Best Cheap Auto Insurance in Johnstown, CO (2021)

The average Johnstown, CO auto insurance rates are $296 per month. The minimum auto insurance in Johnstown is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Johnstown, 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 Johnstown is Liberty Mutual
  • The most expensive auto insurance company in Johnstown for teen drivers is Allstate
  • The average commute length in Johnstown is 29.3 minutes

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

Compare auto insurance in Johnstown to other Colorado cities, including Centennial auto insurance rates, Arvada auto insurance rates, and Fort Collins auto insurance rates to see how Johnstown, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Johnstown, Colorado

Johnstown, 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 Johnstown, Colorado.

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

Auto insurance rates in Johnstown, 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 Johnstown, 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 $3,238 $3,036 $2,915 $2,945 $11,144 $11,714 $3,577 $3,595
American Family $2,450 $2,450 $2,212 $2,212 $5,928 $7,971 $2,450 $2,996
Farmers $2,817 $2,793 $2,551 $2,752 $10,713 $10,797 $3,096 $3,127
GEICO $1,602 $1,753 $1,723 $1,972 $5,036 $5,295 $1,463 $1,473
Liberty Mutual $1,564 $1,457 $1,331 $1,471 $4,961 $5,425 $1,579 $1,588
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,283 $2,139 $2,009 $2,001 $7,757 $8,646 $2,562 $2,487
State Farm $2,025 $2,025 $1,820 $1,820 $5,860 $7,427 $2,268 $2,687
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

Cheap Johnstown, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Johnstown, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,144 $11,714
American Family $5,928 $7,971
Farmers $10,713 $10,797
GEICO $5,036 $5,295
Liberty Mutual $4,961 $5,425
Nationwide $5,724 $7,310
Progressive $7,757 $8,646
State Farm $5,860 $7,427
USAA $4,952 $5,658

Cheap Johnstown, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Johnstown, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,945
American Family $2,212 $2,212
Farmers $2,551 $2,752
GEICO $1,723 $1,972
Liberty Mutual $1,331 $1,471
Nationwide $2,028 $2,139
Progressive $2,009 $2,001
State Farm $1,820 $1,820
USAA $1,883 $1,880

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

Annual Johnstown, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,505 $5,177 $6,306 $5,094
American Family $2,651 $3,764 $4,915 $3,005
Farmers $4,080 $5,246 $5,174 $4,823
GEICO $1,786 $2,798 $3,255 $2,319
Liberty Mutual $2,133 $2,489 $2,566 $2,500
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,232 $4,538 $3,409 $3,762
State Farm $2,981 $3,502 $3,241 $3,241
USAA $2,153 $2,627 $4,570 $2,423

Cheap Johnstown, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Johnstown, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,306
American Family $4,915
Farmers $5,174
GEICO $3,255
Liberty Mutual $2,566
Nationwide $4,523
Progressive $3,409
State Farm $3,241
USAA $4,570

Cheap Johnstown, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Johnstown, Colorado

Insurance Company Poor Fair Good
Allstate $6,719 $5,180 $3,911
American Family $4,646 $3,318 $2,787
Farmers $5,607 $4,556 $4,329
GEICO $3,048 $2,540 $2,031
Liberty Mutual $3,443 $2,128 $1,695
Nationwide $4,099 $3,254 $2,838
Progressive $4,249 $3,628 $3,329
State Farm $4,506 $2,891 $2,328
USAA $4,339 $2,489 $2,000

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Cheap Johnstown, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Johnstown, Colorado

ZIP Code Average Annual Rates
80534 $3,281

Cheap Johnstown, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Johnstown, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,270 $5,270
American Family $3,507 $3,661
Farmers $4,831 $4,831
GEICO $2,488 $2,592
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,735 $3,735
State Farm $3,161 $3,322
USAA $2,861 $3,026

Cheap Johnstown, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Johnstown, Colorado

Insurance Company Low Medium High
Allstate $4,973 $5,252 $5,586
American Family $3,388 $3,658 $3,705
Farmers $4,229 $4,761 $5,503
GEICO $2,243 $2,485 $2,891
Liberty Mutual $2,256 $2,411 $2,599
Nationwide $3,381 $3,402 $3,409
Progressive $3,407 $3,748 $4,051
State Farm $3,026 $3,245 $3,454
USAA $2,802 $2,943 $3,085

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Best By Category: Cheapest Auto Insurance in Johnstown, Colorado

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

Best Annual Auto Insurance Rates by Company in Johnstown, Colorado

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

The Cheapest Johnstown, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Johnstown, Colorado

Insurance Company Average Annual Rates
Allstate $5,270
American Family $3,584
Farmers $4,831
GEICO $2,540
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,735
State Farm $3,241
USAA $2,943

What affects auto insurance rates in Johnstown, Colorado?

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

Johnstown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Johnstown, Colorado commute length is 29.3 minutes according to City-Data.

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Compare Johnstown, Colorado Auto Insurance Quotes

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