Best Cheap Auto Insurance in Central City, CO (2021)

The average Central City, CO auto insurance rates are $334 per month. The minimum auto insurance in Central City is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Central City, 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 average commute length in Central City is 15.7 minutes
  • The most expensive auto insurance company in Central City for teen drivers is Farmers
  • The cheapest auto insurance company in Central City is Liberty Mutual

Central City, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Central City 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 Central City, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Central City to other Colorado cities, including Denver auto insurance rates, Pueblo auto insurance rates, and Lakewood auto insurance rates to see how Central City, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Central City, Colorado

Central City, 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 Central City, Colorado.

Minimum Required Auto Insurance Coverage in Central City, 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 Central City, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Central City, 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 Central City, 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 $3,289 $3,077 $2,966 $2,996 $11,528 $12,139 $3,617 $3,629
American Family $2,806 $2,806 $2,529 $2,529 $6,824 $9,164 $2,806 $3,441
Farmers $3,154 $3,127 $2,852 $3,072 $12,054 $12,176 $3,472 $3,514
GEICO $2,208 $2,439 $2,383 $2,740 $7,065 $7,468 $2,010 $2,034
Liberty Mutual $1,890 $1,864 $1,587 $1,744 $5,828 $6,377 $1,922 $1,969
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,750 $2,560 $2,397 $2,382 $9,788 $10,975 $3,111 $3,024
State Farm $2,226 $2,226 $1,999 $1,999 $6,414 $8,107 $2,492 $2,963
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

Cheap Central City, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Central City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,528 $12,139
American Family $6,824 $9,164
Farmers $12,054 $12,176
GEICO $7,065 $7,468
Liberty Mutual $5,828 $6,377
Nationwide $5,929 $7,587
Progressive $9,788 $10,975
State Farm $6,414 $8,107
USAA $5,128 $5,847

Cheap Central City, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Central City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,966 $2,996
American Family $2,529 $2,529
Farmers $2,852 $3,072
GEICO $2,383 $2,740
Liberty Mutual $1,587 $1,744
Nationwide $2,085 $2,204
Progressive $2,397 $2,382
State Farm $1,999 $1,999
USAA $1,918 $1,904

Cheap Central City, 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 Central City, Colorado compared to the annual auto insurance rates with a clean record in Central City, Colorado.

Annual Central City, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,605 $5,304 $6,491 $5,221
American Family $3,044 $4,299 $5,656 $3,453
Farmers $4,585 $5,894 $5,812 $5,420
GEICO $2,474 $3,880 $4,594 $3,225
Liberty Mutual $2,540 $2,968 $3,086 $2,996
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,994 $5,627 $4,217 $4,656
State Farm $3,269 $3,838 $3,553 $3,553
USAA $2,191 $2,686 $4,693 $2,465

Cheap Central City, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Central City, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,491
American Family $5,656
Farmers $5,812
GEICO $4,594
Liberty Mutual $3,086
Nationwide $4,685
Progressive $4,217
State Farm $3,553
USAA $4,693

Cheap Central City, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Central City, Colorado

Insurance Company Poor Fair Good
Allstate $6,888 $5,316 $4,011
American Family $5,349 $3,803 $3,187
Farmers $6,289 $5,124 $4,870
GEICO $4,265 $3,543 $2,822
Liberty Mutual $4,147 $2,532 $2,014
Nationwide $4,245 $3,363 $2,929
Progressive $5,243 $4,491 $4,136
State Farm $4,935 $3,170 $2,555
USAA $4,426 $2,549 $2,051

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Cheap Central City, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Central City, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Central City, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Central City, Colorado

ZIP Code Average Annual Rates
80427 $3,713

Cheap Central City, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Central City, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,405 $5,405
American Family $4,024 $4,202
Farmers $5,428 $5,428
GEICO $3,471 $3,616
Liberty Mutual $2,898 $2,898
Nationwide $3,512 $3,512
Progressive $4,623 $4,623
State Farm $3,467 $3,639
USAA $2,925 $3,093

Cheap Central City, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Central City, Colorado

Insurance Company Low Medium High
Allstate $5,107 $5,387 $5,721
American Family $3,906 $4,197 $4,237
Farmers $4,772 $5,352 $6,159
GEICO $3,133 $3,465 $4,032
Liberty Mutual $2,759 $2,890 $3,045
Nationwide $3,535 $3,511 $3,491
Progressive $4,287 $4,637 $4,946
State Farm $3,333 $3,554 $3,772
USAA $2,855 $3,009 $3,163

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Best By Category: Cheapest Auto Insurance in Central City, Colorado

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

Best Annual Auto Insurance Rates by Company in Central City, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

The Cheapest Central City, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Central City, Colorado

Insurance Company Average Annual Rates
Allstate $5,405
American Family $4,113
Farmers $5,428
GEICO $3,543
Liberty Mutual $2,898
Nationwide $3,512
Progressive $4,623
State Farm $3,553
USAA $3,009

What affects auto insurance rates in Central City, Colorado?

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

Central City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Central City, Colorado commute length is 15.7 minutes according to City-Data.

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Compare Central City, Colorado Auto Insurance Quotes

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