Best Cheap Auto Insurance in Hereford, CO (2021)

The average Hereford, CO auto insurance rates are $318 per month. The minimum auto insurance in Hereford is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Hereford, 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 Hereford is Liberty Mutual
  • The minimum auto insurance required in Hereford, Colorado is 25/50/15
  • Average auto insurance rates in Hereford, CO for senior drivers are $2,253 per year

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

Compare auto insurance in Hereford to other Colorado cities, including Thornton auto insurance rates, Denver auto insurance rates, and Colorado Springs auto insurance rates to see how Hereford, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Hereford, Colorado

Hereford, 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 Hereford, Colorado.

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

Auto insurance rates in Hereford, 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 Hereford, 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 $3,230 $3,029 $2,901 $2,932 $11,005 $11,558 $3,577 $3,603
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,068 $3,047 $2,773 $2,978 $11,717 $11,871 $3,396 $3,460
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,859 $1,827 $1,582 $1,737 $5,444 $5,926 $1,876 $1,894
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,365 $2,215 $2,042 $2,040 $7,861 $8,795 $2,670 $2,602
State Farm $1,832 $1,832 $1,660 $1,660 $5,444 $6,876 $2,057 $2,440
USAA $2,057 $2,050 $1,967 $1,966 $5,179 $5,925 $2,639 $2,863

Cheap Hereford, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hereford, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,005 $11,558
American Family $5,988 $8,011
Farmers $11,717 $11,871
GEICO $6,794 $7,203
Liberty Mutual $5,444 $5,926
Nationwide $6,746 $8,703
Progressive $7,861 $8,795
State Farm $5,444 $6,876
USAA $5,179 $5,925

Cheap Hereford, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hereford, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,901 $2,932
American Family $2,230 $2,230
Farmers $2,773 $2,978
GEICO $2,315 $2,572
Liberty Mutual $1,582 $1,737
Nationwide $2,404 $2,557
Progressive $2,042 $2,040
State Farm $1,660 $1,660
USAA $1,967 $1,966

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

Annual Hereford, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,473 $5,134 $6,255 $5,056
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,465 $5,736 $5,659 $5,294
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,422 $2,839 $2,950 $2,862
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,322 $4,596 $3,505 $3,873
State Farm $2,725 $3,225 $2,975 $2,975
USAA $2,251 $2,747 $4,792 $2,534

Cheap Hereford, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hereford, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,255
American Family $4,955
Farmers $5,659
GEICO $4,295
Liberty Mutual $2,950
Nationwide $5,431
Progressive $3,505
State Farm $2,975
USAA $4,792

Cheap Hereford, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hereford, Colorado

Insurance Company Poor Fair Good
Allstate $6,669 $5,137 $3,882
American Family $4,704 $3,340 $2,802
Farmers $6,127 $4,993 $4,746
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,959 $2,419 $1,927
Nationwide $4,899 $3,858 $3,367
Progressive $4,354 $3,711 $3,406
State Farm $4,133 $2,654 $2,138
USAA $4,549 $2,604 $2,090

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Cheap Hereford, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hereford, Colorado

ZIP Code Average Annual Rates
80732 $3,523

Cheap Hereford, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hereford, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,229 $5,229
American Family $3,538 $3,692
Farmers $5,289 $5,289
GEICO $3,392 $3,557
Liberty Mutual $2,768 $2,768
Nationwide $4,041 $4,041
Progressive $3,824 $3,824
State Farm $2,901 $3,050
USAA $2,994 $3,168

Cheap Hereford, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hereford, Colorado

Insurance Company Low Medium High
Allstate $4,950 $5,212 $5,526
American Family $3,434 $3,690 $3,722
Farmers $4,670 $5,216 $5,980
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,614 $2,758 $2,933
Nationwide $4,103 $4,041 $3,980
Progressive $3,570 $3,834 $4,068
State Farm $2,759 $2,978 $3,188
USAA $2,936 $3,081 $3,226

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Best By Category: Cheapest Auto Insurance in Hereford, Colorado

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

Best Annual Auto Insurance Rates by Company in Hereford, Colorado

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

The Cheapest Hereford, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hereford, Colorado

Insurance Company Average Annual Rates
Allstate $5,229
American Family $3,615
Farmers $5,289
GEICO $3,475
Liberty Mutual $2,768
Nationwide $4,041
Progressive $3,824
State Farm $2,975
USAA $3,081

Compare Hereford, Colorado Auto Insurance Quotes

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