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

The average Fort Morgan, CO auto insurance rates are $329 per month. The minimum auto insurance in Fort Morgan is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Fort Morgan, 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

  • Average auto insurance rates in Fort Morgan, CO for senior drivers are $2,355 per year
  • The minimum auto insurance required in Fort Morgan, Colorado is 25/50/15
  • The average commute length in Fort Morgan is 16.9 minutes

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

Compare auto insurance in Fort Morgan to other Colorado cities, including Arvada auto insurance rates, Pueblo auto insurance rates, and Westminster auto insurance rates to see how Fort Morgan, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Fort Morgan, Colorado

Fort Morgan, 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 Morgan, Colorado.

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

Auto insurance rates in Fort Morgan, 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 Morgan, 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 $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,239 $3,232 $2,938 $3,140 $11,609 $11,765 $3,554 $3,630
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,603 $1,545 $1,371 $1,507 $4,802 $5,227 $1,616 $1,624
Nationwide $2,847 $2,907 $2,537 $2,693 $7,160 $9,216 $3,269 $3,545
Progressive $2,955 $2,782 $2,507 $2,520 $9,217 $10,307 $3,343 $3,264
State Farm $1,937 $1,937 $1,719 $1,719 $5,282 $6,739 $2,157 $2,541
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

Cheap Fort Morgan, Colorado Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,988 $8,011
Farmers $11,609 $11,765
GEICO $6,794 $7,203
Liberty Mutual $4,802 $5,227
Nationwide $7,160 $9,216
Progressive $9,217 $10,307
State Farm $5,282 $6,739
USAA $5,738 $6,613

Cheap Fort Morgan, Colorado Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,230 $2,230
Farmers $2,938 $3,140
GEICO $2,315 $2,572
Liberty Mutual $1,371 $1,507
Nationwide $2,537 $2,693
Progressive $2,507 $2,520
State Farm $1,719 $1,719
USAA $2,247 $2,282

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

Annual Fort Morgan, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,575 $5,832 $5,746 $5,400
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,117 $2,475 $2,563 $2,493
Nationwide $3,262 $4,492 $5,732 $3,601
Progressive $4,011 $5,490 $4,238 $4,709
State Farm $2,786 $3,222 $3,004 $3,004
USAA $2,584 $3,128 $5,426 $2,919

Cheap Fort Morgan, Colorado Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,277
American Family $4,955
Farmers $5,746
GEICO $4,295
Liberty Mutual $2,563
Nationwide $5,732
Progressive $4,238
State Farm $3,004
USAA $5,426

Cheap Fort Morgan, Colorado Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,704 $3,340 $2,802
Farmers $6,267 $5,072 $4,826
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,439 $2,113 $1,684
Nationwide $5,176 $4,081 $3,558
Progressive $5,294 $4,470 $4,072
State Farm $4,173 $2,680 $2,159
USAA $5,230 $2,954 $2,359

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Cheap Fort Morgan, Colorado Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
80701 $3,647

Cheap Fort Morgan, Colorado Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,538 $3,692
Farmers $5,388 $5,388
GEICO $3,392 $3,557
Liberty Mutual $2,412 $2,412
Nationwide $4,272 $4,272
Progressive $4,612 $4,612
State Farm $2,930 $3,078
USAA $3,413 $3,615

Cheap Fort Morgan, Colorado Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,434 $3,690 $3,722
Farmers $4,777 $5,316 $6,072
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,263 $2,401 $2,571
Nationwide $4,310 $4,274 $4,232
Progressive $4,317 $4,623 $4,895
State Farm $2,828 $3,005 $3,180
USAA $3,378 $3,514 $3,651

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

Compare the cheapest auto insurance companies in Fort Morgan, 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 Morgan, Colorado

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

The Cheapest Fort Morgan, Colorado Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,615
Farmers $5,388
GEICO $3,475
Liberty Mutual $2,412
Nationwide $4,272
Progressive $4,612
State Farm $3,004
USAA $3,514

What affects auto insurance rates in Fort Morgan, Colorado?

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

Fort Morgan Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Morgan, Colorado commute length is 16.9 minutes according to City-Data.

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Compare Fort Morgan, Colorado Auto Insurance Quotes

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