Cheapest Car Insurance Quotes in Colorado City

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Colorado City Car Insurance

^$ 40

/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 Colorado City

The car insurance rate in Colorado City is $974 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Colorado City 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 Colorado City

$974

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Colorado City

1st place: Texas Farm Bureau

At $618 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $735 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $757 for six months, making it the third cheapest auto insurance company in Colorado City.

Colorado City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colorado City, TX is Texas Farm Bureau, offering policies at just $618 for a six-month term. This is followed by Mercury, which has an average six-month premium of $735.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1056 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colorado City drivers find the best deals.

Cheap Car Insurance Companies in Colorado City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$618	$104
Mercury	$735	$125
State Farm	$757	$127
AAA Texas	$768	$130
USAA	$845	$142
Redpoint Insurance	$906	$154
Progressive	$1044	$176
Southern County Mutual	$1199	$204
Allstate	$1426	$240
Farmers	$2281	$388
Redpoint County Mutual	$889	$152
Geico County Mutual	$994	$169
Germania	$398	$66
AAA	$696	$116
National General	$1056	$176

Key Takeaways

Way's key takeaways about car insurance in Colorado City

The auto insurance costs in Colorado City fall around $618 for six months.
The cheapest auto insurance company in Colorado City is Texas Farm Bureau.
Teen drivers pay the highest rate in Colorado City at $68 per month.

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Cheapest Minimum Liability Car Insurance in Colorado City

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 Colorado City are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Colorado City. Their Average 6 Month Premium is $237. Germania is the most expensive at $398 for the same period.

Cheapest Liability Coverage in Colorado City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$237	$40
USAA	$265	$45
Progressive	$276	$47
State Farm	$282	$47
Redpoint Insurance	$310	$51
Mercury	$359	$60
AAA Texas	$398	$66
Allstate	$547	$92
Farmers	$900	$150
Redpoint County Mutual	$299	$49
Geico County Mutual	$310	$53
National General	$342	$57
Germania	$398	$68

Cheapest Full Coverage Car Insurance in Colorado City

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 Colorado City is Texas Farm Bureau at $104 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colorado City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$618	$104
Mercury	$735	$125
State Farm	$757	$127
AAA Texas	$768	$130
USAA	$845	$142
Redpoint Insurance	$906	$154
Progressive	$1044	$176
Southern County Mutual	$1199	$204
Allstate	$1426	$240
Farmers	$2281	$388
Redpoint County Mutual	$889	$152
Geico County Mutual	$994	$169
Germania	$398	$66
AAA	$696	$116
National General	$1056	$176

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Average Car Insurance in Colorado City 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 Colorado City, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Colorado City, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Colorado City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Colorado City

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
30s	Texas Farm Bureau	$650
40s	Nationwide	$645
50s	Texas Farm Bureau	$576
60s	Texas Farm Bureau	$532
70s	Texas Farm Bureau	$571

Cheapest Car Insurance Rates for Teen Drivers in Colorado City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Colorado City at $52 per month. At $409 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$315	$52
Southern County Mutual	$409	$70
Mercury	$442	$73
AAA Texas	$503	$86
Texas Farm Bureau	$1099	$185
USAA	$1199	$202
State Farm	$1243	$209
Allstate	$3121	$525
Progressive	$5325	$897
Farmers	$7447	$1266
Redpoint County Mutual	$304	$52
Geico County Mutual	$409	$68

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Colorado City.

As young drivers face the highest rates in Colorado City, Texas Farm Bureau offers the cheapest auto insurance rates at $650 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 Colorado City, Mercury is the cheapest car insurance provider. At $481 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 Colorado City is State Farm, offering rates of around $4171 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$481	$82
Foremost	$575	$96
AAA Texas	$613	$104
Dairyland	$712	$119
Allstate	$934	$159
USAA	$956	$159
Texas Farm Bureau	$1077	$183
Progressive	$1492	$251
Farmers	$3779	$643
State Farm	$4171	$695

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Colorado City.

Car Insurance Rates with An Accident in Colorado City

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 Colorado City, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Colorado City

The cheapest car insurance companies after an at-fault accident in Colorado City include Redpoint Insurance and Southern County Mutual, offering $315 and $381, respectively. National General is an expensive provider with an average six-month premium of $536.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$315	$52
Southern County Mutual	$381	$65
State Farm	$586	$99
AAA Texas	$591	$100
Mercury	$718	$120
USAA	$878	$148
Texas Farm Bureau	$972	$164
Progressive	$1806	$304
Allstate	$2033	$342
Farmers	$6270	$1066
Redpoint County Mutual	$304	$50
Geico County Mutual	$381	$65
National General	$536	$91

Colorado City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colorado City TX. For example, the car insurance in Colorado City after a DUI increases to $729 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Colorado City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1193	$199
One Med/PIP claim	$1204	$205
One comp claim	$1265	$211
Not-at-fault accident	$1276	$217
Two Med/PIP claims	$1282	$214
Failure to show documents	$1326	$225
Driving with expired registration	$1336	$223
Two comp claims	$1348	$229
Cell phone violation	$1359	$227
Driving without lights	$1359	$231
Texting while driving	$1359	$227
Driving too slowly	$1364	$232
Speeding 11 - 15 MPH over limit	$1364	$228
Speeding 16 - 20 MPH over limit	$1364	$232
Speeding 6 - 10 MPH over limit	$1364	$228
Speeding in school zone	$1364	$232
Child safety restraint	$1370	$229
Failure to wear a seat belt	$1370	$233
In 65 MPH zone	$1375	$230
Failure to stop at a red light	$1381	$235
Failure to yield	$1381	$231
Following too closely	$1381	$235
Illegal turn	$1381	$231
Improper passing	$1381	$235
Speeding 21 - 25 MPH over limit	$1381	$231
Passing school bus	$1387	$236
Wrong way/wrong lane	$1387	$231
Operating a vehicle without permission	$1392	$237
At-fault accident - less than $1000	$1447	$241
Open container	$1629	$277
Driving with a suspended license	$1691	$282
Racing	$1790	$304
Reckless driving	$1790	$299
Leaving scene of an accident/hit and run	$1834	$312
At-fault accident - $1000-$2000	$1840	$307
Refusal to submit to a chemical test	$1894	$322
DUI	$1922	$321
At-fault accident - greater than $2000	$2000	$340

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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 Colorado City 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 Colorado City.

The cheapest car insurance premiums in Colorado City are offered by Mercury at $475 for a six-month policy. However, it can be as expensive as $2878 with companies like Farmers.

Colorado City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$475	$79
Foremost	$536	$91
Dairyland	$586	$98
AAA Texas	$618	$105
State Farm	$774	$130
Texas Farm Bureau	$917	$156
Progressive	$1160	$195
USAA	$1188	$200
Allstate	$1514	$255
Nationwide	$1563	$266
Farmers	$2878	$480

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 Colorado City are offered by State Farm at $431. However, it can be as expensive as $3132 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Colorado City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$431	$73
Texas Farm Bureau	$475	$81
Mercury	$492	$82
AAA Texas	$525	$89
USAA	$691	$115
Allstate	$934	$159
Progressive	$1608	$268
Farmers	$3132	$533

Car Insurance Price Trends in Colorado City, Texas

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

The average cost of full coverage in the Colorado City remained steady at $193 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Colorado City rose to $60 in December, compared to $58 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Colorado City?

The car insurance in Colorado City is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Colorado City?

The cheapest car insurance in Colorado City is $104 per month for full coverage.

How much is car insurance in Colorado City for teenagers?

Car insurance for teenagers costs $315 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 Colorado City?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $165 per month to insure your car in Colorado City.

Is car insurance expensive in Colorado City?

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

Cheapest Car Insurance Quotes in Colorado City

Why you can trust Way?

How Much Is Car Insurance in Colorado City

Avg. Car Insurance in Colorado City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Colorado City

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Colorado City Car Insurance Rates by Company

Cheap Car Insurance Companies in Colorado City, TX

Way's key takeaways about car insurance in Colorado City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colorado City

Cheapest Liability Coverage in Colorado City, TX

Cheapest Full Coverage Car Insurance in Colorado City

Cheapest Full Coverage Car Insurance Quotes in Colorado City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colorado City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Colorado City, TX increasing?

Car Insurance Premiums by Age in Colorado City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colorado City,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Colorado City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Colorado City

Cheapest Car Insurance Companies after an At-Fault Accident in Colorado City

Colorado City Car Insurance Rates by Violation

Colorado City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colorado City after a DUI

Colorado City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colorado City after Speeding ticket

Car Insurance Price Trends in Colorado City, Texas

Average Car Insurance Cost in Colorado City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colorado City, TX

Car Insurance Rates by State in the USA (2025 Update)

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