Best Cheap Auto Insurance in Cortez, CO (2021)

The average Cortez, CO auto insurance rates are $313 per month. The minimum auto insurance in Cortez is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Cortez, 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 Cortez is Liberty Mutual
  • The average commute length in Cortez is 17.7 minutes
  • The most expensive auto insurance company in Cortez for teen drivers is Allstate

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

Compare auto insurance in Cortez to other Colorado cities, including Westminster auto insurance rates, Colorado Springs auto insurance rates, and Centennial auto insurance rates to see how Cortez, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Cortez, Colorado

Cortez, 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 Cortez, Colorado.

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

Auto insurance rates in Cortez, 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 Cortez, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $3,090 $3,046 $2,811 $3,050 $11,504 $11,450 $3,381 $3,388
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $1,884 $1,872 $1,587 $1,738 $5,146 $5,614 $1,906 $1,952
Nationwide $2,342 $2,393 $2,090 $2,217 $5,853 $7,521 $2,684 $2,907
Progressive $2,588 $2,426 $2,211 $2,214 $8,455 $9,476 $2,932 $2,863
State Farm $2,028 $2,028 $1,807 $1,807 $5,675 $7,208 $2,264 $2,683
USAA $2,253 $2,263 $2,138 $2,163 $5,470 $6,294 $2,903 $3,183

Cheap Cortez, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cortez, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $11,504 $11,450
GEICO $5,555 $5,909
Liberty Mutual $5,146 $5,614
Nationwide $5,853 $7,521
Progressive $8,455 $9,476
State Farm $5,675 $7,208
USAA $5,470 $6,294

Cheap Cortez, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cortez, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,811 $3,050
GEICO $1,866 $2,072
Liberty Mutual $1,587 $1,738
Nationwide $2,090 $2,217
Progressive $2,211 $2,214
State Farm $1,807 $1,807
USAA $2,138 $2,163

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

Annual Cortez, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $4,394 $5,663 $5,595 $5,209
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,362 $2,775 $2,906 $2,807
Nationwide $2,683 $3,679 $4,683 $2,958
Progressive $3,605 $4,957 $3,806 $4,215
State Farm $2,945 $3,430 $3,188 $3,188
USAA $2,453 $2,973 $5,139 $2,769

Cheap Cortez, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cortez, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $5,595
GEICO $3,517
Liberty Mutual $2,906
Nationwide $4,683
Progressive $3,806
State Farm $3,188
USAA $5,139

Cheap Cortez, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cortez, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $6,085 $4,905 $4,655
GEICO $3,396 $2,827 $2,257
Liberty Mutual $3,894 $2,359 $1,885
Nationwide $4,239 $3,346 $2,918
Progressive $4,731 $4,021 $3,685
State Farm $4,430 $2,843 $2,289
USAA $4,946 $2,808 $2,247

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Cheap Cortez, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cortez, Colorado

ZIP Code Average Annual Rates
81321 $3,465

Cheap Cortez, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cortez, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $5,215 $5,215
GEICO $2,763 $2,890
Liberty Mutual $2,713 $2,713
Nationwide $3,501 $3,501
Progressive $4,146 $4,146
State Farm $3,110 $3,265
USAA $3,238 $3,428

Cheap Cortez, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cortez, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $4,563 $5,142 $5,940
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,584 $2,704 $2,850
Nationwide $3,554 $3,498 $3,451
Progressive $3,903 $4,155 $4,379
State Farm $3,004 $3,189 $3,370
USAA $3,190 $3,333 $3,477

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Best By Category: Cheapest Auto Insurance in Cortez, Colorado

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

Best Annual Auto Insurance Rates by Company in Cortez, Colorado

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

The Cheapest Cortez, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cortez, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $5,215
GEICO $2,827
Liberty Mutual $2,713
Nationwide $3,501
Progressive $4,146
State Farm $3,188
USAA $3,333

What affects auto insurance rates in Cortez, Colorado?

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

Cortez Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cortez, Colorado commute length is 17.7 minutes according to City-Data.

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Compare Cortez, Colorado Auto Insurance Quotes

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