346 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $380.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1385 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Niwot drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $346 | $57 |
| American National P&C | $380 | $65 |
| Auto-Owners Insurance Co | $570 | $95 |
| Acuity | $619 | $105 |
| Colorado Farm Bureau Mutual | $726 | $121 |
| American National | $938 | $160 |
| American Family | $955 | $161 |
| USAA | $1072 | $180 |
| State Farm | $1295 | $218 |
| Progressive | $1318 | $222 |
| Allstate | $1798 | $303 |
| Nationwide | $2038 | $347 |
| Farmers | $2245 | $378 |
| Auto-Owners | $1010 | $168 |
| Farm Bureau | $1608 | $274 |
| California Casualty | $1385 | $231 |
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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 Niwot are given below.
Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Niwot. Their Average 6 Month Premium is $134. California Casualty is the most expensive at $196 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $134 | $23 |
| American National P&C | $145 | $24 |
| American National | $173 | $29 |
| Colorado Farm Bureau Mutual | $201 | $34 |
| USAA | $240 | $40 |
| Progressive | $251 | $42 |
| Auto-Owners Insurance Co | $262 | $44 |
| Farm Bureau | $268 | $45 |
| Acuity | $285 | $48 |
| American Family | $302 | $51 |
| State Farm | $307 | $52 |
| Farmers | $475 | $79 |
| Allstate | $530 | $90 |
| Auto-Owners | $374 | $62 |
| Nationwide | $619 | $103 |
| California Casualty | $196 | $33 |
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 Niwot is Colorado Farm Bureau at $57 per month and $346 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $346 | $57 |
| American National P&C | $380 | $65 |
| Auto-Owners Insurance Co | $570 | $95 |
| Acuity | $619 | $105 |
| Colorado Farm Bureau Mutual | $726 | $121 |
| American National | $938 | $160 |
| American Family | $955 | $161 |
| USAA | $1072 | $180 |
| State Farm | $1295 | $218 |
| Progressive | $1318 | $222 |
| Allstate | $1798 | $303 |
| Nationwide | $2038 | $347 |
| Farmers | $2245 | $378 |
| Auto-Owners | $1010 | $168 |
| Farm Bureau | $1608 | $274 |
| California Casualty | $1385 | $231 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Niwot, 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, Niwot's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Niwot at $24 per month. At $3305 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $140 | $24 |
| American National P&C | $173 | $29 |
| California Casualty | $196 | $33 |
| Colorado Farm Bureau | $245 | $41 |
| Auto-Owners Insurance Co | $357 | $59 |
| Colorado Farm Bureau Mutual | $1278 | $217 |
| USAA | $1603 | $270 |
| American Family | $2004 | $337 |
| State Farm | $2847 | $479 |
| Progressive | $3479 | $586 |
| Allstate | $3752 | $632 |
| Nationwide | $6505 | $1106 |
| Farmers | $8247 | $1388 |
| Auto-Owners | $3305 | $562 |
Teen Car Insurance Rates in CO by Age
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.
For those with poor credit scores in Niwot, Colorado Farm Bureau is the cheapest car insurance provider. At $262 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 Niwot is AutoOwners, offering rates of around $3060 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $262 | $44 |
| Acuity | $402 | $67 |
| American Family | $1307 | $220 |
| Progressive | $1731 | $291 |
| USAA | $1937 | $329 |
| Farmers | $2562 | $431 |
| Nationwide | $3094 | $526 |
| Allstate | $3434 | $572 |
| State Farm | $5975 | $1016 |
| Auto-Owners | $3060 | $520 |
Save up to $971/yr on car insurance rates in Niwot.
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 Niwot, CO, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Niwot include Colorado Farm Bureau and American National, offering $167 and $196, respectively. AutoOwners is an expensive provider with an average six-month premium of $1681.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $167 | $28 |
| American National | $196 | $33 |
| American National P&C | $207 | $35 |
| Farm Bureau | $262 | $44 |
| California Casualty | $380 | $63 |
| Colorado Farm Bureau Mutual | $877 | $149 |
| USAA | $927 | $156 |
| State Farm | $972 | $164 |
| American Family | $1172 | $197 |
| Progressive | $1742 | $293 |
| Allstate | $2630 | $443 |
| Farmers | $3077 | $518 |
| Nationwide | $3574 | $596 |
| Auto-Owners | $1681 | $280 |
Here is a list of driving violations that can increase your car insurance rates in Niwot CO. For example, the car insurance in Niwot after a DUI increases to $993 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1246 | $208 |
| One Med/PIP claim | $1251 | $212 |
| Not-at-fault accident | $1273 | $212 |
| One comp claim | $1278 | $217 |
| Two Med/PIP claims | $1278 | $213 |
| Two comp claims | $1329 | $226 |
| Failure to wear a seat belt | $1390 | $232 |
| Failure to show documents | $1402 | $239 |
| Child safety restraint | $1418 | $236 |
| Driving without lights | $1418 | $242 |
| Driving with expired registration | $1474 | $245 |
| Texting while driving | $1491 | $254 |
| At-fault accident - less than $1000 | $1502 | $250 |
| Cell phone violation | $1508 | $257 |
| Failure to yield | $1508 | $251 |
| Following too closely | $1508 | $257 |
| Illegal turn | $1508 | $251 |
| Failure to stop at a red light | $1513 | $258 |
| Driving too slowly | $1519 | $253 |
| Improper passing | $1525 | $259 |
| Wrong way/wrong lane | $1530 | $255 |
| Speeding 6 - 10 MPH over limit | $1536 | $261 |
| Speeding 11 - 15 MPH over limit | $1541 | $257 |
| Speeding 16 - 20 MPH over limit | $1541 | $262 |
| Speeding in school zone | $1546 | $258 |
| Passing school bus | $1575 | $268 |
| In 65 MPH zone | $1675 | $279 |
| Operating a vehicle without permission | $1681 | $286 |
| Speeding 21 - 25 MPH over limit | $1703 | $284 |
| Open container | $1747 | $297 |
| At-fault accident - $1000-$2000 | $1837 | $306 |
| At-fault accident - greater than $2000 | $1876 | $319 |
| Driving with a suspended license | $1966 | $327 |
| Reckless driving | $2167 | $368 |
| Refusal to submit to a chemical test | $2188 | $365 |
| Racing | $2211 | $376 |
| DUI | $2239 | $373 |
| Leaving scene of an accident/hit and run | $2323 | $395 |
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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.
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 Niwot.
The cheapest car insurance premiums in Niwot are offered by Colorado Farm Bureau at $196 for a six-month policy. However, it can be as expensive as $2089 with companies like AutoOwners.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $196 | $33 |
| American National | $207 | $35 |
| American National P&C | $234 | $39 |
| Farm Bureau | $307 | $51 |
| Colorado Farm Bureau Mutual | $893 | $152 |
| Progressive | $1061 | $179 |
| State Farm | $1134 | $191 |
| American Family | $1261 | $212 |
| USAA | $1335 | $225 |
| Farmers | $1920 | $323 |
| Allstate | $2262 | $381 |
| Nationwide | $4824 | $804 |
| Auto-Owners | $2089 | $355 |
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 Niwot are offered by American National P&C at $173. However, it can be as expensive as $1050 with companies like AutoOwners for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $173 | $29 |
| Colorado Farm Bureau | $179 | $30 |
| Auto-Owners Insurance Co | $285 | $47 |
| State Farm | $854 | $144 |
| American Family | $904 | $152 |
| USAA | $1200 | $204 |
| Progressive | $1385 | $233 |
| Allstate | $2262 | $384 |
| Nationwide | $2948 | $492 |
| Farmers | $3847 | $654 |
| Auto-Owners | $1050 | $179 |
Car insurance rates in Niwot have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Niwot rose by $244 in January compared to $221 of December. In other words, there has been an increase by $23 when you compare January and December.
The average cost of liability insurance in the Niwot dipped to $45 in January, compared to $55 in December. This represents an decrease of $10 when comparing January and December.
How much is car insurance in Niwot?
The car insurance in Niwot is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Niwot?
The cheapest car insurance in Niwot is $57 per month for full coverage.
How much is car insurance in Niwot for teenagers?
Car insurance for teenagers costs $140 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 Niwot?
The average cost of car insurance is $1216 for a six-month policy. It will cost around $193 per month to insure your car in Niwot.
Is car insurance expensive in Niwot?
Car insurance can be expensive in Niwot if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Niwot can be affordable.
What is the best car insurance in Niwot, CO?
The best car insurance company in Niwot CO is Colorado Farm Bureau, offering $346 for a six-month policy.
Cut auto insurance costs in Niwot right now.