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Finding the cheapest car insurance quotes in Paradox shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Paradox
The car insurance rate in Paradox is $1094 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $331, making it a popular choice for budget-conscious drivers. Rates in Paradox 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 $331 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 $364 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 $545
for six months, making it
the third cheapest auto insurance company in Paradox.
Paradox Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Paradox, CO is Colorado Farm Bureau, offering policies at just $331 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $364.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1326 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paradox drivers find the best deals.
Way's key takeaways about car insurance in Paradox
The auto insurance costs in Paradox fall around $331 for six
months.
The cheapest auto insurance company in Paradox is Colorado Farm Bureau.
Teen drivers pay the highest rate in Paradox at $538 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Paradox
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 Paradox are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Paradox. Their Average 6 Month Premium is $129.
California Casualty is the most
expensive at $187 for the same
period.
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 Paradox is Colorado Farm Bureau
at $55 per month and $331
for six months.
Cheapest Full Coverage Car Insurance Quotes in Paradox,
CO
Get Your Car Insurance Quote in Paradox
Instantly!
Average Car Insurance in Paradox 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 Paradox, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Paradox, 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, Paradox's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Paradox
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Paradox,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Paradox at $23
per
month. At $3164 for a six-month premium,
AutoOwners offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Paradox.
As young drivers face the highest rates in Paradox, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Paradox,
Colorado Farm Bureau is
the cheapest car insurance provider. At $251 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
Paradox is AutoOwners, offering
rates of around $2930 for six
months.
Save up to $971/yr on car insurance rates in Paradox.
Car Insurance Rates with An Accident in Paradox
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 Paradox, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Paradox
The cheapest car insurance companies after an at-fault accident in
Paradox include Colorado Farm Bureau
and American National, offering $160
and $187,
respectively. AutoOwners is an expensive provider
with an average six-month premium of
$1609.
Here is a list of driving violations that can increase your car
insurance rates in Paradox CO. For example, the car
insurance in Paradox
after a DUI increases to $951 for a six
month policy. While the rate increases by $278 for a six-month policy in the case of
a speeding ticket.
Paradox auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1193
$199
One Med/PIP claim
$1198
$203
Not-at-fault accident
$1219
$203
One comp claim
$1224
$208
Two Med/PIP claims
$1224
$204
Two comp claims
$1273
$216
Failure to wear a seat belt
$1331
$222
Failure to show documents
$1342
$229
Child safety restraint
$1358
$226
Driving without lights
$1358
$231
Driving with expired registration
$1411
$235
Texting while driving
$1427
$243
At-fault accident - less than $1000
$1438
$239
Cell phone violation
$1444
$246
Failure to yield
$1444
$240
Following too closely
$1444
$246
Illegal turn
$1444
$240
Failure to stop at a red light
$1449
$247
Driving too slowly
$1454
$242
Improper passing
$1460
$248
Wrong way/wrong lane
$1465
$244
Speeding 6 - 10 MPH over limit
$1471
$250
Speeding 11 - 15 MPH over limit
$1475
$246
Speeding 16 - 20 MPH over limit
$1475
$251
Speeding in school zone
$1481
$247
Passing school bus
$1508
$257
In 65 MPH zone
$1604
$267
Operating a vehicle without permission
$1609
$274
Speeding 21 - 25 MPH over limit
$1631
$272
Open container
$1673
$284
At-fault accident - $1000-$2000
$1759
$293
At-fault accident - greater than $2000
$1796
$305
Driving with a suspended license
$1882
$313
Reckless driving
$2075
$353
Refusal to submit to a chemical test
$2095
$349
Racing
$2117
$360
DUI
$2144
$357
Leaving scene of an accident/hit and run
$2224
$378
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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 Paradox 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 Paradox.
The cheapest car insurance premiums in
Paradox are
offered by Colorado Farm Bureau at $187 for a six-month policy.
However, it can be as
expensive as $2000 with companies
like AutoOwners.
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 Paradox are offered by American National P&C
at $166. However,
it can be as expensive as $1005
with companies like AutoOwners for a similar
six-month premium.
Cheapest Car Insurance in Paradox after Speeding ticket
Car insurance rates in Paradox have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Paradox rose by
$234 in January
compared to $212 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 Paradox dipped to $43 in January,
compared to $52 in December.
This represents an decrease of $9
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Paradox. At $2188 for a
six-month policy, insuring
your car at 81429 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Paradox?
The car insurance in Paradox is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Paradox?
The cheapest car insurance in Paradox
is $55 per month
for full coverage.
How much is car insurance in Paradox for teenagers?
Car insurance for teenagers costs $134 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
Paradox?
The average cost of car insurance is $1216 for a six-month
policy. It will cost around $185 per month to insure your
car in Paradox.
Is car insurance expensive in Paradox?
Car insurance can be expensive in Paradox if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Paradox can be
affordable.
What is the best car insurance in Paradox,
CO?
The best car insurance company in Paradox
CO is
Colorado Farm Bureau, offering $331 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Paradox, CO
Car Insurance Rates by State in the USA (2025 Update)
Paradox Car Insurance
