Cheapest Car Insurance Quotes in Paonia

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408,850 Policies Sold

Paonia Car Insurance

^$ 19

/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 Paonia

The car insurance rate in Paonia is $880 for a six-month policy, which is $207 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $298, making it a popular choice for budget-conscious drivers. Rates in Paonia 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 Paonia

$880

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Paonia

1st place: Colorado Farm Bureau

At $298 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 $327 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 $491 for six months, making it the third cheapest auto insurance company in Paonia.

Paonia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paonia, CO is Colorado Farm Bureau, offering policies at just $298 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $327.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1386 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paonia drivers find the best deals.

Cheap Car Insurance Companies in Paonia, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$298	$51
American National P&C	$327	$54
Auto-Owners Insurance Co	$491	$83
Acuity	$534	$89
Colorado Farm Bureau Mutual	$645	$109
American Family	$779	$131
American National	$808	$138
State Farm	$880	$148
USAA	$895	$151
Farmers	$1034	$173
Progressive	$1121	$189
Allstate	$1391	$234
Nationwide	$1756	$299
Auto-Owners	$871	$145
Farm Bureau	$1386	$236

Key Takeaways

Way's key takeaways about car insurance in Paonia

The auto insurance costs in Paonia fall around $298 for six months.
The cheapest auto insurance company in Paonia is Colorado Farm Bureau.
Teen drivers pay the highest rate in Paonia at $484 per month.

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Cheapest Minimum Liability Car Insurance in Paonia

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 Paonia are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Paonia. Their Average 6 Month Premium is $116. AutoOwners is the most expensive at $322 for the same period.

Cheapest Liability Coverage in Paonia, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$116	$19
American National P&C	$125	$21
American National	$149	$25
Colorado Farm Bureau Mutual	$178	$30
USAA	$198	$33
Auto-Owners Insurance Co	$226	$38
Farm Bureau	$231	$39
Acuity	$245	$41
State Farm	$260	$44
Progressive	$270	$45
American Family	$279	$47
Farmers	$332	$57
Allstate	$510	$86
Nationwide	$534	$91
Auto-Owners	$322	$53

Cheapest Full Coverage Car Insurance in Paonia

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 Paonia is Colorado Farm Bureau at $51 per month and $298 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paonia, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$298	$51
American National P&C	$327	$54
Auto-Owners Insurance Co	$491	$83
Acuity	$534	$89
Colorado Farm Bureau Mutual	$645	$109
American Family	$779	$131
American National	$808	$138
State Farm	$880	$148
USAA	$895	$151
Farmers	$1034	$173
Progressive	$1121	$189
Allstate	$1391	$234
Nationwide	$1756	$299
Auto-Owners	$871	$145
Farm Bureau	$1386	$236

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Average Car Insurance in Paonia 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 Paonia, CO increasing?

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

Car Insurance Premiums by Age in Paonia

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 Paonia,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Paonia at $20 per month. At $2848 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$121	$20
American National P&C	$149	$25
California Casualty	$168	$28
Colorado Farm Bureau	$211	$36
Auto-Owners Insurance Co	$308	$53
USAA	$1116	$188
American Family	$1737	$292
State Farm	$1771	$298
Progressive	$2108	$355
Allstate	$3546	$591
Nationwide	$5605	$953
Colorado Farm Bureau Mutual	$1102	$187
Farmers	$7106	$1196
Auto-Owners	$2848	$484

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 Paonia, Colorado Farm Bureau is the cheapest car insurance provider. At $226 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 Paonia is AutoOwners, offering rates of around $2637 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$226	$38
Acuity	$347	$59
Farmers	$409	$68
American Family	$1126	$190
Progressive	$1491	$251
USAA	$1669	$284
Nationwide	$2666	$444
Allstate	$2959	$503
State Farm	$5148	$858
Auto-Owners	$2637	$448

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Car Insurance Rates with An Accident in Paonia

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

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

The cheapest car insurance companies after an at-fault accident in Paonia include Colorado Farm Bureau and American National, offering $144 and $168, respectively. AutoOwners is an expensive provider with an average six-month premium of $1448.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$144	$24
American National	$168	$28
American National P&C	$178	$30
Farm Bureau	$226	$38
California Casualty	$327	$54
State Farm	$625	$105
USAA	$717	$121
American Family	$953	$160
Progressive	$1332	$224
Allstate	$2733	$465
Nationwide	$3080	$514
Colorado Farm Bureau Mutual	$756	$129
Farmers	$2651	$446
Auto-Owners	$1448	$241

Paonia Car Insurance Rates by Violation

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

Paonia 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 Paonia 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 Paonia.

The cheapest car insurance premiums in Paonia are offered by Colorado Farm Bureau at $168 for a six-month policy. However, it can be as expensive as $1800 with companies like AutoOwners.

Paonia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$168	$28
American National	$178	$30
American National P&C	$202	$34
Farm Bureau	$265	$44
Farmers	$399	$68
Progressive	$808	$136
State Farm	$977	$164
USAA	$1039	$175
American Family	$1102	$185
Allstate	$2343	$390
Nationwide	$4157	$707
Colorado Farm Bureau Mutual	$770	$131
Auto-Owners	$1800	$306

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 Paonia are offered by American National P&C at $149. However, it can be as expensive as $905 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Paonia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$149	$25
Colorado Farm Bureau	$154	$26
Auto-Owners Insurance Co	$245	$41
State Farm	$736	$124
American Family	$779	$131
USAA	$1034	$176
Progressive	$1198	$202
Allstate	$1949	$331
Nationwide	$2540	$424
Farmers	$3315	$564
Auto-Owners	$905	$154

Car Insurance Price Trends in Paonia, Colorado

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

The average cost of full coverage in the Paonia dipped by $181 in March compared to $211 of February. In other words, there has been an decrease by $30 when you compare March and February.

The average cost of liability insurance in the Paonia 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 Paonia?

The car insurance in Paonia is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Paonia?

The cheapest car insurance in Paonia is $51 per month for full coverage.

How much is car insurance in Paonia for teenagers?

Car insurance for teenagers costs $121 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 Paonia?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $148 per month to insure your car in Paonia.

Is car insurance expensive in Paonia?

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

What is the best car insurance in Paonia, CO?

The best car insurance company in Paonia CO is Colorado Farm Bureau, offering $298 for a six-month policy.