Best Cheap Auto Insurance in Fort Garland, CO (2021)

The average Fort Garland, CO auto insurance rates are $303 per month. The minimum auto insurance in Fort Garland is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Fort Garland, 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 minimum auto insurance required in Fort Garland, Colorado is 25/50/15
  • The most expensive auto insurance company in Fort Garland for teen drivers is Farmers
  • The average commute length in Fort Garland is 16.5 minutes

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

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

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

Minimum Auto Insurance in Fort Garland, Colorado

Fort Garland, 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 Fort Garland, Colorado.

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

Auto insurance rates in Fort Garland, 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 Fort Garland, 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 $3,123 $2,934 $2,797 $2,828 $10,430 $10,930 $3,473 $3,509
American Family $2,424 $2,424 $2,188 $2,188 $5,878 $7,883 $2,424 $2,977
Farmers $3,084 $3,056 $2,793 $3,004 $11,542 $11,638 $3,392 $3,437
GEICO $1,891 $2,049 $1,966 $2,195 $5,741 $6,088 $1,736 $1,779
Liberty Mutual $1,966 $1,944 $1,663 $1,822 $5,304 $5,777 $1,984 $2,021
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,317 $2,171 $2,010 $2,006 $7,714 $8,629 $2,612 $2,545
State Farm $1,893 $1,893 $1,691 $1,691 $5,333 $6,769 $2,114 $2,503
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Fort Garland, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fort Garland, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,430 $10,930
American Family $5,878 $7,883
Farmers $11,542 $11,638
GEICO $5,741 $6,088
Liberty Mutual $5,304 $5,777
Nationwide $5,513 $7,064
Progressive $7,714 $8,629
State Farm $5,333 $6,769
USAA $5,325 $6,108

Cheap Fort Garland, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fort Garland, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,797 $2,828
American Family $2,188 $2,188
Farmers $2,793 $3,004
GEICO $1,966 $2,195
Liberty Mutual $1,663 $1,822
Nationwide $1,977 $2,093
Progressive $2,010 $2,006
State Farm $1,691 $1,691
USAA $2,042 $2,056

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

Annual Fort Garland, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,291 $4,913 $5,968 $4,839
American Family $2,623 $3,729 $4,868 $2,974
Farmers $4,431 $5,690 $5,610 $5,242
GEICO $2,092 $3,217 $3,664 $2,749
Liberty Mutual $2,445 $2,876 $3,011 $2,908
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,256 $4,517 $3,435 $3,795
State Farm $2,756 $3,216 $2,986 $2,986
USAA $2,344 $2,849 $4,987 $2,642

Cheap Fort Garland, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Garland, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,968
American Family $4,868
Farmers $5,610
GEICO $3,664
Liberty Mutual $3,011
Nationwide $4,398
Progressive $3,435
State Farm $2,986
USAA $4,987

Cheap Fort Garland, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fort Garland, Colorado

Insurance Company Poor Fair Good
Allstate $6,382 $4,911 $3,716
American Family $4,613 $3,282 $2,750
Farmers $6,083 $4,946 $4,701
GEICO $3,522 $2,931 $2,339
Liberty Mutual $4,036 $2,443 $1,951
Nationwide $3,990 $3,154 $2,751
Progressive $4,272 $3,640 $3,340
State Farm $4,148 $2,664 $2,146
USAA $4,757 $2,700 $2,160

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Cheap Fort Garland, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fort Garland, Colorado

ZIP Code Average Annual Rates
81133 $3,356

Cheap Fort Garland, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Garland, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,003 $5,003
American Family $3,472 $3,624
Farmers $5,243 $5,243
GEICO $2,865 $2,996
Liberty Mutual $2,810 $2,810
Nationwide $3,298 $3,298
Progressive $3,751 $3,751
State Farm $2,913 $3,059
USAA $3,115 $3,296

Cheap Fort Garland, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fort Garland, Colorado

Insurance Company Low Medium High
Allstate $4,743 $4,986 $5,280
American Family $3,381 $3,622 $3,642
Farmers $4,639 $5,175 $5,915
GEICO $2,673 $2,881 $3,238
Liberty Mutual $2,667 $2,800 $2,964
Nationwide $3,323 $3,295 $3,276
Progressive $3,481 $3,761 $4,010
State Farm $2,804 $2,987 $3,167
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Fort Garland, Colorado

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

Best Annual Auto Insurance Rates by Company in Fort Garland, Colorado

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

The Cheapest Fort Garland, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fort Garland, Colorado

Insurance Company Average Annual Rates
Allstate $5,003
American Family $3,548
Farmers $5,243
GEICO $2,931
Liberty Mutual $2,810
Nationwide $3,298
Progressive $3,751
State Farm $2,986
USAA $3,206

What affects auto insurance rates in Fort Garland, Colorado?

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

Fort Garland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Garland, Colorado commute length is 16.5 minutes according to City-Data.

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Compare Fort Garland, Colorado Auto Insurance Quotes

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