Best Cheap Auto Insurance in Chama, CO (2021)

The average Chama, CO auto insurance rates are $304 per month. The minimum auto insurance in Chama is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Chama, 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 cheapest auto insurance company in Chama is GEICO
  • Average auto insurance rates in Chama, CO for senior drivers are $2,165 per year
  • The minimum auto insurance required in Chama, Colorado is 25/50/15

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

Compare auto insurance in Chama to other Colorado cities, including Fort Collins auto insurance rates, Lakewood auto insurance rates, and Colorado Springs auto insurance rates to see how Chama, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Chama, Colorado

Chama, 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 Chama, Colorado.

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

Auto insurance rates in Chama, 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 Chama, 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 $3,141 $2,952 $2,815 $2,846 $10,448 $10,948 $3,491 $3,527
American Family $2,345 $2,345 $2,115 $2,115 $5,676 $7,600 $2,345 $2,877
Farmers $3,150 $3,127 $2,854 $3,063 $11,634 $11,750 $3,460 $3,511
GEICO $1,596 $1,740 $1,657 $1,854 $4,950 $5,273 $1,469 $1,513
Liberty Mutual $1,969 $1,949 $1,667 $1,826 $5,289 $5,756 $1,985 $2,021
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,636 $2,474 $2,276 $2,276 $8,663 $9,692 $2,975 $2,899
State Farm $1,928 $1,928 $1,720 $1,720 $5,412 $6,871 $2,152 $2,549
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Chama, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chama, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,448 $10,948
American Family $5,676 $7,600
Farmers $11,634 $11,750
GEICO $4,950 $5,273
Liberty Mutual $5,289 $5,756
Nationwide $5,513 $7,064
Progressive $8,663 $9,692
State Farm $5,412 $6,871
USAA $5,325 $6,108

Cheap Chama, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chama, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,815 $2,846
American Family $2,115 $2,115
Farmers $2,854 $3,063
GEICO $1,657 $1,854
Liberty Mutual $1,667 $1,826
Nationwide $1,977 $2,093
Progressive $2,276 $2,276
State Farm $1,720 $1,720
USAA $2,042 $2,056

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

Annual Chama, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,309 $4,931 $5,987 $4,858
American Family $2,534 $3,607 $4,697 $2,872
Farmers $4,503 $5,769 $5,685 $5,318
GEICO $1,784 $2,745 $3,166 $2,331
Liberty Mutual $2,443 $2,874 $3,008 $2,906
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,674 $5,098 $3,879 $4,294
State Farm $2,803 $3,267 $3,035 $3,035
USAA $2,344 $2,849 $4,987 $2,642

Cheap Chama, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chama, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,987
American Family $4,697
Farmers $5,685
GEICO $3,166
Liberty Mutual $3,008
Nationwide $4,398
Progressive $3,879
State Farm $3,035
USAA $4,987

Cheap Chama, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Chama, Colorado

Insurance Company Poor Fair Good
Allstate $6,409 $4,927 $3,727
American Family $4,458 $3,168 $2,657
Farmers $6,170 $5,016 $4,770
GEICO $3,008 $2,506 $2,005
Liberty Mutual $4,033 $2,441 $1,949
Nationwide $3,990 $3,154 $2,751
Progressive $4,839 $4,110 $3,760
State Farm $4,217 $2,707 $2,181
USAA $4,757 $2,700 $2,160

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Cheap Chama, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chama, Colorado

ZIP Code Average Annual Rates
81126 $3,367

Cheap Chama, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chama, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,021 $5,021
American Family $3,354 $3,500
Farmers $5,319 $5,319
GEICO $2,454 $2,559
Liberty Mutual $2,808 $2,808
Nationwide $3,298 $3,298
Progressive $4,236 $4,236
State Farm $2,961 $3,109
USAA $3,115 $3,296

Cheap Chama, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chama, Colorado

Insurance Company Low Medium High
Allstate $4,755 $5,004 $5,305
American Family $3,258 $3,499 $3,526
Farmers $4,719 $5,251 $5,986
GEICO $2,316 $2,473 $2,731
Liberty Mutual $2,664 $2,797 $2,963
Nationwide $3,323 $3,295 $3,276
Progressive $3,923 $4,248 $4,539
State Farm $2,854 $3,036 $3,215
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Chama, Colorado

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

Best Annual Auto Insurance Rates by Company in Chama, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

The Cheapest Chama, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chama, Colorado

Insurance Company Average Annual Rates
Allstate $5,021
American Family $3,427
Farmers $5,319
GEICO $2,507
Liberty Mutual $2,808
Nationwide $3,298
Progressive $4,236
State Farm $3,035
USAA $3,206

Compare Chama, Colorado Auto Insurance Quotes

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