Cheapest Car Insurance Quotes in Steamboat Springs

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Steamboat Springs Car Insurance

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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 Steamboat Springs

The car insurance rate in Steamboat Springs is $1055 for a six-month policy, which is $92 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Steamboat Springs 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 Steamboat Springs

$1055

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Steamboat Springs

1st place: Colorado Farm Bureau

At $339 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 $372 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 $558 for six months, making it the third cheapest auto insurance company in Steamboat Springs.

Steamboat Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Steamboat Springs, CO is Colorado Farm Bureau, offering policies at just $339 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $372.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1355 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Steamboat Springs drivers find the best deals.

Cheap Car Insurance Companies in Steamboat Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$710	$121
American Family	$891	$150
American National	$918	$156
Auto-Owners	$989	$165
USAA	$1017	$171
State Farm	$1065	$179
Progressive	$1126	$190
Allstate	$1574	$265
Farm Bureau	$1574	$268
Nationwide	$1836	$306
Farmers	$1967	$331
California Casualty	$1355	$226

Key Takeaways

Way's key takeaways about car insurance in Steamboat Springs

The auto insurance costs in Steamboat Springs fall around $339 for six months.
The cheapest auto insurance company in Steamboat Springs is Colorado Farm Bureau.
Teen drivers pay the highest rate in Steamboat Springs at $1244 per month.

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Cheapest Minimum Liability Car Insurance in Steamboat Springs

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 Steamboat Springs are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Steamboat Springs. Their Average 6 Month Premium is $132. California Casualty is the most expensive at $191 for the same period.

Cheapest Liability Coverage in Steamboat Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$132	$22
American National P&C	$142	$24
American National	$169	$29
Colorado Farm Bureau Mutual	$197	$33
USAA	$224	$38
Auto-Owners Insurance Co	$257	$43
Farm Bureau	$262	$44
Progressive	$273	$46
Acuity	$279	$47
State Farm	$306	$52
American Family	$312	$52
Auto-Owners	$366	$63
Allstate	$601	$101
Nationwide	$606	$103
Farmers	$612	$103
California Casualty	$191	$32

Cheapest Full Coverage Car Insurance in Steamboat Springs

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 Steamboat Springs is Colorado Farm Bureau at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steamboat Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$710	$121
American Family	$891	$150
American National	$918	$156
Auto-Owners	$989	$165
USAA	$1017	$171
State Farm	$1065	$179
Progressive	$1126	$190
Allstate	$1574	$265
Farm Bureau	$1574	$268
Nationwide	$1836	$306
Farmers	$1967	$331
California Casualty	$1355	$226

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Average Car Insurance in Steamboat Springs 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 Steamboat Springs, CO increasing?

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

Car Insurance Premiums by Age in Steamboat Springs

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
20s	USAA	$784
30s	USAA	$575
40s	USAA	$496
50s	USAA	$501
60s	USAA	$511
70s	USAA	$598

Cheapest Car Insurance Rates for Teen Drivers in Steamboat Springs,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Steamboat Springs at $23 per month. At $7389 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$137	$23
American National P&C	$169	$29
California Casualty	$191	$32
Colorado Farm Bureau	$240	$40
Auto-Owners Insurance Co	$350	$58
Colorado Farm Bureau Mutual	$1251	$213
USAA	$1476	$248
American Family	$1831	$308
State Farm	$2410	$406
Progressive	$2995	$504
Auto-Owners	$3235	$539
Allstate	$3279	$552
Nationwide	$5891	$982
Farmers	$7389	$1244

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Steamboat Springs.

As young drivers face the highest rates in Steamboat Springs, USAA offers the cheapest auto insurance rates at $784 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 Steamboat Springs, Colorado Farm Bureau is the cheapest car insurance provider. At $257 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 Steamboat Springs is State Farm, offering rates of around $3541 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$257	$43
Acuity	$394	$65
American Family	$1169	$197
Progressive	$1208	$203
USAA	$1694	$288
Farmers	$2147	$362
Allstate	$2749	$467
Nationwide	$2792	$466
Auto-Owners	$2995	$509
State Farm	$3541	$591

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Car Insurance Rates with An Accident in Steamboat Springs

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 Steamboat Springs, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Steamboat Springs

The cheapest car insurance companies after an at-fault accident in Steamboat Springs include Colorado Farm Bureau and American National, offering $164 and $191, respectively. Nationwide is an expensive provider with an average six-month premium of $3203.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$164	$28
American National	$191	$32
American National P&C	$202	$34
Farm Bureau	$257	$43
California Casualty	$372	$62
State Farm	$836	$141
Colorado Farm Bureau Mutual	$858	$143
USAA	$858	$144
American Family	$1076	$181
Progressive	$1503	$253
Auto-Owners	$1645	$274
Allstate	$2273	$383
Farmers	$2705	$455
Nationwide	$3203	$545

Steamboat Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Steamboat Springs CO. For example, the car insurance in Steamboat Springs after a DUI increases to $972 for a six month policy. While the rate increases by $284 for a six-month policy in the case of a speeding ticket.

Steamboat Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1219	$203
One Med/PIP claim	$1225	$208
Not-at-fault accident	$1246	$208
One comp claim	$1251	$213
Two Med/PIP claims	$1251	$209
Two comp claims	$1301	$221
Failure to wear a seat belt	$1361	$227
Failure to show documents	$1372	$234
Child safety restraint	$1388	$231
Driving without lights	$1388	$236
Driving with expired registration	$1443	$240
Texting while driving	$1459	$248
At-fault accident - less than $1000	$1470	$245
Cell phone violation	$1476	$251
Failure to yield	$1476	$246
Following too closely	$1476	$251
Illegal turn	$1476	$246
Failure to stop at a red light	$1481	$252
Driving too slowly	$1487	$247
Improper passing	$1492	$254
Wrong way/wrong lane	$1498	$249
Speeding 6 - 10 MPH over limit	$1503	$256
Speeding 11 - 15 MPH over limit	$1508	$251
Speeding 16 - 20 MPH over limit	$1508	$257
Speeding in school zone	$1513	$252
Passing school bus	$1541	$262
In 65 MPH zone	$1639	$273
Operating a vehicle without permission	$1645	$280
Speeding 21 - 25 MPH over limit	$1667	$278
Open container	$1710	$291
At-fault accident - $1000-$2000	$1798	$300
At-fault accident - greater than $2000	$1836	$312
Driving with a suspended license	$1924	$320
Reckless driving	$2121	$361
Refusal to submit to a chemical test	$2142	$357
Racing	$2164	$368
DUI	$2191	$365
Leaving scene of an accident/hit and run	$2273	$386

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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 Steamboat Springs 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 Steamboat Springs.

The cheapest car insurance premiums in Steamboat Springs are offered by Colorado Farm Bureau at $191 for a six-month policy. However, it can be as expensive as $4312 with companies like Nationwide.

Steamboat Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$191	$32
American National	$202	$34
American National P&C	$229	$39
Farm Bureau	$301	$52
Colorado Farm Bureau Mutual	$874	$145
Progressive	$929	$156
State Farm	$946	$159
American Family	$1158	$195
USAA	$1230	$207
Farmers	$1684	$283
Allstate	$1961	$330
Auto-Owners	$2044	$348
Nationwide	$4312	$719

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 Steamboat Springs are offered by American National P&C at $169. However, it can be as expensive as $3158 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Steamboat Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$169	$29
Colorado Farm Bureau	$175	$29
Auto-Owners Insurance Co	$279	$48
State Farm	$623	$105
American Family	$809	$136
Auto-Owners	$1028	$171
USAA	$1044	$178
Progressive	$1071	$180
Allstate	$1803	$306
Nationwide	$2645	$441
Farmers	$3158	$537

Car Insurance Price Trends in Steamboat Springs, Colorado

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

The average cost of full coverage in the Steamboat Springs rose by $216 in December compared to $212 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Steamboat Springs rose to $53 in December, compared to $48 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Steamboat Springs?

The car insurance in Steamboat Springs is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Steamboat Springs?

The cheapest car insurance in Steamboat Springs is $58 per month for full coverage.

How much is car insurance in Steamboat Springs for teenagers?

Car insurance for teenagers costs $137 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 Steamboat Springs?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $178 per month to insure your car in Steamboat Springs.

Is car insurance expensive in Steamboat Springs?

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

What is the best car insurance in Steamboat Springs, CO?

The best car insurance company in Steamboat Springs CO is Colorado Farm Bureau, offering $339 for a six-month policy.