Cheapest Car Insurance Quotes in Paragon Estates

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Paragon Estates Car Insurance

^$ 23

/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 Paragon Estates

The car insurance rate in Paragon Estates is $1167 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Paragon Estates 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 Paragon Estates

$1167

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Paragon Estates

1st place: Colorado Farm Bureau

At $353 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 $388 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 $582 for six months, making it the third cheapest auto insurance company in Paragon Estates.

Paragon Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paragon Estates, CO is Colorado Farm Bureau, offering policies at just $353 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $388.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paragon Estates drivers find the best deals.

Cheap Car Insurance Companies in Paragon Estates, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$59
American National P&C	$388	$66
Auto-Owners Insurance Co	$582	$97
Acuity	$633	$108
Colorado Farm Bureau Mutual	$741	$124
American National	$958	$163
American Family	$975	$164
USAA	$1094	$184
State Farm	$1323	$223
Progressive	$1346	$227
Allstate	$1836	$309
Nationwide	$2081	$354
Farmers	$2292	$386
Auto-Owners	$1032	$172
Farm Bureau	$1643	$279
California Casualty	$1414	$236

Key Takeaways

Way's key takeaways about car insurance in Paragon Estates

The auto insurance costs in Paragon Estates fall around $353 for six months.
The cheapest auto insurance company in Paragon Estates is Colorado Farm Bureau.
Teen drivers pay the highest rate in Paragon Estates at $574 per month.

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Cheapest Minimum Liability Car Insurance in Paragon Estates

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 Paragon Estates are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Paragon Estates. Their Average 6 Month Premium is $137. California Casualty is the most expensive at $200 for the same period.

Cheapest Liability Coverage in Paragon Estates, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$137	$23
American National P&C	$148	$25
American National	$177	$30
Colorado Farm Bureau Mutual	$205	$35
USAA	$245	$41
Progressive	$256	$43
Auto-Owners Insurance Co	$268	$45
Farm Bureau	$274	$46
Acuity	$291	$49
American Family	$308	$52
State Farm	$314	$53
Farmers	$485	$81
Allstate	$541	$92
Auto-Owners	$382	$63
Nationwide	$633	$106
California Casualty	$200	$34

Cheapest Full Coverage Car Insurance in Paragon Estates

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 Paragon Estates is Colorado Farm Bureau at $59 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paragon Estates, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$59
American National P&C	$388	$66
Auto-Owners Insurance Co	$582	$97
Acuity	$633	$108
Colorado Farm Bureau Mutual	$741	$124
American National	$958	$163
American Family	$975	$164
USAA	$1094	$184
State Farm	$1323	$223
Progressive	$1346	$227
Allstate	$1836	$309
Nationwide	$2081	$354
Farmers	$2292	$386
Auto-Owners	$1032	$172
Farm Bureau	$1643	$279
California Casualty	$1414	$236

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Average Car Insurance in Paragon Estates 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 Paragon Estates, CO increasing?

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

Car Insurance Premiums by Age in Paragon Estates

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 Paragon Estates,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Paragon Estates at $24 per month. At $3375 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$143	$24
American National P&C	$177	$30
California Casualty	$200	$34
Colorado Farm Bureau	$251	$42
Auto-Owners Insurance Co	$365	$60
Colorado Farm Bureau Mutual	$1306	$222
USAA	$1637	$276
American Family	$2047	$345
State Farm	$2908	$490
Progressive	$3553	$598
Allstate	$3832	$645
Nationwide	$6643	$1130
Farmers	$8422	$1418
Auto-Owners	$3375	$574

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 Paragon Estates, Colorado Farm Bureau is the cheapest car insurance provider. At $268 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 Paragon Estates is AutoOwners, offering rates of around $3125 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$268	$45
Acuity	$411	$68
American Family	$1334	$225
Progressive	$1767	$298
USAA	$1979	$336
Farmers	$2617	$441
Nationwide	$3159	$538
Allstate	$3507	$585
State Farm	$6102	$1038
Auto-Owners	$3125	$531

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Car Insurance Rates with An Accident in Paragon Estates

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

Cheapest Car Insurance Companies after an At-Fault Accident in Paragon Estates

The cheapest car insurance companies after an at-fault accident in Paragon Estates include Colorado Farm Bureau and American National, offering $171 and $200, respectively. AutoOwners is an expensive provider with an average six-month premium of $1716.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$171	$29
American National	$200	$34
American National P&C	$211	$36
Farm Bureau	$268	$45
California Casualty	$388	$64
Colorado Farm Bureau Mutual	$896	$153
USAA	$947	$159
State Farm	$993	$167
American Family	$1197	$202
Progressive	$1779	$300
Allstate	$2686	$452
Farmers	$3142	$529
Nationwide	$3650	$609
Auto-Owners	$1716	$286

Paragon Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paragon Estates CO. For example, the car insurance in Paragon Estates after a DUI increases to $1015 for a six month policy. While the rate increases by $297 for a six-month policy in the case of a speeding ticket.

Paragon Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
One Med/PIP claim	$1278	$217
Not-at-fault accident	$1300	$217
One comp claim	$1306	$222
Two Med/PIP claims	$1306	$218
Two comp claims	$1357	$230
Failure to wear a seat belt	$1420	$237
Failure to show documents	$1431	$244
Child safety restraint	$1449	$241
Driving without lights	$1449	$247
Driving with expired registration	$1505	$251
Texting while driving	$1523	$259
At-fault accident - less than $1000	$1534	$255
Cell phone violation	$1540	$262
Failure to yield	$1540	$256
Following too closely	$1540	$262
Illegal turn	$1540	$256
Failure to stop at a red light	$1546	$263
Driving too slowly	$1551	$258
Improper passing	$1557	$265
Wrong way/wrong lane	$1563	$260
Speeding 6 - 10 MPH over limit	$1569	$267
Speeding 11 - 15 MPH over limit	$1573	$262
Speeding 16 - 20 MPH over limit	$1573	$268
Speeding in school zone	$1579	$263
Passing school bus	$1608	$274
In 65 MPH zone	$1711	$285
Operating a vehicle without permission	$1716	$292
Speeding 21 - 25 MPH over limit	$1740	$290
Open container	$1785	$303
At-fault accident - $1000-$2000	$1876	$313
At-fault accident - greater than $2000	$1916	$325
Driving with a suspended license	$2007	$334
Reckless driving	$2213	$376
Refusal to submit to a chemical test	$2235	$372
Racing	$2258	$384
DUI	$2287	$381
Leaving scene of an accident/hit and run	$2372	$403

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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 Paragon Estates 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 Paragon Estates.

The cheapest car insurance premiums in Paragon Estates are offered by Colorado Farm Bureau at $200 for a six-month policy. However, it can be as expensive as $2133 with companies like AutoOwners.

Paragon Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$200	$34
American National	$211	$36
American National P&C	$239	$40
Farm Bureau	$314	$52
Colorado Farm Bureau Mutual	$912	$156
Progressive	$1084	$182
State Farm	$1158	$195
American Family	$1288	$217
USAA	$1363	$229
Farmers	$1961	$330
Allstate	$2310	$389
Nationwide	$4927	$821
Auto-Owners	$2133	$363

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 Paragon Estates are offered by American National P&C at $177. However, it can be as expensive as $1072 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Paragon Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$177	$30
Colorado Farm Bureau	$182	$31
Auto-Owners Insurance Co	$291	$48
State Farm	$873	$147
American Family	$924	$156
USAA	$1226	$208
Progressive	$1414	$238
Allstate	$2310	$393
Nationwide	$3011	$502
Farmers	$3929	$668
Auto-Owners	$1072	$182

Car Insurance Price Trends in Paragon Estates, Colorado

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

The average cost of full coverage in the Paragon Estates rose by $250 in January compared to $226 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Paragon Estates dipped to $46 in January, compared to $56 in December. This represents an decrease of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Paragon Estates?

The car insurance in Paragon Estates is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Paragon Estates?

The cheapest car insurance in Paragon Estates is $59 per month for full coverage.

How much is car insurance in Paragon Estates for teenagers?

Car insurance for teenagers costs $143 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 Paragon Estates?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $197 per month to insure your car in Paragon Estates.

Is car insurance expensive in Paragon Estates?

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

What is the best car insurance in Paragon Estates, CO?

The best car insurance company in Paragon Estates CO is Colorado Farm Bureau, offering $353 for a six-month policy.