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Yampa Car Insurance
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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.
The car insurance rate in Yampa is $1000 for a six-month policy, which is $87 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 Yampa 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 $339 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.
American National P&C offers auto insurance rates at $372 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $558 for six months, making it the third cheapest auto insurance company in Yampa.
Based on our research, the cheapest car insurance company in Yampa, 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, Farm Bureau is the most expensive, with rates reaching $1574 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Yampa drivers find the best deals.
| 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 | $732 | $124 |
| American Family | $885 | $149 |
| American National | $918 | $156 |
| State Farm | $1000 | $168 |
| USAA | $1017 | $171 |
| Farmers | $1175 | $196 |
| Progressive | $1273 | $214 |
| Allstate | $1580 | $266 |
| Nationwide | $1995 | $339 |
| Auto-Owners | $989 | $165 |
| Farm Bureau | $1574 | $268 |
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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 Yampa are given below.
Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Yampa. Their Average 6 Month Premium is $132. AutoOwners is the most expensive at $366 for the same period.
| 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 | $202 | $34 |
| USAA | $224 | $38 |
| Auto-Owners Insurance Co | $257 | $43 |
| Farm Bureau | $262 | $44 |
| Acuity | $279 | $47 |
| State Farm | $295 | $50 |
| Progressive | $306 | $52 |
| American Family | $317 | $53 |
| Farmers | $377 | $64 |
| Allstate | $580 | $98 |
| Nationwide | $606 | $103 |
| Auto-Owners | $366 | $61 |
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 Yampa is Colorado Farm Bureau at $58 per month and $339 for six months.
| 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 | $732 | $124 |
| American Family | $885 | $149 |
| American National | $918 | $156 |
| State Farm | $1000 | $168 |
| USAA | $1017 | $171 |
| Farmers | $1175 | $196 |
| Progressive | $1273 | $214 |
| Allstate | $1580 | $266 |
| Nationwide | $1995 | $339 |
| Auto-Owners | $989 | $165 |
| Farm Bureau | $1574 | $268 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Yampa, 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, Yampa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Yampa at $23 per month. At $3235 for a six-month premium, AutoOwners 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 | $60 |
| USAA | $1268 | $213 |
| American Family | $1972 | $332 |
| State Farm | $2011 | $339 |
| Progressive | $2394 | $403 |
| Allstate | $4028 | $672 |
| Nationwide | $6366 | $1083 |
| Colorado Farm Bureau Mutual | $1251 | $213 |
| Farmers | $8071 | $1359 |
| Auto-Owners | $3235 | $550 |
Teen Car Insurance Rates in CO by Age
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.
For those with poor credit scores in Yampa, 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 Yampa is AutoOwners, offering rates of around $2995 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $257 | $43 |
| Acuity | $394 | $67 |
| Farmers | $465 | $77 |
| American Family | $1279 | $215 |
| Progressive | $1694 | $285 |
| USAA | $1896 | $322 |
| Nationwide | $3028 | $504 |
| Allstate | $3361 | $571 |
| State Farm | $5848 | $974 |
| Auto-Owners | $2995 | $509 |
Save up to $971/yr on car insurance rates in Yampa.
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 Yampa, CO, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Yampa include Colorado Farm Bureau and American National, offering $164 and $191, respectively. AutoOwners is an expensive provider with an average six-month premium of $1645.
| 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 | $710 | $120 |
| USAA | $814 | $137 |
| American Family | $1082 | $182 |
| Progressive | $1513 | $255 |
| Allstate | $3104 | $528 |
| Nationwide | $3498 | $583 |
| Colorado Farm Bureau Mutual | $858 | $146 |
| Farmers | $3011 | $507 |
| Auto-Owners | $1645 | $274 |
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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.
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 Yampa.
The cheapest car insurance premiums in Yampa are offered by Colorado Farm Bureau at $191 for a six-month policy. However, it can be as expensive as $2044 with companies like AutoOwners.
| 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 | $50 |
| Farmers | $454 | $77 |
| Progressive | $918 | $155 |
| State Farm | $1110 | $187 |
| USAA | $1180 | $199 |
| American Family | $1251 | $211 |
| Allstate | $2662 | $443 |
| Nationwide | $4721 | $803 |
| Colorado Farm Bureau Mutual | $874 | $149 |
| Auto-Owners | $2044 | $348 |
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 Yampa are offered by American National P&C at $169. However, it can be as expensive as $1028 with companies like AutoOwners for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $169 | $29 |
| Colorado Farm Bureau | $175 | $29 |
| Auto-Owners Insurance Co | $279 | $46 |
| State Farm | $836 | $141 |
| American Family | $885 | $149 |
| USAA | $1175 | $200 |
| Progressive | $1361 | $229 |
| Allstate | $2214 | $376 |
| Nationwide | $2885 | $481 |
| Farmers | $3766 | $640 |
| Auto-Owners | $1028 | $175 |
Car insurance rates in Yampa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Yampa dipped by $206 in March compared to $239 of February. In other words, there has been an decrease by $33 when you compare March and February.
The average cost of liability insurance in the Yampa rose to $50 in March, compared to $44 in February. This represents an increase of $6 when comparing March and February.
How much is car insurance in Yampa?
The car insurance in Yampa is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Yampa?
The cheapest car insurance in Yampa is $58 per month for full coverage.
How much is car insurance in Yampa 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 Yampa?
The average cost of car insurance is $1087 for a six-month policy. It will cost around $168 per month to insure your car in Yampa.
Is car insurance expensive in Yampa?
Car insurance can be expensive in Yampa if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Yampa can be affordable.
What is the best car insurance in Yampa, CO?
The best car insurance company in Yampa CO is Colorado Farm Bureau, offering $339 for a six-month policy.
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