Cheapest Car Insurance Quotes in Todd Creek

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Todd Creek Car Insurance

^$ 25

/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 Todd Creek

The car insurance rate in Todd Creek is $1181 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Todd Creek 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 Todd Creek

$1181

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Todd Creek

1st place: Colorado Farm Bureau

At $379 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 $416 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 $624 for six months, making it the third cheapest auto insurance company in Todd Creek.

Todd Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Todd Creek, CO is Colorado Farm Bureau, offering policies at just $379 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $416.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1517 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Todd Creek drivers find the best deals.

Cheap Car Insurance Companies in Todd Creek, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$379	$65
American National P&C	$416	$69
Auto-Owners Insurance Co	$624	$106
Acuity	$679	$113
Colorado Farm Bureau Mutual	$795	$135
American Family	$997	$168
American National	$1028	$175
Auto-Owners	$1107	$184
USAA	$1138	$192
State Farm	$1193	$201
Progressive	$1261	$212
Allstate	$1762	$297
Farm Bureau	$1762	$300
Nationwide	$2056	$343
Farmers	$2202	$371
California Casualty	$1517	$253

Key Takeaways

Way's key takeaways about car insurance in Todd Creek

The auto insurance costs in Todd Creek fall around $379 for six months.
The cheapest auto insurance company in Todd Creek is Colorado Farm Bureau.
Teen drivers pay the highest rate in Todd Creek at $1393 per month.

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Cheapest Minimum Liability Car Insurance in Todd Creek

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 Todd Creek are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Todd Creek. Their Average 6 Month Premium is $147. California Casualty is the most expensive at $214 for the same period.

Cheapest Liability Coverage in Todd Creek, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$147	$25
American National P&C	$159	$27
American National	$190	$32
Colorado Farm Bureau Mutual	$220	$37
USAA	$251	$42
Auto-Owners Insurance Co	$287	$48
Farm Bureau	$294	$49
Progressive	$306	$52
Acuity	$312	$53
State Farm	$343	$58
American Family	$349	$59
Auto-Owners	$410	$70
Allstate	$673	$113
Nationwide	$679	$115
Farmers	$685	$115
California Casualty	$214	$36

Cheapest Full Coverage Car Insurance in Todd Creek

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 Todd Creek is Colorado Farm Bureau at $65 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Todd Creek, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$379	$65
American National P&C	$416	$69
Auto-Owners Insurance Co	$624	$106
Acuity	$679	$113
Colorado Farm Bureau Mutual	$795	$135
American Family	$997	$168
American National	$1028	$175
Auto-Owners	$1107	$184
USAA	$1138	$192
State Farm	$1193	$201
Progressive	$1261	$212
Allstate	$1762	$297
Farm Bureau	$1762	$300
Nationwide	$2056	$343
Farmers	$2202	$371
California Casualty	$1517	$253

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Average Car Insurance in Todd Creek 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 Todd Creek, CO increasing?

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

Car Insurance Premiums by Age in Todd Creek

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	$878
30s	USAA	$644
40s	USAA	$555
50s	USAA	$561
60s	USAA	$572
70s	USAA	$670

Cheapest Car Insurance Rates for Teen Drivers in Todd Creek,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Todd Creek at $26 per month. At $8272 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$153	$26
American National P&C	$190	$32
California Casualty	$214	$36
Colorado Farm Bureau	$269	$45
Auto-Owners Insurance Co	$391	$65
Colorado Farm Bureau Mutual	$1401	$238
USAA	$1652	$278
American Family	$2050	$345
State Farm	$2699	$454
Progressive	$3353	$564
Auto-Owners	$3621	$604
Allstate	$3671	$618
Nationwide	$6595	$1099
Farmers	$8272	$1393

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 Todd Creek.

As young drivers face the highest rates in Todd Creek, USAA offers the cheapest auto insurance rates at $878 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 Todd Creek, Colorado Farm Bureau is the cheapest car insurance provider. At $287 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 Todd Creek is State Farm, offering rates of around $3964 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$48
Acuity	$441	$73
American Family	$1309	$220
Progressive	$1352	$228
USAA	$1896	$322
Farmers	$2404	$405
Allstate	$3078	$523
Nationwide	$3126	$521
Auto-Owners	$3353	$570
State Farm	$3964	$661

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Car Insurance Rates with An Accident in Todd Creek

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 Todd Creek, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Todd Creek

The cheapest car insurance companies after an at-fault accident in Todd Creek include Colorado Farm Bureau and American National, offering $183 and $214, respectively. Nationwide is an expensive provider with an average six-month premium of $3585.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$183	$31
American National	$214	$36
American National P&C	$227	$38
Farm Bureau	$287	$48
California Casualty	$416	$69
State Farm	$936	$158
Colorado Farm Bureau Mutual	$961	$160
USAA	$961	$162
American Family	$1205	$203
Progressive	$1683	$283
Auto-Owners	$1842	$307
Allstate	$2545	$428
Farmers	$3028	$510
Nationwide	$3585	$610

Todd Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Todd Creek CO. For example, the car insurance in Todd Creek after a DUI increases to $1088 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Todd Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1365	$228
One Med/PIP claim	$1371	$233
Not-at-fault accident	$1395	$233
One comp claim	$1401	$238
Two Med/PIP claims	$1401	$234
Two comp claims	$1456	$247
Failure to wear a seat belt	$1523	$254
Failure to show documents	$1536	$262
Child safety restraint	$1554	$259
Driving without lights	$1554	$265
Driving with expired registration	$1615	$269
Texting while driving	$1634	$278
At-fault accident - less than $1000	$1646	$274
Cell phone violation	$1652	$281
Failure to yield	$1652	$275
Following too closely	$1652	$281
Illegal turn	$1652	$275
Failure to stop at a red light	$1658	$282
Driving too slowly	$1664	$277
Improper passing	$1671	$284
Wrong way/wrong lane	$1677	$279
Speeding 6 - 10 MPH over limit	$1683	$286
Speeding 11 - 15 MPH over limit	$1688	$281
Speeding 16 - 20 MPH over limit	$1688	$287
Speeding in school zone	$1694	$282
Passing school bus	$1725	$294
In 65 MPH zone	$1835	$306
Operating a vehicle without permission	$1842	$313
Speeding 21 - 25 MPH over limit	$1866	$311
Open container	$1915	$325
At-fault accident - $1000-$2000	$2013	$336
At-fault accident - greater than $2000	$2056	$349
Driving with a suspended license	$2154	$358
Reckless driving	$2374	$404
Refusal to submit to a chemical test	$2398	$400
Racing	$2423	$412
DUI	$2453	$409
Leaving scene of an accident/hit and run	$2545	$433

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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 Todd Creek 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 Todd Creek.

The cheapest car insurance premiums in Todd Creek are offered by Colorado Farm Bureau at $214 for a six-month policy. However, it can be as expensive as $4828 with companies like Nationwide.

Todd Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$214	$36
American National	$227	$38
American National P&C	$256	$43
Farm Bureau	$337	$58
Colorado Farm Bureau Mutual	$979	$163
Progressive	$1040	$175
State Farm	$1059	$178
American Family	$1297	$218
USAA	$1377	$232
Farmers	$1885	$317
Allstate	$2196	$370
Auto-Owners	$2289	$389
Nationwide	$4828	$804

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 Todd Creek are offered by American National P&C at $190. However, it can be as expensive as $3536 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Todd Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$190	$32
Colorado Farm Bureau	$196	$33
Auto-Owners Insurance Co	$312	$54
State Farm	$697	$117
American Family	$905	$152
Auto-Owners	$1151	$192
USAA	$1169	$199
Progressive	$1199	$202
Allstate	$2019	$343
Nationwide	$2961	$493
Farmers	$3536	$602

Car Insurance Price Trends in Todd Creek, Colorado

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

The average cost of full coverage in the Todd Creek rose by $242 in December compared to $237 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Todd Creek rose to $60 in December, compared to $54 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Todd Creek?

The car insurance in Todd Creek is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Todd Creek?

The cheapest car insurance in Todd Creek is $65 per month for full coverage.

How much is car insurance in Todd Creek for teenagers?

Car insurance for teenagers costs $153 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 Todd Creek?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $199 per month to insure your car in Todd Creek.

Is car insurance expensive in Todd Creek?

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

What is the best car insurance in Todd Creek, CO?

The best car insurance company in Todd Creek CO is Colorado Farm Bureau, offering $379 for a six-month policy.