Best Cheap Auto Insurance in Durango, CO (2021)

The average Durango, CO auto insurance rates are $308 per month. The minimum auto insurance in Durango is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Durango, Colorado, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Durango is 15.6 minutes
  • The most expensive auto insurance company in Durango for teen drivers is Allstate
  • The minimum auto insurance required in Durango, Colorado is 25/50/15

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

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

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

Minimum Auto Insurance in Durango, Colorado

Durango, 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 Durango, Colorado.

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

Auto insurance rates in Durango, 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 Durango, 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 $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,815 $2,792 $2,552 $2,745 $10,444 $10,521 $3,096 $3,141
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $2,018 $1,991 $1,707 $1,873 $5,616 $6,124 $2,037 $2,071
Nationwide $2,261 $2,310 $2,019 $2,144 $5,547 $7,138 $2,582 $2,798
Progressive $2,506 $2,348 $2,147 $2,149 $8,240 $9,226 $2,836 $2,766
State Farm $1,912 $1,912 $1,705 $1,705 $5,344 $6,789 $2,134 $2,526
USAA $2,277 $2,292 $2,153 $2,182 $5,513 $6,341 $2,936 $3,222

Cheap Durango, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Durango, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,867 $7,848
Farmers $10,444 $10,521
GEICO $5,555 $5,909
Liberty Mutual $5,616 $6,124
Nationwide $5,547 $7,138
Progressive $8,240 $9,226
State Farm $5,344 $6,789
USAA $5,513 $6,341

Cheap Durango, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Durango, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,184 $2,184
Farmers $2,552 $2,745
GEICO $1,866 $2,072
Liberty Mutual $1,707 $1,873
Nationwide $2,019 $2,144
Progressive $2,147 $2,149
State Farm $1,705 $1,705
USAA $2,153 $2,182

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

Annual Durango, 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 $2,619 $3,721 $4,854 $2,969
Farmers $4,026 $5,165 $5,096 $4,767
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,553 $3,002 $3,135 $3,029
Nationwide $2,567 $3,521 $4,482 $2,830
Progressive $3,501 $4,822 $3,695 $4,090
State Farm $2,775 $3,231 $3,003 $3,003
USAA $2,475 $2,997 $5,192 $2,794

Cheap Durango, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Durango, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,854
Farmers $5,096
GEICO $3,517
Liberty Mutual $3,135
Nationwide $4,482
Progressive $3,695
State Farm $3,003
USAA $5,192

Cheap Durango, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Durango, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,610 $3,271 $2,742
Farmers $5,537 $4,488 $4,265
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,200 $2,552 $2,037
Nationwide $4,057 $3,198 $2,795
Progressive $4,591 $3,907 $3,583
State Farm $4,172 $2,679 $2,158
USAA $5,000 $2,831 $2,262

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Cheap Durango, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Durango, Colorado

ZIP Code Average Annual Rates
81301 $3,388
81303 $3,400

Cheap Durango, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Durango, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,466 $3,616
Farmers $4,763 $4,763
GEICO $2,763 $2,890
Liberty Mutual $2,930 $2,930
Nationwide $3,350 $3,350
Progressive $4,027 $4,027
State Farm $2,930 $3,076
USAA $3,268 $3,461

Cheap Durango, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Durango, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,372 $3,615 $3,636
Farmers $4,203 $4,699 $5,388
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,775 $2,920 $3,095
Nationwide $3,375 $3,348 $3,326
Progressive $3,785 $4,037 $4,259
State Farm $2,825 $3,004 $3,181
USAA $3,231 $3,364 $3,498

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Best By Category: Cheapest Auto Insurance in Durango, Colorado

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

Best Annual Auto Insurance Rates by Company in Durango, Colorado

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

The Cheapest Durango, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Durango, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,541
Farmers $4,763
GEICO $2,827
Liberty Mutual $2,930
Nationwide $3,350
Progressive $4,027
State Farm $3,003
USAA $3,364

What affects auto insurance rates in Durango, Colorado?

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

Durango Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Durango, Colorado commute length is 15.6 minutes according to City-Data.

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Compare Durango, Colorado Auto Insurance Quotes

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