Best Cheap Auto Insurance in Fruita, CO (2021)

The average Fruita, CO auto insurance rates are $278 per month. The minimum auto insurance in Fruita is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Fruita, 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 Fruita for teen drivers is Allstate
  • The cheapest auto insurance company in Fruita is GEICO
  • Average auto insurance rates in Fruita, CO for senior drivers are $1,948 per year

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

Compare auto insurance in Fruita to other Colorado cities, including Colorado Springs auto insurance rates, Westminster auto insurance rates, and Centennial auto insurance rates to see how Fruita, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Fruita, Colorado

Fruita, 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 Fruita, Colorado.

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

Auto insurance rates in Fruita, 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 Fruita, 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 $3,381 $3,150 $3,030 $3,064 $11,889 $12,477 $3,725 $3,761
American Family $2,369 $2,369 $2,141 $2,141 $5,736 $7,705 $2,369 $2,905
Farmers $2,537 $2,513 $2,301 $2,488 $9,670 $9,716 $2,787 $2,808
GEICO $1,333 $1,458 $1,409 $1,589 $4,169 $4,420 $1,224 $1,247
Liberty Mutual $1,666 $1,627 $1,408 $1,547 $5,370 $5,871 $1,695 $1,725
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,025 $1,894 $1,784 $1,775 $6,952 $7,755 $2,273 $2,208
State Farm $1,629 $1,629 $1,468 $1,468 $4,729 $5,974 $1,824 $2,166
USAA $2,018 $2,018 $1,922 $1,928 $5,022 $5,748 $2,589 $2,817

Cheap Fruita, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fruita, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,889 $12,477
American Family $5,736 $7,705
Farmers $9,670 $9,716
GEICO $4,169 $4,420
Liberty Mutual $5,370 $5,871
Nationwide $4,935 $6,278
Progressive $6,952 $7,755
State Farm $4,729 $5,974
USAA $5,022 $5,748

Cheap Fruita, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fruita, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,030 $3,064
American Family $2,141 $2,141
Farmers $2,301 $2,488
GEICO $1,409 $1,589
Liberty Mutual $1,408 $1,547
Nationwide $1,754 $1,845
Progressive $1,784 $1,775
State Farm $1,468 $1,468
USAA $1,922 $1,928

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

Annual Fruita, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,713 $5,432 $6,724 $5,370
American Family $2,562 $3,647 $4,754 $2,905
Farmers $3,672 $4,726 $4,666 $4,346
GEICO $1,493 $2,311 $2,685 $1,935
Liberty Mutual $2,301 $2,679 $2,773 $2,702
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $2,890 $4,044 $3,045 $3,354
State Farm $2,399 $2,823 $2,611 $2,611
USAA $2,202 $2,679 $4,672 $2,479

Cheap Fruita, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fruita, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,724
American Family $4,754
Farmers $4,666
GEICO $2,685
Liberty Mutual $2,773
Nationwide $3,877
Progressive $3,045
State Farm $2,611
USAA $4,672

Cheap Fruita, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fruita, Colorado

Insurance Company Poor Fair Good
Allstate $7,087 $5,463 $4,129
American Family $4,499 $3,210 $2,691
Farmers $5,061 $4,102 $3,895
GEICO $2,522 $2,106 $1,690
Liberty Mutual $3,729 $2,291 $1,821
Nationwide $3,525 $2,806 $2,447
Progressive $3,780 $3,239 $2,981
State Farm $3,623 $2,330 $1,880
USAA $4,450 $2,539 $2,036

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Cheap Fruita, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fruita, Colorado

ZIP Code Average Annual Rates
81521 $3,072

Cheap Fruita, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fruita, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,560 $5,560
American Family $3,393 $3,541
Farmers $4,353 $4,353
GEICO $2,065 $2,147
Liberty Mutual $2,614 $2,614
Nationwide $2,926 $2,926
Progressive $3,333 $3,333
State Farm $2,547 $2,675
USAA $2,923 $3,093

Cheap Fruita, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fruita, Colorado

Insurance Company Low Medium High
Allstate $5,328 $5,545 $5,807
American Family $3,297 $3,539 $3,565
Farmers $3,789 $4,286 $4,983
GEICO $1,920 $2,074 $2,324
Liberty Mutual $2,478 $2,605 $2,757
Nationwide $2,909 $2,928 $2,941
Progressive $3,064 $3,344 $3,592
State Farm $2,435 $2,612 $2,786
USAA $2,877 $3,007 $3,140

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Best By Category: Cheapest Auto Insurance in Fruita, Colorado

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

Best Annual Auto Insurance Rates by Company in Fruita, Colorado

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

The Cheapest Fruita, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fruita, Colorado

Insurance Company Average Annual Rates
Allstate $5,560
American Family $3,467
Farmers $4,353
GEICO $2,106
Liberty Mutual $2,614
Nationwide $2,926
Progressive $3,333
State Farm $2,611
USAA $3,008

What affects auto insurance rates in Fruita, Colorado?

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

Fruita Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fruita, Colorado commute length is 19.7 minutes according to City-Data.

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Compare Fruita, Colorado Auto Insurance Quotes

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