Best Cheap Auto Insurance in Highlands Ranch, CO (2021)

The average Highlands Ranch, CO auto insurance rates are $322 per month. The minimum auto insurance in Highlands Ranch is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Highlands Ranch, 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 average commute length in Highlands Ranch is 25.8 minutes
  • The cheapest auto insurance company in Highlands Ranch is Liberty Mutual
  • The minimum auto insurance required in Highlands Ranch, Colorado is 25/50/15

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

Compare auto insurance in Highlands Ranch to other Colorado cities, including Aurora auto insurance rates, Lakewood auto insurance rates, and Pueblo auto insurance rates to see how Highlands Ranch, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Highlands Ranch, Colorado

Highlands Ranch, 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 Highlands Ranch, Colorado.

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

Auto insurance rates in Highlands Ranch, 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 Highlands Ranch, 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 $3,262 $3,037 $2,965 $2,992 $11,914 $12,563 $3,540 $3,529
American Family $2,530 $2,530 $2,283 $2,283 $6,122 $8,233 $2,530 $3,091
Farmers $2,948 $2,924 $2,661 $2,884 $11,722 $11,844 $3,234 $3,245
GEICO $1,987 $2,184 $2,156 $2,485 $6,354 $6,679 $1,809 $1,815
Liberty Mutual $1,800 $1,726 $1,536 $1,696 $6,044 $6,597 $1,820 $1,822
Nationwide $2,455 $2,494 $2,201 $2,319 $6,273 $7,998 $2,832 $3,053
Progressive $2,344 $2,184 $2,075 $2,061 $8,401 $9,357 $2,633 $2,546
State Farm $2,141 $2,141 $1,954 $1,954 $6,439 $8,112 $2,406 $2,851
USAA $2,096 $2,079 $2,013 $2,002 $5,382 $6,141 $2,687 $2,901

Cheap Highlands Ranch, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Highlands Ranch, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,914 $12,563
American Family $6,122 $8,233
Farmers $11,722 $11,844
GEICO $6,354 $6,679
Liberty Mutual $6,044 $6,597
Nationwide $6,273 $7,998
Progressive $8,401 $9,357
State Farm $6,439 $8,112
USAA $5,382 $6,141

Cheap Highlands Ranch, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Highlands Ranch, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,965 $2,992
American Family $2,283 $2,283
Farmers $2,661 $2,884
GEICO $2,156 $2,485
Liberty Mutual $1,536 $1,696
Nationwide $2,201 $2,319
Progressive $2,075 $2,061
State Farm $1,954 $1,954
USAA $2,013 $2,002

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

Annual Highlands Ranch, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,631 $5,366 $6,622 $5,282
American Family $2,738 $3,882 $5,077 $3,104
Farmers $4,376 $5,641 $5,561 $5,153
GEICO $2,221 $3,503 $4,125 $2,886
Liberty Mutual $2,541 $2,962 $3,046 $2,972
Nationwide $2,857 $3,891 $4,925 $3,140
Progressive $3,408 $4,837 $3,594 $3,962
State Farm $3,198 $3,802 $3,500 $3,500
USAA $2,303 $2,823 $4,932 $2,593

Cheap Highlands Ranch, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Highlands Ranch, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,622
American Family $5,077
Farmers $5,561
GEICO $4,125
Liberty Mutual $3,046
Nationwide $4,925
Progressive $3,594
State Farm $3,500
USAA $4,932

Cheap Highlands Ranch, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Highlands Ranch, Colorado

Insurance Company Poor Fair Good
Allstate $6,973 $5,391 $4,062
American Family $4,796 $3,426 $2,878
Farmers $5,998 $4,898 $4,652
GEICO $3,829 $3,184 $2,538
Liberty Mutual $4,095 $2,534 $2,011
Nationwide $4,471 $3,549 $3,090
Progressive $4,469 $3,841 $3,540
State Farm $4,851 $3,125 $2,524
USAA $4,657 $2,678 $2,153

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Cheap Highlands Ranch, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Highlands Ranch, Colorado

ZIP Code Average Annual Rates
80126 $3,573
80129 $3,590
80130 $3,553

Cheap Highlands Ranch, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Highlands Ranch, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,475 $5,475
American Family $3,620 $3,780
Farmers $5,183 $5,183
GEICO $3,119 $3,248
Liberty Mutual $2,880 $2,880
Nationwide $3,703 $3,703
Progressive $3,950 $3,950
State Farm $3,412 $3,588
USAA $3,074 $3,252

Cheap Highlands Ranch, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Highlands Ranch, Colorado

Insurance Company Low Medium High
Allstate $5,144 $5,455 $5,826
American Family $3,491 $3,777 $3,833
Farmers $4,462 $5,097 $5,989
GEICO $2,792 $3,113 $3,646
Liberty Mutual $2,697 $2,870 $3,074
Nationwide $3,688 $3,708 $3,714
Progressive $3,607 $3,966 $4,277
State Farm $3,219 $3,502 $3,779
USAA $3,004 $3,163 $3,321

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Best By Category: Cheapest Auto Insurance in Highlands Ranch, Colorado

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

Best Annual Auto Insurance Rates by Company in Highlands Ranch, Colorado

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

The Cheapest Highlands Ranch, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Highlands Ranch, Colorado

Insurance Company Average Annual Rates
Allstate $5,475
American Family $3,700
Farmers $5,183
GEICO $3,184
Liberty Mutual $2,880
Nationwide $3,703
Progressive $3,950
State Farm $3,500
USAA $3,163

What affects auto insurance rates in Highlands Ranch, Colorado?

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

Highlands Ranch Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Highlands Ranch, Colorado commute length is 25.8 minutes according to City-Data.

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Compare Highlands Ranch, Colorado Auto Insurance Quotes

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