Best Cheap Auto Insurance in Montrose, CO (2021)

The average Montrose, CO auto insurance rates are $285 per month. The minimum auto insurance in Montrose is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Montrose, 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 average commute length in Montrose is 15.7 minutes
  • The minimum auto insurance required in Montrose, Colorado is 25/50/15
  • The cheapest auto insurance company in Montrose is GEICO

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

Compare auto insurance in Montrose to other Colorado cities, including Centennial auto insurance rates, Colorado Springs auto insurance rates, and Arvada auto insurance rates to see how Montrose, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Montrose, Colorado

Montrose, 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 Montrose, Colorado.

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

Auto insurance rates in Montrose, 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 Montrose, 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 $3,258 $3,055 $2,913 $2,947 $10,949 $11,475 $3,622 $3,666
American Family $2,397 $2,397 $2,164 $2,164 $5,807 $7,794 $2,397 $2,941
Farmers $2,751 $2,712 $2,514 $2,741 $9,955 $9,823 $2,978 $2,957
GEICO $1,362 $1,492 $1,443 $1,637 $4,284 $4,539 $1,249 $1,272
Liberty Mutual $1,883 $1,871 $1,586 $1,738 $5,147 $5,618 $1,904 $1,946
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,169 $2,030 $1,881 $1,876 $7,322 $8,197 $2,449 $2,387
State Farm $1,773 $1,773 $1,596 $1,596 $5,148 $6,506 $1,986 $2,359
USAA $2,124 $2,131 $2,017 $2,032 $5,229 $6,000 $2,732 $2,984

Cheap Montrose, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montrose, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,949 $11,475
American Family $5,807 $7,794
Farmers $9,955 $9,823
GEICO $4,284 $4,539
Liberty Mutual $5,147 $5,618
Nationwide $5,148 $6,579
Progressive $7,322 $8,197
State Farm $5,148 $6,506
USAA $5,229 $6,000

Cheap Montrose, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montrose, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,913 $2,947
American Family $2,164 $2,164
Farmers $2,514 $2,741
GEICO $1,443 $1,637
Liberty Mutual $1,586 $1,738
Nationwide $1,839 $1,943
Progressive $1,881 $1,876
State Farm $1,596 $1,596
USAA $2,017 $2,032

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

Annual Montrose, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,479 $5,131 $6,269 $5,064
American Family $2,592 $3,688 $4,811 $2,940
Farmers $3,842 $4,945 $4,888 $4,540
GEICO $1,528 $2,371 $2,762 $1,979
Liberty Mutual $2,362 $2,776 $2,905 $2,804
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,076 $4,259 $3,244 $3,578
State Farm $2,612 $3,073 $2,842 $2,842
USAA $2,313 $2,809 $4,894 $2,607

Cheap Montrose, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montrose, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,269
American Family $4,811
Farmers $4,888
GEICO $2,762
Liberty Mutual $2,905
Nationwide $4,083
Progressive $3,244
State Farm $2,842
USAA $4,894

Cheap Montrose, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Montrose, Colorado

Insurance Company Poor Fair Good
Allstate $6,681 $5,139 $3,888
American Family $4,556 $3,246 $2,721
Farmers $5,346 $4,266 $4,049
GEICO $2,588 $2,160 $1,732
Liberty Mutual $3,887 $2,360 $1,887
Nationwide $3,706 $2,939 $2,563
Progressive $4,020 $3,436 $3,161
State Farm $3,947 $2,536 $2,044
USAA $4,679 $2,660 $2,129

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Cheap Montrose, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Montrose, Colorado

ZIP Code Average Annual Rates
81401 $3,141
81403 $3,143

Cheap Montrose, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Montrose, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,236 $5,236
American Family $3,432 $3,583
Farmers $4,554 $4,554
GEICO $2,117 $2,203
Liberty Mutual $2,712 $2,712
Nationwide $3,069 $3,069
Progressive $3,539 $3,539
State Farm $2,773 $2,912
USAA $3,067 $3,245

Cheap Montrose, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Montrose, Colorado

Insurance Company Low Medium High
Allstate $4,998 $5,220 $5,490
American Family $3,339 $3,580 $3,603
Farmers $3,922 $4,482 $5,258
GEICO $1,957 $2,124 $2,399
Liberty Mutual $2,581 $2,704 $2,851
Nationwide $3,080 $3,067 $3,061
Progressive $3,310 $3,548 $3,759
State Farm $2,656 $2,844 $3,027
USAA $3,024 $3,155 $3,288

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Best By Category: Cheapest Auto Insurance in Montrose, Colorado

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

Best Annual Auto Insurance Rates by Company in Montrose, Colorado

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

The Cheapest Montrose, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Montrose, Colorado

Insurance Company Average Annual Rates
Allstate $5,236
American Family $3,508
Farmers $4,554
GEICO $2,160
Liberty Mutual $2,712
Nationwide $3,069
Progressive $3,539
State Farm $2,842
USAA $3,156

What affects auto insurance rates in Montrose, Colorado?

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

Montrose Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Montrose, Colorado commute length is 15.7 minutes according to City-Data.

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Compare Montrose, Colorado Auto Insurance Quotes

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