Best Cheap Auto Insurance in Gunnison, CO (2021)

The average Gunnison, CO auto insurance rates are $299 per month. The minimum auto insurance in Gunnison is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Gunnison, 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 cheapest auto insurance company in Gunnison is GEICO
  • Average auto insurance rates in Gunnison, CO for senior drivers are $2,117 per year
  • The minimum auto insurance required in Gunnison, Colorado is 25/50/15

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

Compare auto insurance in Gunnison to other Colorado cities, including Thornton auto insurance rates, Fort Collins auto insurance rates, and Colorado Springs auto insurance rates to see how Gunnison, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Gunnison, Colorado

Gunnison, 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 Gunnison, Colorado.

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

Auto insurance rates in Gunnison, 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 Gunnison, 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 $3,342 $3,130 $2,992 $3,025 $11,435 $12,014 $3,708 $3,746
American Family $2,369 $2,369 $2,137 $2,137 $5,740 $7,694 $2,369 $2,907
Farmers $3,035 $3,011 $2,753 $2,964 $11,236 $11,308 $3,331 $3,373
GEICO $1,665 $1,807 $1,719 $1,918 $5,130 $5,460 $1,534 $1,579
Liberty Mutual $1,796 $1,792 $1,514 $1,658 $5,109 $5,573 $1,820 $1,862
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,377 $2,221 $2,049 $2,044 $8,092 $9,076 $2,692 $2,627
State Farm $1,696 $1,696 $1,512 $1,512 $4,726 $5,992 $1,892 $2,243
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Gunnison, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gunnison, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,435 $12,014
American Family $5,740 $7,694
Farmers $11,236 $11,308
GEICO $5,130 $5,460
Liberty Mutual $5,109 $5,573
Nationwide $5,513 $7,064
Progressive $8,092 $9,076
State Farm $4,726 $5,992
USAA $5,325 $6,108

Cheap Gunnison, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gunnison, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,992 $3,025
American Family $2,137 $2,137
Farmers $2,753 $2,964
GEICO $1,719 $1,918
Liberty Mutual $1,514 $1,658
Nationwide $1,977 $2,093
Progressive $2,049 $2,044
State Farm $1,512 $1,512
USAA $2,042 $2,056

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

Annual Gunnison, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,630 $5,315 $6,507 $5,244
American Family $2,561 $3,645 $4,751 $2,904
Farmers $4,334 $5,560 $5,485 $5,127
GEICO $1,855 $2,854 $3,269 $2,429
Liberty Mutual $2,306 $2,702 $2,822 $2,732
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,385 $4,686 $3,572 $3,945
State Farm $2,457 $2,860 $2,659 $2,659
USAA $2,344 $2,849 $4,987 $2,642

Cheap Gunnison, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gunnison, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,507
American Family $4,751
Farmers $5,485
GEICO $3,269
Liberty Mutual $2,822
Nationwide $4,398
Progressive $3,572
State Farm $2,659
USAA $4,987

Cheap Gunnison, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gunnison, Colorado

Insurance Company Poor Fair Good
Allstate $6,915 $5,329 $4,028
American Family $4,505 $3,204 $2,687
Farmers $5,962 $4,828 $4,589
GEICO $3,123 $2,602 $2,080
Liberty Mutual $3,785 $2,301 $1,836
Nationwide $3,990 $3,154 $2,751
Progressive $4,427 $3,783 $3,482
State Farm $3,690 $2,373 $1,914
USAA $4,757 $2,700 $2,160

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Cheap Gunnison, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gunnison, Colorado

ZIP Code Average Annual Rates
81230 $3,242
81231 $3,306
81247 $3,401

Cheap Gunnison, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gunnison, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,424 $5,424
American Family $3,391 $3,539
Farmers $5,126 $5,126
GEICO $2,546 $2,657
Liberty Mutual $2,640 $2,640
Nationwide $3,298 $3,298
Progressive $3,897 $3,897
State Farm $2,595 $2,722
USAA $3,115 $3,296

Cheap Gunnison, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gunnison, Colorado

Insurance Company Low Medium High
Allstate $5,183 $5,408 $5,681
American Family $3,294 $3,538 $3,564
Farmers $4,512 $5,055 $5,812
GEICO $2,409 $2,569 $2,827
Liberty Mutual $2,519 $2,632 $2,770
Nationwide $3,323 $3,295 $3,276
Progressive $3,669 $3,907 $4,116
State Farm $2,505 $2,658 $2,814
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Gunnison, Colorado

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

Best Annual Auto Insurance Rates by Company in Gunnison, Colorado

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

The Cheapest Gunnison, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gunnison, Colorado

Insurance Company Average Annual Rates
Allstate $5,424
American Family $3,465
Farmers $5,126
GEICO $2,602
Liberty Mutual $2,640
Nationwide $3,298
Progressive $3,897
State Farm $2,659
USAA $3,206

What affects auto insurance rates in Gunnison, Colorado?

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

Gunnison Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gunnison, Colorado commute length is 13.3 minutes according to City-Data.

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Compare Gunnison, Colorado Auto Insurance Quotes

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