Best Cheap Auto Insurance in Monte Vista, CO (2021)

The average Monte Vista, CO auto insurance rates are $291 per month. The minimum auto insurance in Monte Vista is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Monte Vista, 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 Monte Vista, CO for senior drivers are $2,066 per year
  • The minimum auto insurance required in Monte Vista, Colorado is 25/50/15
  • The cheapest auto insurance company in Monte Vista is GEICO

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

Compare auto insurance in Monte Vista to other Colorado cities, including Arvada auto insurance rates, Thornton auto insurance rates, and Aurora auto insurance rates to see how Monte Vista, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Monte Vista, Colorado

Monte Vista, 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 Monte Vista, Colorado.

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

Auto insurance rates in Monte Vista, 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 Monte Vista, 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 $3,141 $2,952 $2,815 $2,846 $10,448 $10,948 $3,491 $3,527
American Family $2,405 $2,405 $2,169 $2,169 $5,833 $7,813 $2,405 $2,955
Farmers $2,825 $2,791 $2,561 $2,764 $10,675 $10,715 $3,110 $3,140
GEICO $1,612 $1,756 $1,674 $1,875 $5,010 $5,334 $1,484 $1,526
Liberty Mutual $1,745 $1,709 $1,485 $1,630 $5,116 $5,569 $1,762 $1,781
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,286 $2,145 $1,984 $1,981 $7,547 $8,443 $2,575 $2,511
State Farm $1,713 $1,713 $1,533 $1,533 $4,855 $6,145 $1,914 $2,272
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Monte Vista, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monte Vista, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,448 $10,948
American Family $5,833 $7,813
Farmers $10,675 $10,715
GEICO $5,010 $5,334
Liberty Mutual $5,116 $5,569
Nationwide $5,513 $7,064
Progressive $7,547 $8,443
State Farm $4,855 $6,145
USAA $5,325 $6,108

Cheap Monte Vista, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monte Vista, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,815 $2,846
American Family $2,169 $2,169
Farmers $2,561 $2,764
GEICO $1,674 $1,875
Liberty Mutual $1,485 $1,630
Nationwide $1,977 $2,093
Progressive $1,984 $1,981
State Farm $1,533 $1,533
USAA $2,042 $2,056

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

Annual Monte Vista, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,309 $4,931 $5,987 $4,858
American Family $2,601 $3,699 $4,827 $2,949
Farmers $4,066 $5,236 $5,168 $4,821
GEICO $1,801 $2,776 $3,204 $2,353
Liberty Mutual $2,276 $2,665 $2,769 $2,689
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,200 $4,433 $3,375 $3,728
State Farm $2,498 $2,921 $2,710 $2,710
USAA $2,344 $2,849 $4,987 $2,642

Cheap Monte Vista, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monte Vista, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,987
American Family $4,827
Farmers $5,168
GEICO $3,204
Liberty Mutual $2,769
Nationwide $4,398
Progressive $3,375
State Farm $2,710
USAA $4,987

Cheap Monte Vista, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Monte Vista, Colorado

Insurance Company Poor Fair Good
Allstate $6,409 $4,927 $3,727
American Family $4,580 $3,253 $2,724
Farmers $5,602 $4,547 $4,319
GEICO $3,041 $2,533 $2,026
Liberty Mutual $3,717 $2,272 $1,810
Nationwide $3,990 $3,154 $2,751
Progressive $4,200 $3,575 $3,277
State Farm $3,761 $2,418 $1,950
USAA $4,757 $2,700 $2,160

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Cheap Monte Vista, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monte Vista, Colorado

ZIP Code Average Annual Rates
81144 $3,215

Cheap Monte Vista, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Monte Vista, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,021 $5,021
American Family $3,444 $3,594
Farmers $4,823 $4,823
GEICO $2,481 $2,586
Liberty Mutual $2,600 $2,600
Nationwide $3,298 $3,298
Progressive $3,684 $3,684
State Farm $2,645 $2,775
USAA $3,115 $3,296

Cheap Monte Vista, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Monte Vista, Colorado

Insurance Company Low Medium High
Allstate $4,755 $5,004 $5,305
American Family $3,354 $3,592 $3,610
Farmers $4,254 $4,759 $5,455
GEICO $2,341 $2,501 $2,759
Liberty Mutual $2,455 $2,589 $2,755
Nationwide $3,323 $3,295 $3,276
Progressive $3,413 $3,694 $3,945
State Farm $2,546 $2,710 $2,874
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Monte Vista, Colorado

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

Best Annual Auto Insurance Rates by Company in Monte Vista, Colorado

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

The Cheapest Monte Vista, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Monte Vista, Colorado

Insurance Company Average Annual Rates
Allstate $5,021
American Family $3,519
Farmers $4,823
GEICO $2,533
Liberty Mutual $2,600
Nationwide $3,298
Progressive $3,684
State Farm $2,710
USAA $3,206

What affects auto insurance rates in Monte Vista, Colorado?

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

Monte Vista Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Monte Vista, Colorado commute length is 18.0 minutes according to City-Data.

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Compare Monte Vista, Colorado Auto Insurance Quotes

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