Best Cheap Auto Insurance in Carbondale, CO (2021)

The average Carbondale, CO auto insurance rates are $318 per month. The minimum auto insurance in Carbondale is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Carbondale, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Carbondale, Colorado is 25/50/15
  • The average commute length in Carbondale is 31.1 minutes
  • Average auto insurance rates in Carbondale, CO for senior drivers are $2,236 per year

Carbondale, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Carbondale can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Carbondale, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Carbondale to other Colorado cities, including Denver auto insurance rates, Lakewood auto insurance rates, and Aurora auto insurance rates to see how Carbondale, Colorado auto insurance rates stack up.

Before you buy Carbondale, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Carbondale, Colorado auto insurance quotes.

Minimum Auto Insurance in Carbondale, Colorado

Carbondale, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Carbondale, Colorado.

Minimum Required Auto Insurance Coverage in Carbondale, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Carbondale, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Carbondale, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carbondale, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,544 $3,314 $3,164 $3,201 $12,208 $12,820 $3,936 $3,982
American Family $2,565 $2,565 $2,316 $2,316 $6,230 $8,345 $2,565 $3,159
Farmers $2,807 $2,782 $2,549 $2,741 $10,322 $10,374 $3,096 $3,149
GEICO $1,558 $1,710 $1,629 $1,833 $4,914 $5,247 $1,431 $1,474
Liberty Mutual $2,088 $2,092 $1,748 $1,916 $5,965 $6,523 $2,121 $2,182
Nationwide $2,313 $2,360 $2,066 $2,188 $5,843 $7,486 $2,658 $2,874
Progressive $2,463 $2,294 $2,119 $2,113 $8,590 $9,628 $2,796 $2,722
State Farm $2,143 $2,143 $1,916 $1,916 $6,182 $7,800 $2,399 $2,870
USAA $2,373 $2,383 $2,245 $2,262 $5,906 $6,780 $3,061 $3,347

Cheap Carbondale, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Carbondale, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Carbondale, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Carbondale, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,208 $12,820
American Family $6,230 $8,345
Farmers $10,322 $10,374
GEICO $4,914 $5,247
Liberty Mutual $5,965 $6,523
Nationwide $5,843 $7,486
Progressive $8,590 $9,628
State Farm $6,182 $7,800
USAA $5,906 $6,780

Cheap Carbondale, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Carbondale, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Carbondale, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,164 $3,201
American Family $2,316 $2,316
Farmers $2,549 $2,741
GEICO $1,629 $1,833
Liberty Mutual $1,748 $1,916
Nationwide $2,066 $2,188
Progressive $2,119 $2,113
State Farm $1,916 $1,916
USAA $2,245 $2,262

Cheap Carbondale, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Carbondale, Colorado compared to the annual auto insurance rates with a clean record in Carbondale, Colorado.

Annual Carbondale, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,916 $5,649 $6,943 $5,578
American Family $2,779 $3,940 $5,160 $3,151
Farmers $3,990 $5,121 $5,058 $4,742
GEICO $1,752 $2,702 $3,163 $2,281
Liberty Mutual $2,685 $3,150 $3,297 $3,185
Nationwide $2,669 $3,650 $4,637 $2,939
Progressive $3,550 $4,929 $3,746 $4,137
State Farm $3,148 $3,695 $3,421 $3,421
USAA $2,583 $3,145 $5,536 $2,915

Cheap Carbondale, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Carbondale, Colorado is not easy. Compare the annual rates for DUI auto insurance in Carbondale, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Carbondale, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,943
American Family $5,160
Farmers $5,058
GEICO $3,163
Liberty Mutual $3,297
Nationwide $4,637
Progressive $3,746
State Farm $3,421
USAA $5,536

Cheap Carbondale, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Carbondale, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Carbondale, Colorado

Insurance Company Poor Fair Good
Allstate $7,359 $5,670 $4,285
American Family $4,893 $3,473 $2,906
Farmers $5,506 $4,449 $4,227
GEICO $2,969 $2,475 $1,980
Liberty Mutual $4,423 $2,679 $2,136
Nationwide $4,201 $3,324 $2,896
Progressive $4,633 $3,973 $3,666
State Farm $4,758 $3,050 $2,455
USAA $5,269 $2,982 $2,383

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Cheap Carbondale, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Carbondale, Colorado auto insurance. Find the cheapest annual Carbondale, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Carbondale, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,771 $5,771
American Family $3,678 $3,837
Farmers $4,728 $4,728
GEICO $2,426 $2,523
Liberty Mutual $3,079 $3,079
Nationwide $3,474 $3,474
Progressive $4,091 $4,091
State Farm $3,341 $3,502
USAA $3,443 $3,646

Cheap Carbondale, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Carbondale, Colorado? Check out the comparison of annual Carbondale, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Carbondale, Colorado

Insurance Company Low Medium High
Allstate $5,540 $5,756 $6,018
American Family $3,605 $3,834 $3,832
Farmers $4,187 $4,665 $5,331
GEICO $2,288 $2,443 $2,693
Liberty Mutual $2,947 $3,072 $3,220
Nationwide $3,517 $3,472 $3,432
Progressive $3,873 $4,102 $4,297
State Farm $3,239 $3,422 $3,602
USAA $3,409 $3,544 $3,680

Best By Category: Cheapest Auto Insurance in Carbondale, Colorado

Compare the cheapest auto insurance companies in Carbondale, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Carbondale, Colorado

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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The Cheapest Carbondale, Colorado Auto Insurance Companies

What auto insurance companies in Carbondale, Colorado are the cheapest? Compare the top Carbondale, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Carbondale, Colorado

Insurance Company Average Annual Rates
Allstate $5,771
American Family $3,757
Farmers $4,728
GEICO $2,475
Liberty Mutual $3,079
Nationwide $3,474
Progressive $4,091
State Farm $3,421
USAA $3,545

What affects auto insurance rates in Carbondale, Colorado?

There are a lot of reasons why auto insurance rates in Carbondale, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Carbondale, Colorado. Many local factors may affect your Carbondale auto insurance rates.

Carbondale Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Carbondale, Colorado commute length is 31.1 minutes according to City-Data.

Compare Carbondale, Colorado Auto Insurance Quotes

Before you buy Carbondale, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Carbondale, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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