Cheapest Car Insurance Quotes in Wellington

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401,895 Policies Sold

Wellington Car Insurance

^$ 21

/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 Wellington

The car insurance rate in Wellington is $1021 for a six-month policy, which is $126 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in Wellington 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 Wellington

$1021

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Wellington

1st place: Colorado Farm Bureau

At $328 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 $360 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 $539 for six months, making it the third cheapest auto insurance company in Wellington.

Wellington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wellington, CO is Colorado Farm Bureau, offering policies at just $328 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $360.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1311 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wellington drivers find the best deals.

Cheap Car Insurance Companies in Wellington, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$328	$56
American National P&C	$360	$60
Auto-Owners Insurance Co	$539	$92
Acuity	$587	$98
Colorado Farm Bureau Mutual	$687	$117
American Family	$862	$145
American National	$888	$151
Auto-Owners	$957	$159
USAA	$983	$166
State Farm	$1031	$174
Progressive	$1089	$183
Allstate	$1523	$256
Nationwide	$1776	$302
Farmers	$1903	$320
Farm Bureau	$1523	$259
California Casualty	$1311	$219

Key Takeaways

Way's key takeaways about car insurance in Wellington

The auto insurance costs in Wellington fall around $328 for six months.
The cheapest auto insurance company in Wellington is Colorado Farm Bureau.
Teen drivers pay the highest rate in Wellington at $1203 per month.

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Cheapest Minimum Liability Car Insurance in Wellington

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 Wellington are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Wellington. Their Average 6 Month Premium is $127. California Casualty is the most expensive at $185 for the same period.

Cheapest Liability Coverage in Wellington, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$127	$21
American National P&C	$137	$23
American National	$164	$28
Colorado Farm Bureau Mutual	$190	$32
USAA	$217	$36
Auto-Owners Insurance Co	$248	$42
Farm Bureau	$254	$43
Progressive	$264	$45
Acuity	$270	$45
State Farm	$296	$50
American Family	$302	$51
Auto-Owners	$354	$59
Allstate	$581	$98
Nationwide	$587	$98
Farmers	$592	$100
California Casualty	$185	$31

Cheapest Full Coverage Car Insurance in Wellington

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 Wellington is Colorado Farm Bureau at $56 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wellington, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$328	$56
American National P&C	$360	$60
Auto-Owners Insurance Co	$539	$92
Acuity	$587	$98
Colorado Farm Bureau Mutual	$687	$117
American Family	$862	$145
American National	$888	$151
Auto-Owners	$957	$159
USAA	$983	$166
State Farm	$1031	$174
Progressive	$1089	$183
Allstate	$1523	$256
Nationwide	$1776	$302
Farmers	$1903	$320
Farm Bureau	$1523	$259
California Casualty	$1311	$219

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Average Car Insurance in Wellington 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 Wellington, CO increasing?

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

Car Insurance Premiums by Age in Wellington

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	$758
30s	USAA	$556
40s	USAA	$480
50s	USAA	$485
60s	USAA	$494
70s	USAA	$579

Cheapest Car Insurance Rates for Teen Drivers in Wellington,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Wellington at $22 per month. At $7148 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$133	$22
American National P&C	$164	$28
California Casualty	$185	$31
Colorado Farm Bureau	$232	$39
Auto-Owners Insurance Co	$338	$58
Colorado Farm Bureau Mutual	$1210	$202
USAA	$1428	$240
American Family	$1771	$298
State Farm	$2332	$392
Progressive	$2897	$488
Auto-Owners	$3129	$532
Allstate	$3172	$534
Nationwide	$5699	$969
Farmers	$7148	$1203

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 Wellington.

As young drivers face the highest rates in Wellington, USAA offers the cheapest auto insurance rates at $758 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 Wellington, Colorado Farm Bureau is the cheapest car insurance provider. At $248 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 Wellington is State Farm, offering rates of around $3426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$248	$42
Acuity	$381	$63
American Family	$1131	$190
Progressive	$1169	$197
USAA	$1638	$279
Farmers	$2077	$350
Allstate	$2659	$452
Nationwide	$2701	$450
Auto-Owners	$2897	$492
State Farm	$3426	$571

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Car Insurance Rates with An Accident in Wellington

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wellington

The cheapest car insurance companies after an at-fault accident in Wellington include Colorado Farm Bureau and American National, offering $158 and $185, respectively. Nationwide is an expensive provider with an average six-month premium of $3098.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$158	$27
American National	$185	$31
American National P&C	$196	$33
Farm Bureau	$248	$42
California Casualty	$360	$60
State Farm	$809	$136
Colorado Farm Bureau Mutual	$830	$138
USAA	$830	$140
American Family	$1041	$175
Progressive	$1454	$245
Auto-Owners	$1591	$265
Allstate	$2199	$370
Farmers	$2617	$441
Nationwide	$3098	$527

Wellington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wellington CO. For example, the car insurance in Wellington after a DUI increases to $941 for a six month policy. While the rate increases by $275 for a six-month policy in the case of a speeding ticket.

Wellington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1179	$197
One Med/PIP claim	$1185	$201
Not-at-fault accident	$1205	$201
One comp claim	$1210	$206
Two Med/PIP claims	$1210	$202
Two comp claims	$1258	$214
Failure to wear a seat belt	$1316	$220
Failure to show documents	$1327	$226
Child safety restraint	$1343	$223
Driving without lights	$1343	$229
Driving with expired registration	$1396	$232
Texting while driving	$1412	$240
At-fault accident - less than $1000	$1422	$237
Cell phone violation	$1428	$243
Failure to yield	$1428	$238
Following too closely	$1428	$243
Illegal turn	$1428	$238
Failure to stop at a red light	$1433	$244
Driving too slowly	$1438	$239
Improper passing	$1444	$246
Wrong way/wrong lane	$1449	$241
Speeding 6 - 10 MPH over limit	$1454	$247
Speeding 11 - 15 MPH over limit	$1459	$243
Speeding 16 - 20 MPH over limit	$1459	$248
Speeding in school zone	$1464	$244
Passing school bus	$1491	$254
In 65 MPH zone	$1586	$264
Operating a vehicle without permission	$1591	$271
Speeding 21 - 25 MPH over limit	$1613	$269
Open container	$1655	$281
At-fault accident - $1000-$2000	$1739	$290
At-fault accident - greater than $2000	$1776	$302
Driving with a suspended license	$1861	$310
Reckless driving	$2051	$349
Refusal to submit to a chemical test	$2072	$345
Racing	$2093	$356
DUI	$2120	$353
Leaving scene of an accident/hit and run	$2199	$374

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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 Wellington 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 Wellington.

The cheapest car insurance premiums in Wellington are offered by Colorado Farm Bureau at $185 for a six-month policy. However, it can be as expensive as $4171 with companies like Nationwide.

Wellington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$185	$31
American National	$196	$33
American National P&C	$222	$37
Farm Bureau	$291	$50
Colorado Farm Bureau Mutual	$846	$141
Progressive	$899	$151
State Farm	$915	$154
American Family	$1121	$189
USAA	$1190	$200
Farmers	$1629	$274
Allstate	$1897	$320
Auto-Owners	$1978	$336
Nationwide	$4171	$695

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 Wellington are offered by American National P&C at $164. However, it can be as expensive as $3055 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wellington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$164	$28
Colorado Farm Bureau	$169	$28
Auto-Owners Insurance Co	$270	$45
State Farm	$603	$101
American Family	$782	$132
Auto-Owners	$994	$169
USAA	$1010	$168
Progressive	$1036	$174
Allstate	$1744	$291
Nationwide	$2559	$435
Farmers	$3055	$509

Car Insurance Price Trends in Wellington, Colorado

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

The average cost of full coverage in the Wellington remained steady at $209 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Wellington remained steady at $52 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Wellington?

The car insurance in Wellington is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Wellington?

The cheapest car insurance in Wellington is $56 per month for full coverage.

How much is car insurance in Wellington for teenagers?

Car insurance for teenagers costs $133 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 Wellington?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $172 per month to insure your car in Wellington.

Is car insurance expensive in Wellington?

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

What is the best car insurance in Wellington, CO?

The best car insurance company in Wellington CO is Colorado Farm Bureau, offering $328 for a six-month policy.