Best Cheap Auto Insurance in Merino, CO (2021)

The average Merino, CO auto insurance rates are $331 per month. The minimum auto insurance in Merino is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Merino, 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

  • Average auto insurance rates in Merino, CO for senior drivers are $2,371 per year
  • The cheapest auto insurance company in Merino is Liberty Mutual
  • The average commute length in Merino is 27.2 minutes

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

Compare auto insurance in Merino to other Colorado cities, including Denver auto insurance rates, Lakewood auto insurance rates, and Centennial auto insurance rates to see how Merino, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Merino, Colorado

Merino, 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 Merino, Colorado.

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

Auto insurance rates in Merino, 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 Merino, 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 $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,344 $3,332 $3,028 $3,228 $12,084 $12,271 $3,695 $3,795
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,758 $1,724 $1,500 $1,645 $4,936 $5,368 $1,770 $1,785
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $3,013 $2,837 $2,533 $2,552 $9,275 $10,381 $3,417 $3,341
State Farm $1,969 $1,969 $1,744 $1,744 $5,334 $6,808 $2,192 $2,583
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

Cheap Merino, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Merino, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,988 $8,011
Farmers $12,084 $12,271
GEICO $6,794 $7,203
Liberty Mutual $4,936 $5,368
Nationwide $6,746 $8,703
Progressive $9,275 $10,381
State Farm $5,334 $6,808
USAA $5,738 $6,613

Cheap Merino, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Merino, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,230 $2,230
Farmers $3,028 $3,228
GEICO $2,315 $2,572
Liberty Mutual $1,500 $1,645
Nationwide $2,404 $2,557
Progressive $2,533 $2,552
State Farm $1,744 $1,744
USAA $2,247 $2,282

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

Annual Merino, 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 $2,676 $3,796 $4,955 $3,033
Farmers $4,743 $6,055 $5,969 $5,622
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,237 $2,626 $2,733 $2,647
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $4,068 $5,527 $4,298 $4,781
State Farm $2,825 $3,261 $3,043 $3,043
USAA $2,584 $3,128 $5,426 $2,919

Cheap Merino, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Merino, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,277
American Family $4,955
Farmers $5,969
GEICO $4,295
Liberty Mutual $2,733
Nationwide $5,431
Progressive $4,298
State Farm $3,043
USAA $5,426

Cheap Merino, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Merino, Colorado

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,704 $3,340 $2,802
Farmers $6,496 $5,275 $5,020
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,662 $2,236 $1,785
Nationwide $4,899 $3,858 $3,367
Progressive $5,362 $4,523 $4,120
State Farm $4,228 $2,714 $2,187
USAA $5,230 $2,954 $2,359

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Cheap Merino, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Merino, Colorado

ZIP Code Average Annual Rates
80741 $3,669

Cheap Merino, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Merino, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,538 $3,692
Farmers $5,597 $5,597
GEICO $3,392 $3,557
Liberty Mutual $2,561 $2,561
Nationwide $4,041 $4,041
Progressive $4,669 $4,669
State Farm $2,969 $3,117
USAA $3,413 $3,615

Cheap Merino, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Merino, Colorado

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,434 $3,690 $3,722
Farmers $5,022 $5,530 $6,240
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,414 $2,550 $2,718
Nationwide $4,103 $4,041 $3,980
Progressive $4,417 $4,679 $4,910
State Farm $2,872 $3,043 $3,214
USAA $3,378 $3,514 $3,651

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Best By Category: Cheapest Auto Insurance in Merino, Colorado

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

Best Annual Auto Insurance Rates by Company in Merino, 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 Merino, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Merino, Colorado

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,615
Farmers $5,597
GEICO $3,475
Liberty Mutual $2,561
Nationwide $4,041
Progressive $4,669
State Farm $3,043
USAA $3,514

What affects auto insurance rates in Merino, Colorado?

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

Merino Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Merino, Colorado commute length is 27.2 minutes according to City-Data.

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Compare Merino, Colorado Auto Insurance Quotes

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