Best Cheap Auto Insurance in Empire, CO (2021)

The average Empire, CO auto insurance rates are $339 per month. The minimum auto insurance in Empire is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Empire, 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 most expensive auto insurance company in Empire for teen drivers is Allstate
  • Average auto insurance rates in Empire, CO for senior drivers are $2,379 per year
  • The cheapest auto insurance company in Empire is Liberty Mutual

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

Compare auto insurance in Empire to other Colorado cities, including Aurora auto insurance rates, Fort Collins auto insurance rates, and Arvada auto insurance rates to see how Empire, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Empire, Colorado

Empire, 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 Empire, Colorado.

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

Auto insurance rates in Empire, 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 Empire, 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 $3,671 $3,425 $3,290 $3,327 $12,892 $13,512 $4,054 $4,086
American Family $2,736 $2,736 $2,465 $2,465 $6,640 $8,899 $2,736 $3,357
Farmers $3,024 $3,000 $2,738 $2,943 $11,394 $11,502 $3,344 $3,406
GEICO $2,002 $2,196 $2,123 $2,411 $6,280 $6,658 $1,830 $1,866
Liberty Mutual $1,762 $1,700 $1,479 $1,629 $5,581 $6,118 $1,793 $1,835
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,524 $2,353 $2,180 $2,173 $8,765 $9,823 $2,860 $2,784
State Farm $2,529 $2,529 $2,256 $2,256 $7,113 $9,033 $2,825 $3,347
USAA $2,523 $2,525 $2,395 $2,403 $6,387 $7,327 $3,257 $3,553

Cheap Empire, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Empire, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,892 $13,512
American Family $6,640 $8,899
Farmers $11,394 $11,502
GEICO $6,280 $6,658
Liberty Mutual $5,581 $6,118
Nationwide $5,929 $7,587
Progressive $8,765 $9,823
State Farm $7,113 $9,033
USAA $6,387 $7,327

Cheap Empire, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Empire, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,290 $3,327
American Family $2,465 $2,465
Farmers $2,738 $2,943
GEICO $2,123 $2,411
Liberty Mutual $1,479 $1,629
Nationwide $2,085 $2,204
Progressive $2,180 $2,173
State Farm $2,256 $2,256
USAA $2,395 $2,403

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

Annual Empire, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,123 $5,907 $7,274 $5,826
American Family $2,965 $4,189 $5,501 $3,362
Farmers $4,361 $5,603 $5,531 $5,179
GEICO $2,235 $3,472 $4,054 $2,922
Liberty Mutual $2,405 $2,805 $2,909 $2,828
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,626 $5,051 $3,827 $4,227
State Farm $3,681 $4,292 $3,986 $3,986
USAA $2,754 $3,367 $5,954 $3,110

Cheap Empire, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Empire, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,274
American Family $5,501
Farmers $5,531
GEICO $4,054
Liberty Mutual $2,909
Nationwide $4,685
Progressive $3,827
State Farm $3,986
USAA $5,954

Cheap Empire, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Empire, Colorado

Insurance Company Poor Fair Good
Allstate $7,699 $5,926 $4,471
American Family $5,211 $3,700 $3,101
Farmers $6,002 $4,874 $4,631
GEICO $3,813 $3,171 $2,528
Liberty Mutual $3,909 $2,396 $1,906
Nationwide $4,245 $3,363 $2,929
Progressive $4,745 $4,062 $3,742
State Farm $5,541 $3,555 $2,862
USAA $5,636 $3,197 $2,555

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Cheap Empire, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Empire, Colorado

ZIP Code Average Annual Rates
80438 $3,743

Cheap Empire, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Empire, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,032 $6,032
American Family $3,918 $4,090
Farmers $5,169 $5,169
GEICO $3,104 $3,238
Liberty Mutual $2,737 $2,737
Nationwide $3,512 $3,512
Progressive $4,183 $4,183
State Farm $3,889 $4,083
USAA $3,687 $3,905

Cheap Empire, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Empire, Colorado

Insurance Company Low Medium High
Allstate $5,732 $6,014 $6,351
American Family $3,808 $4,086 $4,118
Farmers $4,571 $5,099 $5,837
GEICO $2,850 $3,109 $3,553
Liberty Mutual $2,592 $2,728 $2,891
Nationwide $3,535 $3,511 $3,491
Progressive $3,927 $4,194 $4,427
State Farm $3,751 $3,988 $4,219
USAA $3,643 $3,796 $3,949

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Best By Category: Cheapest Auto Insurance in Empire, Colorado

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

Best Annual Auto Insurance Rates by Company in Empire, 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 Liberty Mutual

The Cheapest Empire, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Empire, Colorado

Insurance Company Average Annual Rates
Allstate $6,032
American Family $4,004
Farmers $5,169
GEICO $3,171
Liberty Mutual $2,737
Nationwide $3,512
Progressive $4,183
State Farm $3,986
USAA $3,796

What affects auto insurance rates in Empire, Colorado?

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

Empire Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Empire, Colorado commute length is 26.7 minutes according to City-Data.

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Compare Empire, Colorado Auto Insurance Quotes

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