Best Cheap Auto Insurance in Fraser, CO (2021)

The average Fraser, CO auto insurance rates are $311 per month. The minimum auto insurance in Fraser is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Fraser, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Fraser for teen drivers is Allstate
  • The cheapest auto insurance company in Fraser is Liberty Mutual
  • Average auto insurance rates in Fraser, CO for senior drivers are $2,199 per year

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

Compare auto insurance in Fraser to other Colorado cities, including Aurora auto insurance rates, Centennial auto insurance rates, and Lakewood auto insurance rates to see how Fraser, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Fraser, Colorado

Fraser, 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 Fraser, Colorado.

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

Auto insurance rates in Fraser, 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 Fraser, 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 $3,154 $2,946 $2,851 $2,879 $11,138 $11,709 $3,453 $3,461
American Family $2,537 $2,537 $2,289 $2,289 $6,163 $8,255 $2,537 $3,124
Farmers $2,801 $2,784 $2,538 $2,728 $10,440 $10,547 $3,080 $3,127
GEICO $2,017 $2,193 $2,090 $2,332 $6,178 $6,577 $1,852 $1,906
Liberty Mutual $1,877 $1,861 $1,571 $1,724 $5,460 $5,977 $1,907 $1,962
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,435 $2,274 $2,112 $2,106 $8,360 $9,352 $2,751 $2,676
State Farm $2,041 $2,041 $1,832 $1,832 $5,864 $7,401 $2,283 $2,719
USAA $2,166 $2,173 $2,054 $2,068 $5,365 $6,151 $2,787 $3,043

Cheap Fraser, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fraser, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,138 $11,709
American Family $6,163 $8,255
Farmers $10,440 $10,547
GEICO $6,178 $6,577
Liberty Mutual $5,460 $5,977
Nationwide $5,929 $7,587
Progressive $8,360 $9,352
State Farm $5,864 $7,401
USAA $5,365 $6,151

Cheap Fraser, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fraser, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,851 $2,879
American Family $2,289 $2,289
Farmers $2,538 $2,728
GEICO $2,090 $2,332
Liberty Mutual $1,571 $1,724
Nationwide $2,085 $2,204
Progressive $2,112 $2,106
State Farm $1,832 $1,832
USAA $2,054 $2,068

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

Annual Fraser, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,419 $5,097 $6,259 $5,020
American Family $2,748 $3,898 $5,103 $3,116
Farmers $4,023 $5,157 $5,086 $4,757
GEICO $2,239 $3,440 $3,949 $2,945
Liberty Mutual $2,440 $2,857 $2,985 $2,888
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,474 $4,844 $3,666 $4,049
State Farm $2,992 $3,511 $3,252 $3,252
USAA $2,359 $2,868 $5,018 $2,659

Cheap Fraser, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fraser, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,259
American Family $5,103
Farmers $5,086
GEICO $3,949
Liberty Mutual $2,985
Nationwide $4,685
Progressive $3,666
State Farm $3,252
USAA $5,018

Cheap Fraser, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fraser, Colorado

Insurance Company Poor Fair Good
Allstate $6,626 $5,112 $3,859
American Family $4,840 $3,435 $2,874
Farmers $5,524 $4,482 $4,261
GEICO $3,780 $3,143 $2,506
Liberty Mutual $4,002 $2,434 $1,942
Nationwide $4,245 $3,363 $2,929
Progressive $4,552 $3,892 $3,581
State Farm $4,512 $2,902 $2,341
USAA $4,786 $2,717 $2,174

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Cheap Fraser, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fraser, Colorado

ZIP Code Average Annual Rates
80442 $3,425

Cheap Fraser, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fraser, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,199 $5,199
American Family $3,637 $3,795
Farmers $4,756 $4,756
GEICO $3,075 $3,212
Liberty Mutual $2,792 $2,792
Nationwide $3,512 $3,512
Progressive $4,008 $4,008
State Farm $3,174 $3,329
USAA $3,134 $3,317

Cheap Fraser, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fraser, Colorado

Insurance Company Low Medium High
Allstate $4,900 $5,181 $5,516
American Family $3,563 $3,793 $3,793
Farmers $4,182 $4,688 $5,396
GEICO $2,892 $3,096 $3,442
Liberty Mutual $2,666 $2,785 $2,926
Nationwide $3,535 $3,511 $3,491
Progressive $3,736 $4,020 $4,269
State Farm $3,054 $3,251 $3,449
USAA $3,096 $3,225 $3,356

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Best By Category: Cheapest Auto Insurance in Fraser, Colorado

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

Best Annual Auto Insurance Rates by Company in Fraser, 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 USAA

The Cheapest Fraser, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fraser, Colorado

Insurance Company Average Annual Rates
Allstate $5,199
American Family $3,716
Farmers $4,756
GEICO $3,143
Liberty Mutual $2,792
Nationwide $3,512
Progressive $4,008
State Farm $3,252
USAA $3,226

What affects auto insurance rates in Fraser, Colorado?

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

Fraser Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fraser, Colorado commute length is 17.4 minutes according to City-Data.

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Compare Fraser, Colorado Auto Insurance Quotes

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