Best Cheap Auto Insurance in Estes Park, CO (2021)

The average Estes Park, CO auto insurance rates are $292 per month. The minimum auto insurance in Estes Park is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Estes Park, 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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Estes Park is Liberty Mutual
  • The average commute length in Estes Park is 19.1 minutes
  • Average auto insurance rates in Estes Park, CO for senior drivers are $2,067 per year

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

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

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

Minimum Auto Insurance in Estes Park, Colorado

Estes Park, 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 Estes Park, Colorado.

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

Auto insurance rates in Estes Park, 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 Estes Park, 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 $2,630 $2,460 $2,386 $2,408 $9,113 $9,595 $2,868 $2,874
American Family $2,404 $2,404 $2,169 $2,169 $5,813 $7,796 $2,404 $2,945
Farmers $2,653 $2,620 $2,404 $2,597 $10,037 $10,076 $2,909 $2,926
GEICO $1,798 $1,968 $1,916 $2,183 $5,686 $6,005 $1,645 $1,666
Liberty Mutual $1,678 $1,630 $1,424 $1,568 $5,366 $5,864 $1,700 $1,717
Nationwide $2,352 $2,393 $2,104 $2,222 $5,982 $7,647 $2,709 $2,924
Progressive $2,427 $2,268 $2,123 $2,114 $8,371 $9,353 $2,734 $2,656
State Farm $2,037 $2,037 $1,827 $1,827 $5,899 $7,453 $2,281 $2,719
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

Cheap Estes Park, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Estes Park, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,113 $9,595
American Family $5,813 $7,796
Farmers $10,037 $10,076
GEICO $5,686 $6,005
Liberty Mutual $5,366 $5,864
Nationwide $5,982 $7,647
Progressive $8,371 $9,353
State Farm $5,899 $7,453
USAA $4,952 $5,658

Cheap Estes Park, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Estes Park, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,386 $2,408
American Family $2,169 $2,169
Farmers $2,404 $2,597
GEICO $1,916 $2,183
Liberty Mutual $1,424 $1,568
Nationwide $2,104 $2,222
Progressive $2,123 $2,114
State Farm $1,827 $1,827
USAA $1,883 $1,880

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

Annual Estes Park, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $4,207 $5,155 $4,147
American Family $2,599 $3,693 $4,815 $2,945
Farmers $3,823 $4,920 $4,852 $4,517
GEICO $2,009 $3,142 $3,667 $2,615
Liberty Mutual $2,304 $2,689 $2,778 $2,702
Nationwide $2,726 $3,721 $4,720 $2,999
Progressive $3,466 $4,862 $3,657 $4,037
State Farm $2,997 $3,522 $3,260 $3,260
USAA $2,153 $2,627 $4,570 $2,423

Cheap Estes Park, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Estes Park, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,155
American Family $4,815
Farmers $4,852
GEICO $3,667
Liberty Mutual $2,778
Nationwide $4,720
Progressive $3,657
State Farm $3,260
USAA $4,570

Cheap Estes Park, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Estes Park, Colorado

Insurance Company Poor Fair Good
Allstate $5,461 $4,219 $3,195
American Family $4,563 $3,249 $2,727
Farmers $5,252 $4,273 $4,059
GEICO $3,435 $2,858 $2,282
Liberty Mutual $3,726 $2,299 $1,830
Nationwide $4,278 $3,392 $2,955
Progressive $4,551 $3,891 $3,576
State Farm $4,532 $2,907 $2,341
USAA $4,339 $2,489 $2,000

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Cheap Estes Park, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Estes Park, Colorado

ZIP Code Average Annual Rates
80517 $3,240

Cheap Estes Park, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Estes Park, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,292 $4,292
American Family $3,438 $3,588
Farmers $4,528 $4,528
GEICO $2,800 $2,916
Liberty Mutual $2,618 $2,618
Nationwide $3,542 $3,542
Progressive $4,006 $4,006
State Farm $3,181 $3,338
USAA $2,861 $3,026

Cheap Estes Park, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Estes Park, Colorado

Insurance Company Low Medium High
Allstate $4,049 $4,276 $4,550
American Family $3,332 $3,586 $3,621
Farmers $3,990 $4,469 $5,125
GEICO $2,563 $2,807 $3,205
Liberty Mutual $2,468 $2,610 $2,776
Nationwide $3,554 $3,544 $3,527
Progressive $3,690 $4,019 $4,309
State Farm $3,066 $3,262 $3,451
USAA $2,802 $2,943 $3,085

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Best By Category: Cheapest Auto Insurance in Estes Park, Colorado

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

Best Annual Auto Insurance Rates by Company in Estes Park, Colorado

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

The Cheapest Estes Park, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Estes Park, Colorado

Insurance Company Average Annual Rates
Allstate $4,292
American Family $3,513
Farmers $4,528
GEICO $2,858
Liberty Mutual $2,618
Nationwide $3,542
Progressive $4,006
State Farm $3,260
USAA $2,943

What affects auto insurance rates in Estes Park, Colorado?

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

Estes Park Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Estes Park, Colorado commute length is 19.1 minutes according to City-Data.

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Compare Estes Park, Colorado Auto Insurance Quotes

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