Best Cheap Auto Insurance in Hugo, CO (2021)

The average Hugo, CO auto insurance rates are $327 per month. The minimum auto insurance in Hugo is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Hugo, 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 Hugo is Liberty Mutual
  • The most expensive auto insurance company in Hugo for teen drivers is Farmers
  • The average commute length in Hugo is 14.0 minutes

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

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

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

Minimum Auto Insurance in Hugo, Colorado

Hugo, 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 Hugo, Colorado.

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

Auto insurance rates in Hugo, 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 Hugo, 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 $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,330 $2,330 $2,098 $2,098 $5,641 $7,517 $2,330 $2,869
Farmers $3,185 $3,162 $2,901 $3,137 $11,465 $11,458 $3,461 $3,479
GEICO $2,262 $2,432 $2,320 $2,581 $6,808 $7,210 $2,084 $2,141
Liberty Mutual $1,751 $1,698 $1,492 $1,639 $5,226 $5,692 $1,768 $1,784
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $2,898 $2,729 $2,451 $2,465 $9,014 $10,095 $3,284 $3,211
State Farm $2,109 $2,109 $1,852 $1,852 $5,480 $7,045 $2,339 $2,739
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap Hugo, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hugo, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,641 $7,517
Farmers $11,465 $11,458
GEICO $6,808 $7,210
Liberty Mutual $5,226 $5,692
Nationwide $6,687 $8,617
Progressive $9,014 $10,095
State Farm $5,480 $7,045
USAA $5,826 $6,723

Cheap Hugo, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hugo, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,098 $2,098
Farmers $2,901 $3,137
GEICO $2,320 $2,581
Liberty Mutual $1,492 $1,639
Nationwide $2,380 $2,529
Progressive $2,451 $2,465
State Farm $1,852 $1,852
USAA $2,298 $2,340

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

Annual Hugo, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,516 $3,581 $4,659 $2,851
Farmers $4,473 $5,727 $5,651 $5,274
GEICO $2,491 $3,832 $4,302 $3,293
Liberty Mutual $2,307 $2,699 $2,799 $2,721
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $3,934 $5,365 $4,157 $4,618
State Farm $2,980 $3,401 $3,191 $3,191
USAA $2,644 $3,195 $5,527 $2,989

Cheap Hugo, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hugo, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,277
American Family $4,659
Farmers $5,651
GEICO $4,302
Liberty Mutual $2,799
Nationwide $5,371
Progressive $4,157
State Farm $3,191
USAA $5,527

Cheap Hugo, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hugo, Colorado

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,441 $3,137 $2,627
Farmers $6,178 $4,955 $4,709
GEICO $4,188 $3,479 $2,771
Liberty Mutual $3,761 $2,301 $1,832
Nationwide $4,848 $3,820 $3,334
Progressive $5,187 $4,378 $3,990
State Farm $4,435 $2,846 $2,291
USAA $5,346 $3,014 $2,405

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Cheap Hugo, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hugo, Colorado

ZIP Code Average Annual Rates
80821 $3,616

Cheap Hugo, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hugo, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,330 $3,473
Farmers $5,281 $5,281
GEICO $3,397 $3,562
Liberty Mutual $2,631 $2,631
Nationwide $4,001 $4,001
Progressive $4,518 $4,518
State Farm $3,112 $3,269
USAA $3,485 $3,692

Cheap Hugo, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hugo, Colorado

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,255 $3,472 $3,479
Farmers $4,581 $5,199 $6,063
GEICO $3,183 $3,423 $3,833
Liberty Mutual $2,477 $2,620 $2,797
Nationwide $4,052 $4,001 $3,949
Progressive $4,254 $4,528 $4,774
State Farm $3,023 $3,191 $3,358
USAA $3,452 $3,588 $3,726

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Best By Category: Cheapest Auto Insurance in Hugo, Colorado

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

Best Annual Auto Insurance Rates by Company in Hugo, Colorado

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

The Cheapest Hugo, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hugo, Colorado

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,402
Farmers $5,281
GEICO $3,480
Liberty Mutual $2,631
Nationwide $4,001
Progressive $4,518
State Farm $3,191
USAA $3,589

What affects auto insurance rates in Hugo, Colorado?

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

Hugo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hugo, Colorado commute length is 14.0 minutes according to City-Data.

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Compare Hugo, Colorado Auto Insurance Quotes

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