Best Cheap Auto Insurance in Gardner, CO (2021)

The average Gardner, CO auto insurance rates are $316 per month. The minimum auto insurance in Gardner is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Gardner, 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 Gardner, Colorado is 25/50/15
  • The cheapest auto insurance company in Gardner is Liberty Mutual
  • Average auto insurance rates in Gardner, CO for senior drivers are $2,251 per year

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

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

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

Minimum Auto Insurance in Gardner, Colorado

Gardner, 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 Gardner, Colorado.

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

Auto insurance rates in Gardner, 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 Gardner, 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 $3,206 $3,018 $2,881 $2,912 $10,514 $11,014 $3,557 $3,592
American Family $2,330 $2,330 $2,098 $2,098 $5,641 $7,517 $2,330 $2,869
Farmers $3,238 $3,204 $2,926 $3,145 $12,363 $12,493 $3,576 $3,627
GEICO $1,891 $2,049 $1,966 $2,195 $5,741 $6,088 $1,736 $1,779
Liberty Mutual $1,850 $1,821 $1,570 $1,721 $5,179 $5,639 $1,867 $1,896
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $2,361 $2,212 $2,050 $2,045 $7,902 $8,849 $2,663 $2,597
State Farm $1,991 $1,991 $1,774 $1,774 $5,576 $7,076 $2,223 $2,637
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

Cheap Gardner, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gardner, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,514 $11,014
American Family $5,641 $7,517
Farmers $12,363 $12,493
GEICO $5,741 $6,088
Liberty Mutual $5,179 $5,639
Nationwide $6,687 $8,617
Progressive $7,902 $8,849
State Farm $5,576 $7,076
USAA $5,735 $6,602

Cheap Gardner, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gardner, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,881 $2,912
American Family $2,098 $2,098
Farmers $2,926 $3,145
GEICO $1,966 $2,195
Liberty Mutual $1,570 $1,721
Nationwide $2,380 $2,529
Progressive $2,050 $2,045
State Farm $1,774 $1,774
USAA $2,214 $2,238

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

Annual Gardner, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,375 $4,997 $6,052 $4,923
American Family $2,516 $3,581 $4,659 $2,851
Farmers $4,703 $6,050 $5,964 $5,569
GEICO $2,092 $3,217 $3,664 $2,749
Liberty Mutual $2,350 $2,758 $2,877 $2,786
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $3,328 $4,622 $3,511 $3,878
State Farm $2,892 $3,369 $3,130 $3,130
USAA $2,543 $3,088 $5,401 $2,871

Cheap Gardner, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gardner, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,052
American Family $4,659
Farmers $5,964
GEICO $3,664
Liberty Mutual $2,877
Nationwide $5,371
Progressive $3,511
State Farm $3,130
USAA $5,401

Cheap Gardner, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gardner, Colorado

Insurance Company Poor Fair Good
Allstate $6,504 $4,987 $3,770
American Family $4,441 $3,137 $2,627
Farmers $6,445 $5,266 $5,004
GEICO $3,522 $2,931 $2,339
Liberty Mutual $3,860 $2,347 $1,872
Nationwide $4,848 $3,820 $3,334
Progressive $4,368 $3,722 $3,414
State Farm $4,350 $2,792 $2,249
USAA $5,166 $2,924 $2,337

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Cheap Gardner, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gardner, Colorado

ZIP Code Average Annual Rates
81040 $3,496

Cheap Gardner, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gardner, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,087 $5,087
American Family $3,330 $3,473
Farmers $5,572 $5,572
GEICO $2,865 $2,996
Liberty Mutual $2,693 $2,693
Nationwide $4,001 $4,001
Progressive $3,835 $3,835
State Farm $3,055 $3,206
USAA $3,377 $3,575

Cheap Gardner, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gardner, Colorado

Insurance Company Low Medium High
Allstate $4,797 $5,067 $5,397
American Family $3,255 $3,472 $3,479
Farmers $4,952 $5,503 $6,260
GEICO $2,673 $2,881 $3,238
Liberty Mutual $2,549 $2,682 $2,847
Nationwide $4,052 $4,001 $3,949
Progressive $3,557 $3,845 $4,103
State Farm $2,954 $3,131 $3,306
USAA $3,336 $3,475 $3,616

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Best By Category: Cheapest Auto Insurance in Gardner, Colorado

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

Best Annual Auto Insurance Rates by Company in Gardner, 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 GEICO

The Cheapest Gardner, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gardner, Colorado

Insurance Company Average Annual Rates
Allstate $5,087
American Family $3,402
Farmers $5,572
GEICO $2,931
Liberty Mutual $2,693
Nationwide $4,001
Progressive $3,835
State Farm $3,130
USAA $3,476

Compare Gardner, Colorado Auto Insurance Quotes

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