Cheapest Car Insurance Quotes in Pine Brook Hill

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Pine Brook Hill Car Insurance

^$ 24

/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 Pine Brook Hill

The car insurance rate in Pine Brook Hill is $1204 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Pine Brook Hill 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 Pine Brook Hill

$1204

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Pine Brook Hill

1st place: Colorado Farm Bureau

At $364 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 $400 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 $600 for six months, making it the third cheapest auto insurance company in Pine Brook Hill.

Pine Brook Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Brook Hill, CO is Colorado Farm Bureau, offering policies at just $364 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $400.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1458 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Brook Hill drivers find the best deals.

Cheap Car Insurance Companies in Pine Brook Hill, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$364	$60
American National P&C	$400	$68
Auto-Owners Insurance Co	$600	$100
Acuity	$652	$111
Colorado Farm Bureau Mutual	$764	$128
American National	$988	$168
American Family	$1006	$169
USAA	$1129	$190
State Farm	$1364	$230
Progressive	$1388	$234
Allstate	$1894	$319
Nationwide	$2146	$365
Farmers	$2364	$398
Auto-Owners	$1064	$177
Farm Bureau	$1694	$288
California Casualty	$1458	$244

Key Takeaways

Way's key takeaways about car insurance in Pine Brook Hill

The auto insurance costs in Pine Brook Hill fall around $364 for six months.
The cheapest auto insurance company in Pine Brook Hill is Colorado Farm Bureau.
Teen drivers pay the highest rate in Pine Brook Hill at $592 per month.

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Cheapest Minimum Liability Car Insurance in Pine Brook Hill

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 Pine Brook Hill are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Pine Brook Hill. Their Average 6 Month Premium is $142. California Casualty is the most expensive at $206 for the same period.

Cheapest Liability Coverage in Pine Brook Hill, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$142	$24
American National P&C	$152	$26
American National	$182	$31
Colorado Farm Bureau Mutual	$212	$36
USAA	$252	$43
Progressive	$264	$45
Auto-Owners Insurance Co	$276	$47
Farm Bureau	$282	$48
Acuity	$300	$50
American Family	$318	$53
State Farm	$324	$54
Farmers	$500	$83
Allstate	$558	$95
Auto-Owners	$394	$65
Nationwide	$652	$109
California Casualty	$206	$35

Cheapest Full Coverage Car Insurance in Pine Brook Hill

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 Pine Brook Hill is Colorado Farm Bureau at $60 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Brook Hill, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$364	$60
American National P&C	$400	$68
Auto-Owners Insurance Co	$600	$100
Acuity	$652	$111
Colorado Farm Bureau Mutual	$764	$128
American National	$988	$168
American Family	$1006	$169
USAA	$1129	$190
State Farm	$1364	$230
Progressive	$1388	$234
Allstate	$1894	$319
Nationwide	$2146	$365
Farmers	$2364	$398
Auto-Owners	$1064	$177
Farm Bureau	$1694	$288
California Casualty	$1458	$244

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Average Car Insurance in Pine Brook Hill 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 Pine Brook Hill, CO increasing?

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

Car Insurance Premiums by Age in Pine Brook Hill

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 Pine Brook Hill,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Pine Brook Hill at $25 per month. At $3481 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$148	$25
American National P&C	$182	$31
California Casualty	$206	$35
Colorado Farm Bureau	$258	$44
Auto-Owners Insurance Co	$376	$62
Colorado Farm Bureau Mutual	$1346	$229
USAA	$1688	$284
American Family	$2111	$355
State Farm	$2999	$505
Progressive	$3664	$617
Allstate	$3952	$665
Nationwide	$6851	$1165
Farmers	$8685	$1462
Auto-Owners	$3481	$592

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 Pine Brook Hill, Colorado Farm Bureau is the cheapest car insurance provider. At $276 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 Pine Brook Hill is AutoOwners, offering rates of around $3222 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$276	$47
Acuity	$424	$70
American Family	$1376	$232
Progressive	$1823	$307
USAA	$2040	$347
Farmers	$2699	$454
Nationwide	$3258	$554
Allstate	$3616	$603
State Farm	$6292	$1070
Auto-Owners	$3222	$547

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Car Insurance Rates with An Accident in Pine Brook Hill

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 Pine Brook Hill, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Brook Hill

The cheapest car insurance companies after an at-fault accident in Pine Brook Hill include Colorado Farm Bureau and American National, offering $176 and $206, respectively. AutoOwners is an expensive provider with an average six-month premium of $1770.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$176	$30
American National	$206	$35
American National P&C	$218	$37
Farm Bureau	$276	$47
California Casualty	$400	$66
Colorado Farm Bureau Mutual	$924	$157
USAA	$976	$164
State Farm	$1024	$172
American Family	$1235	$208
Progressive	$1834	$309
Allstate	$2770	$466
Farmers	$3240	$545
Nationwide	$3764	$628
Auto-Owners	$1770	$295

Pine Brook Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Brook Hill CO. For example, the car insurance in Pine Brook Hill after a DUI increases to $1046 for a six month policy. While the rate increases by $306 for a six-month policy in the case of a speeding ticket.

Pine Brook Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1312	$219
One Med/PIP claim	$1318	$224
Not-at-fault accident	$1340	$224
One comp claim	$1346	$229
Two Med/PIP claims	$1346	$225
Two comp claims	$1400	$238
Failure to wear a seat belt	$1464	$245
Failure to show documents	$1476	$251
Child safety restraint	$1494	$248
Driving without lights	$1494	$254
Driving with expired registration	$1552	$258
Texting while driving	$1570	$267
At-fault accident - less than $1000	$1582	$263
Cell phone violation	$1588	$270
Failure to yield	$1588	$264
Following too closely	$1588	$270
Illegal turn	$1588	$264
Failure to stop at a red light	$1594	$271
Driving too slowly	$1600	$266
Improper passing	$1606	$273
Wrong way/wrong lane	$1612	$268
Speeding 6 - 10 MPH over limit	$1618	$275
Speeding 11 - 15 MPH over limit	$1623	$270
Speeding 16 - 20 MPH over limit	$1623	$276
Speeding in school zone	$1629	$271
Passing school bus	$1658	$282
In 65 MPH zone	$1764	$294
Operating a vehicle without permission	$1770	$301
Speeding 21 - 25 MPH over limit	$1794	$299
Open container	$1840	$313
At-fault accident - $1000-$2000	$1934	$323
At-fault accident - greater than $2000	$1976	$336
Driving with a suspended license	$2070	$345
Reckless driving	$2282	$388
Refusal to submit to a chemical test	$2305	$384
Racing	$2328	$396
DUI	$2358	$393
Leaving scene of an accident/hit and run	$2446	$416

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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 Pine Brook Hill 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 Pine Brook Hill.

The cheapest car insurance premiums in Pine Brook Hill are offered by Colorado Farm Bureau at $206 for a six-month policy. However, it can be as expensive as $2200 with companies like AutoOwners.

Pine Brook Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$206	$35
American National	$218	$37
American National P&C	$247	$42
Farm Bureau	$324	$53
Colorado Farm Bureau Mutual	$941	$160
Progressive	$1118	$188
State Farm	$1194	$201
American Family	$1329	$224
USAA	$1406	$237
Farmers	$2023	$341
Allstate	$2382	$401
Nationwide	$5081	$846
Auto-Owners	$2200	$374

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 Pine Brook Hill are offered by American National P&C at $182. However, it can be as expensive as $1106 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Pine Brook Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$182	$31
Colorado Farm Bureau	$188	$32
Auto-Owners Insurance Co	$300	$50
State Farm	$900	$151
American Family	$952	$160
USAA	$1264	$215
Progressive	$1458	$246
Allstate	$2382	$405
Nationwide	$3105	$518
Farmers	$4052	$689
Auto-Owners	$1106	$188

Car Insurance Price Trends in Pine Brook Hill, Colorado

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

The average cost of full coverage in the Pine Brook Hill rose by $257 in January compared to $233 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 Pine Brook Hill dipped to $48 in January, compared to $57 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 Pine Brook Hill?

The car insurance in Pine Brook Hill is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Pine Brook Hill?

The cheapest car insurance in Pine Brook Hill is $60 per month for full coverage.

How much is car insurance in Pine Brook Hill for teenagers?

Car insurance for teenagers costs $148 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 Pine Brook Hill?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $203 per month to insure your car in Pine Brook Hill.

Is car insurance expensive in Pine Brook Hill?

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

What is the best car insurance in Pine Brook Hill, CO?

The best car insurance company in Pine Brook Hill CO is Colorado Farm Bureau, offering $364 for a six-month policy.