Cheapest Car Insurance Quotes in Red Feather Lakes

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Red Feather Lakes 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 Red Feather Lakes

The car insurance rate in Red Feather Lakes is $1044 for a six-month policy, which is $43 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 Red Feather Lakes 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 Red Feather Lakes

$1044

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Red Feather Lakes

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 Red Feather Lakes.

Red Feather Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Feather Lakes, 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, Farm Bureau is the most expensive, with rates reaching $1643 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Feather Lakes drivers find the best deals.

Cheap Car Insurance Companies in Red Feather Lakes, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$60
American National P&C	$388	$64
Auto-Owners Insurance Co	$582	$99
Acuity	$633	$106
Colorado Farm Bureau Mutual	$764	$130
American Family	$924	$156
American National	$958	$163
State Farm	$1044	$176
USAA	$1061	$179
Farmers	$1226	$204
Progressive	$1329	$224
Allstate	$1648	$277
Nationwide	$2081	$354
Auto-Owners	$1032	$172
Farm Bureau	$1643	$279

Key Takeaways

Way's key takeaways about car insurance in Red Feather Lakes

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

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Cheapest Minimum Liability Car Insurance in Red Feather Lakes

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 Red Feather Lakes are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Red Feather Lakes. Their Average 6 Month Premium is $137. AutoOwners is the most expensive at $382 for the same period.

Cheapest Liability Coverage in Red Feather Lakes, 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	$211	$36
USAA	$234	$39
Auto-Owners Insurance Co	$268	$45
Farm Bureau	$274	$46
Acuity	$291	$49
State Farm	$308	$52
Progressive	$320	$54
American Family	$331	$56
Farmers	$394	$67
Allstate	$605	$102
Nationwide	$633	$108
Auto-Owners	$382	$63

Cheapest Full Coverage Car Insurance in Red Feather Lakes

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 Red Feather Lakes is Colorado Farm Bureau at $60 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Feather Lakes, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$353	$60
American National P&C	$388	$64
Auto-Owners Insurance Co	$582	$99
Acuity	$633	$106
Colorado Farm Bureau Mutual	$764	$130
American Family	$924	$156
American National	$958	$163
State Farm	$1044	$176
USAA	$1061	$179
Farmers	$1226	$204
Progressive	$1329	$224
Allstate	$1648	$277
Nationwide	$2081	$354
Auto-Owners	$1032	$172
Farm Bureau	$1643	$279

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Average Car Insurance in Red Feather Lakes 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 Red Feather Lakes, CO increasing?

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

Car Insurance Premiums by Age in Red Feather Lakes

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 Red Feather Lakes,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Red Feather Lakes 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	$62
USAA	$1323	$223
American Family	$2058	$347
State Farm	$2099	$353
Progressive	$2498	$420
Allstate	$4203	$701
Nationwide	$6643	$1130
Colorado Farm Bureau Mutual	$1306	$222
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 Red Feather Lakes, 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 Red Feather Lakes 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	$70
Farmers	$485	$81
American Family	$1334	$225
Progressive	$1767	$298
USAA	$1979	$336
Nationwide	$3159	$526
Allstate	$3507	$596
State Farm	$6102	$1017
Auto-Owners	$3125	$531

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Car Insurance Rates with An Accident in Red Feather Lakes

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 Red Feather Lakes, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Red Feather Lakes

The cheapest car insurance companies after an at-fault accident in Red Feather Lakes 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
State Farm	$741	$125
USAA	$850	$143
American Family	$1129	$190
Progressive	$1579	$266
Allstate	$3239	$551
Nationwide	$3650	$609
Colorado Farm Bureau Mutual	$896	$153
Farmers	$3142	$529
Auto-Owners	$1716	$286

Red Feather Lakes Car Insurance Rates by Violation

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

Red Feather Lakes 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 Red Feather Lakes 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 Red Feather Lakes.

The cheapest car insurance premiums in Red Feather Lakes 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.

Red Feather Lakes 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
Farmers	$473	$81
Progressive	$958	$161
State Farm	$1158	$195
USAA	$1232	$207
American Family	$1306	$220
Allstate	$2777	$463
Nationwide	$4927	$838
Colorado Farm Bureau Mutual	$912	$156
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 Red Feather Lakes 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 Red Feather Lakes 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	$1420	$239
Allstate	$2310	$393
Nationwide	$3011	$502
Farmers	$3929	$668
Auto-Owners	$1072	$182

Car Insurance Price Trends in Red Feather Lakes, Colorado

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

The average cost of full coverage in the Red Feather Lakes dipped by $215 in March compared to $250 of February. In other words, there has been an decrease by $35 when you compare March and February.

The average cost of liability insurance in the Red Feather Lakes rose to $52 in March, compared to $46 in February. This represents an increase of $6 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Red Feather Lakes?

The car insurance in Red Feather Lakes is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Red Feather Lakes?

The cheapest car insurance in Red Feather Lakes is $60 per month for full coverage.

How much is car insurance in Red Feather Lakes 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 Red Feather Lakes?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $176 per month to insure your car in Red Feather Lakes.

Is car insurance expensive in Red Feather Lakes?

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

What is the best car insurance in Red Feather Lakes, CO?

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