Best Cheap Auto Insurance in Howard, CO (2021)

The average Howard, CO auto insurance rates are $308 per month. The minimum auto insurance in Howard is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Howard, 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 Howard, Colorado is 25/50/15
  • Average auto insurance rates in Howard, CO for senior drivers are $2,199 per year
  • The average commute length in Howard is 26.6 minutes

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

Compare auto insurance in Howard to other Colorado cities, including Thornton auto insurance rates, Pueblo auto insurance rates, and Westminster auto insurance rates to see how Howard, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Howard, Colorado

Howard, 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 Howard, Colorado.

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

Auto insurance rates in Howard, 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 Howard, 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 $3,387 $3,174 $3,030 $3,064 $11,501 $12,039 $3,764 $3,803
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $3,022 $2,997 $2,739 $2,946 $11,271 $11,360 $3,326 $3,373
GEICO $1,881 $2,054 $2,001 $2,276 $5,848 $6,167 $1,719 $1,742
Liberty Mutual $1,941 $1,910 $1,646 $1,805 $5,331 $5,806 $1,957 $1,987
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,305 $2,160 $1,993 $1,991 $7,677 $8,589 $2,602 $2,537
State Farm $1,685 $1,685 $1,506 $1,506 $4,759 $6,018 $1,882 $2,237
USAA $2,339 $2,352 $2,214 $2,238 $5,735 $6,602 $3,017 $3,309

Cheap Howard, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Howard, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,501 $12,039
American Family $5,867 $7,848
Farmers $11,271 $11,360
GEICO $5,848 $6,167
Liberty Mutual $5,331 $5,806
Nationwide $5,787 $7,409
Progressive $7,677 $8,589
State Farm $4,759 $6,018
USAA $5,735 $6,602

Cheap Howard, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Howard, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,030 $3,064
American Family $2,184 $2,184
Farmers $2,739 $2,946
GEICO $2,001 $2,276
Liberty Mutual $1,646 $1,805
Nationwide $2,070 $2,189
Progressive $1,993 $1,991
State Farm $1,506 $1,506
USAA $2,214 $2,238

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

Annual Howard, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,675 $5,366 $6,552 $5,288
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,334 $5,563 $5,488 $5,131
GEICO $2,090 $3,256 $3,766 $2,731
Liberty Mutual $2,438 $2,866 $2,994 $2,894
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,242 $4,485 $3,420 $3,779
State Farm $2,453 $2,866 $2,660 $2,660
USAA $2,543 $3,088 $5,401 $2,871

Cheap Howard, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Howard, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,552
American Family $4,854
Farmers $5,488
GEICO $3,766
Liberty Mutual $2,994
Nationwide $4,607
Progressive $3,420
State Farm $2,660
USAA $5,401

Cheap Howard, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Howard, Colorado

Insurance Company Poor Fair Good
Allstate $6,983 $5,370 $4,058
American Family $4,610 $3,271 $2,742
Farmers $5,957 $4,835 $4,595
GEICO $3,559 $2,961 $2,363
Liberty Mutual $4,013 $2,436 $1,945
Nationwide $4,179 $3,306 $2,883
Progressive $4,248 $3,622 $3,325
State Farm $3,691 $2,374 $1,914
USAA $5,166 $2,924 $2,337

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Cheap Howard, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Howard, Colorado

ZIP Code Average Annual Rates
81233 $3,399

Cheap Howard, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Howard, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,470 $5,470
American Family $3,466 $3,616
Farmers $5,129 $5,129
GEICO $2,897 $3,025
Liberty Mutual $2,798 $2,798
Nationwide $3,456 $3,456
Progressive $3,732 $3,732
State Farm $2,596 $2,723
USAA $3,377 $3,575

Cheap Howard, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Howard, Colorado

Insurance Company Low Medium High
Allstate $5,191 $5,453 $5,767
American Family $3,372 $3,615 $3,636
Farmers $4,532 $5,061 $5,795
GEICO $2,632 $2,898 $3,353
Liberty Mutual $2,647 $2,787 $2,960
Nationwide $3,455 $3,454 $3,458
Progressive $3,484 $3,742 $3,969
State Farm $2,506 $2,659 $2,814
USAA $3,336 $3,475 $3,616

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Best By Category: Cheapest Auto Insurance in Howard, Colorado

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

Best Annual Auto Insurance Rates by Company in Howard, Colorado

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

The Cheapest Howard, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Howard, Colorado

Insurance Company Average Annual Rates
Allstate $5,470
American Family $3,541
Farmers $5,129
GEICO $2,961
Liberty Mutual $2,798
Nationwide $3,456
Progressive $3,732
State Farm $2,660
USAA $3,476

What affects auto insurance rates in Howard, Colorado?

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

Howard Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Howard, Colorado commute length is 26.6 minutes according to City-Data.

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Compare Howard, Colorado Auto Insurance Quotes

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