Best Cheap Auto Insurance in Jefferson, CO (2021)

The average Jefferson, CO auto insurance rates are $330 per month. The minimum auto insurance in Jefferson is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Jefferson, 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 Jefferson is GEICO
  • The minimum auto insurance required in Jefferson, Colorado is 25/50/15
  • The most expensive auto insurance company in Jefferson for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Jefferson, Colorado

Jefferson, 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 Jefferson, Colorado.

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

Auto insurance rates in Jefferson, 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 Jefferson, 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 $3,749 $3,504 $3,354 $3,392 $13,068 $13,728 $4,155 $4,193
American Family $2,670 $2,670 $2,407 $2,407 $6,476 $8,699 $2,670 $3,267
Farmers $3,074 $3,050 $2,782 $2,987 $11,575 $11,700 $3,396 $3,456
GEICO $1,686 $1,849 $1,751 $1,963 $5,302 $5,671 $1,551 $1,603
Liberty Mutual $1,852 $1,800 $1,562 $1,719 $5,867 $6,415 $1,881 $1,914
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,536 $2,361 $2,215 $2,200 $9,020 $10,116 $2,867 $2,790
State Farm $2,529 $2,529 $2,256 $2,256 $7,113 $9,033 $2,825 $3,347
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

Cheap Jefferson, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Jefferson, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,068 $13,728
American Family $6,476 $8,699
Farmers $11,575 $11,700
GEICO $5,302 $5,671
Liberty Mutual $5,867 $6,415
Nationwide $5,929 $7,587
Progressive $9,020 $10,116
State Farm $7,113 $9,033
USAA $5,128 $5,847

Cheap Jefferson, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Jefferson, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,392
American Family $2,407 $2,407
Farmers $2,782 $2,987
GEICO $1,751 $1,963
Liberty Mutual $1,562 $1,719
Nationwide $2,085 $2,204
Progressive $2,215 $2,200
State Farm $2,256 $2,256
USAA $1,918 $1,904

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

Annual Jefferson, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,228 $6,017 $7,392 $5,935
American Family $2,893 $4,092 $5,368 $3,280
Farmers $4,436 $5,696 $5,619 $5,258
GEICO $1,895 $2,915 $3,404 $2,475
Liberty Mutual $2,527 $2,949 $3,056 $2,973
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,686 $5,184 $3,891 $4,291
State Farm $3,681 $4,292 $3,986 $3,986
USAA $2,191 $2,686 $4,693 $2,465

Cheap Jefferson, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Jefferson, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,392
American Family $5,368
Farmers $5,619
GEICO $3,404
Liberty Mutual $3,056
Nationwide $4,685
Progressive $3,891
State Farm $3,986
USAA $4,693

Cheap Jefferson, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Jefferson, Colorado

Insurance Company Poor Fair Good
Allstate $7,837 $6,037 $4,555
American Family $5,075 $3,615 $3,035
Farmers $6,089 $4,957 $4,711
GEICO $3,209 $2,672 $2,136
Liberty Mutual $4,111 $2,517 $2,000
Nationwide $4,245 $3,363 $2,929
Progressive $4,832 $4,141 $3,816
State Farm $5,541 $3,555 $2,862
USAA $4,426 $2,549 $2,051

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Cheap Jefferson, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Jefferson, Colorado

ZIP Code Average Annual Rates
80456 $3,659

Cheap Jefferson, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Jefferson, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,143 $6,143
American Family $3,824 $3,993
Farmers $5,252 $5,252
GEICO $2,618 $2,726
Liberty Mutual $2,876 $2,876
Nationwide $3,512 $3,512
Progressive $4,263 $4,263
State Farm $3,889 $4,083
USAA $2,925 $3,093

Cheap Jefferson, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Jefferson, Colorado

Insurance Company Low Medium High
Allstate $5,864 $6,126 $6,440
American Family $3,693 $3,989 $4,043
Farmers $4,659 $5,184 $5,914
GEICO $2,486 $2,640 $2,890
Liberty Mutual $2,722 $2,866 $3,040
Nationwide $3,535 $3,511 $3,491
Progressive $3,957 $4,275 $4,558
State Farm $3,751 $3,988 $4,219
USAA $2,855 $3,009 $3,163

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Best By Category: Cheapest Auto Insurance in Jefferson, Colorado

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

Best Annual Auto Insurance Rates by Company in Jefferson, Colorado

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

The Cheapest Jefferson, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Jefferson, Colorado

Insurance Company Average Annual Rates
Allstate $6,143
American Family $3,908
Farmers $5,252
GEICO $2,672
Liberty Mutual $2,876
Nationwide $3,512
Progressive $4,263
State Farm $3,986
USAA $3,009

Compare Jefferson, Colorado Auto Insurance Quotes

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