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Finding the cheapest car insurance quotes in Roggen 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 Roggen
The car insurance rate in Roggen is $1228 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Roggen 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 $372 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 $408 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 $612
for six months, making it
the third cheapest auto insurance company in Roggen.
Roggen Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Roggen, CO is Colorado Farm Bureau, offering policies at just $372 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $408.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1488 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roggen drivers find the best deals.
The auto insurance costs in Roggen fall around $372 for six
months.
The cheapest auto insurance company in Roggen is Colorado Farm Bureau.
Teen drivers pay the highest rate in Roggen at $604 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Roggen
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 Roggen are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Roggen. Their Average 6 Month Premium is $144.
California Casualty is the most
expensive at $210 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 Roggen is Colorado Farm Bureau
at $62 per month and $372
for six months.
Cheapest Full Coverage Car Insurance Quotes in Roggen,
CO
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 Roggen, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Roggen, 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, Roggen's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Roggen
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
Roggen,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Roggen at $25
per
month. At $3551 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 Roggen.
As young drivers face the highest rates in Roggen, 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 Roggen,
Colorado Farm Bureau is
the cheapest car insurance provider. At $282 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
Roggen is AutoOwners, offering
rates of around $3288 for six
months.
Save up to $971/yr on car insurance rates in Roggen.
Car Insurance Rates with An Accident in Roggen
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 Roggen, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Roggen
The cheapest car insurance companies after an at-fault accident in
Roggen include Colorado Farm Bureau
and American National, offering $180
and $210,
respectively. AutoOwners is an expensive provider
with an average six-month premium of
$1806.
Here is a list of driving violations that can increase your car
insurance rates in Roggen CO. For example, the car
insurance in Roggen
after a DUI increases to $1068 for a six
month policy. While the rate increases by $312 for a six-month policy in the case of
a speeding ticket.
Roggen auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1338
$223
One Med/PIP claim
$1344
$228
Not-at-fault accident
$1368
$228
One comp claim
$1374
$233
Two Med/PIP claims
$1374
$229
Two comp claims
$1428
$242
Failure to wear a seat belt
$1494
$249
Failure to show documents
$1506
$257
Child safety restraint
$1524
$254
Driving without lights
$1524
$260
Driving with expired registration
$1584
$264
Texting while driving
$1602
$273
At-fault accident - less than $1000
$1614
$269
Cell phone violation
$1620
$276
Failure to yield
$1620
$270
Following too closely
$1620
$276
Illegal turn
$1620
$270
Failure to stop at a red light
$1626
$277
Driving too slowly
$1632
$272
Improper passing
$1638
$279
Wrong way/wrong lane
$1644
$274
Speeding 6 - 10 MPH over limit
$1650
$281
Speeding 11 - 15 MPH over limit
$1655
$276
Speeding 16 - 20 MPH over limit
$1655
$282
Speeding in school zone
$1661
$277
Passing school bus
$1692
$288
In 65 MPH zone
$1800
$300
Operating a vehicle without permission
$1806
$307
Speeding 21 - 25 MPH over limit
$1830
$305
Open container
$1878
$319
At-fault accident - $1000-$2000
$1974
$329
At-fault accident - greater than $2000
$2016
$342
Driving with a suspended license
$2112
$351
Reckless driving
$2328
$396
Refusal to submit to a chemical test
$2351
$392
Racing
$2376
$404
DUI
$2406
$401
Leaving scene of an accident/hit and run
$2496
$424
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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 Roggen 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 Roggen.
The cheapest car insurance premiums in
Roggen are
offered by Colorado Farm Bureau at $210 for a six-month policy.
However, it can be as
expensive as $2244 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 Roggen are offered by American National P&C
at $186. However,
it can be as expensive as $1128
with companies like AutoOwners for a similar
six-month premium.
Cheapest Car Insurance in Roggen after Speeding ticket
Car insurance rates in Roggen have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Roggen rose by
$263 in January
compared to $237 of December. In other words, there has been an increase by $26 when you
compare January and December.
The average cost of liability insurance in the Roggen dipped to $48 in January,
compared to $59 in December.
This represents an decrease of $11
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
Roggen. At $2456 for a
six-month policy, insuring
your car at 80652 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 Roggen?
The car insurance in Roggen is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Roggen?
The cheapest car insurance in Roggen
is $62 per month
for full coverage.
How much is car insurance in Roggen for teenagers?
Car insurance for teenagers costs $150 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
Roggen?
The average cost of car insurance is $1216 for a six-month
policy. It will cost around $207 per month to insure your
car in Roggen.
Is car insurance expensive in Roggen?
Car insurance can be expensive in Roggen if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Roggen can be
affordable.
What is the best car insurance in Roggen,
CO?
The best car insurance company in Roggen
CO is
Colorado Farm Bureau, offering $372 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Roggen, CO
Car Insurance Rates by State in the USA (2025 Update)
Roggen Car Insurance
