Best Cheap Auto Insurance in Niwot, CO (2021)

The average Niwot, CO auto insurance rates are $297 per month. The minimum auto insurance in Niwot is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Niwot, 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 Niwot, CO for senior drivers are $2,088 per year
  • The cheapest auto insurance company in Niwot is GEICO
  • The minimum auto insurance required in Niwot, Colorado is 25/50/15

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

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

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

Minimum Auto Insurance in Niwot, Colorado

Niwot, 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 Niwot, Colorado.

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

Auto insurance rates in Niwot, 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 Niwot, 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 $2,919 $2,722 $2,650 $2,675 $10,369 $10,892 $3,174 $3,174
American Family $2,407 $2,407 $2,173 $2,173 $5,806 $7,794 $2,407 $2,942
Farmers $2,864 $2,830 $2,588 $2,794 $11,146 $11,236 $3,157 $3,184
GEICO $1,708 $1,871 $1,831 $2,092 $5,417 $5,712 $1,561 $1,576
Liberty Mutual $1,824 $1,762 $1,552 $1,711 $5,938 $6,482 $1,847 $1,859
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,224 $2,079 $1,986 $1,970 $7,839 $8,725 $2,488 $2,406
State Farm $1,976 $1,976 $1,795 $1,795 $5,888 $7,425 $2,219 $2,633
USAA $1,914 $1,897 $1,841 $1,827 $4,905 $5,591 $2,446 $2,636

Cheap Niwot, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Niwot, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,369 $10,892
American Family $5,806 $7,794
Farmers $11,146 $11,236
GEICO $5,417 $5,712
Liberty Mutual $5,938 $6,482
Nationwide $5,702 $7,251
Progressive $7,839 $8,725
State Farm $5,888 $7,425
USAA $4,905 $5,591

Cheap Niwot, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Niwot, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,650 $2,675
American Family $2,173 $2,173
Farmers $2,588 $2,794
GEICO $1,831 $2,092
Liberty Mutual $1,552 $1,711
Nationwide $2,018 $2,122
Progressive $1,986 $1,970
State Farm $1,795 $1,795
USAA $1,841 $1,827

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

Annual Niwot, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,092 $4,726 $5,814 $4,655
American Family $2,601 $3,694 $4,813 $2,947
Farmers $4,194 $5,408 $5,334 $4,962
GEICO $1,910 $2,993 $3,502 $2,480
Liberty Mutual $2,528 $2,950 $3,043 $2,966
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,204 $4,556 $3,378 $3,721
State Farm $2,941 $3,486 $3,213 $3,213
USAA $2,102 $2,573 $4,490 $2,362

Cheap Niwot, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Niwot, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,814
American Family $4,813
Farmers $5,334
GEICO $3,502
Liberty Mutual $3,043
Nationwide $4,472
Progressive $3,378
State Farm $3,213
USAA $4,490

Cheap Niwot, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Niwot, Colorado

Insurance Company Poor Fair Good
Allstate $6,144 $4,741 $3,581
American Family $4,555 $3,253 $2,733
Farmers $5,755 $4,702 $4,467
GEICO $3,268 $2,721 $2,174
Liberty Mutual $4,093 $2,521 $2,001
Nationwide $4,068 $3,235 $2,817
Progressive $4,213 $3,611 $3,320
State Farm $4,458 $2,868 $2,314
USAA $4,237 $2,442 $1,966

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Cheap Niwot, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Niwot, Colorado

ZIP Code Average Annual Rates
80544 $3,298

Cheap Niwot, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Niwot, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,822 $4,822
American Family $3,438 $3,589
Farmers $4,975 $4,975
GEICO $2,667 $2,775
Liberty Mutual $2,872 $2,872
Nationwide $3,373 $3,373
Progressive $3,715 $3,715
State Farm $3,133 $3,293
USAA $2,802 $2,962

Cheap Niwot, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Niwot, Colorado

Insurance Company Low Medium High
Allstate $4,521 $4,803 $5,141
American Family $3,322 $3,587 $3,632
Farmers $4,378 $4,908 $5,639
GEICO $2,426 $2,670 $3,067
Liberty Mutual $2,700 $2,861 $3,054
Nationwide $3,335 $3,378 $3,407
Progressive $3,343 $3,730 $4,071
State Farm $2,974 $3,216 $3,450
USAA $2,734 $2,882 $3,030

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Best By Category: Cheapest Auto Insurance in Niwot, Colorado

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

Best Annual Auto Insurance Rates by Company in Niwot, Colorado

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

The Cheapest Niwot, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Niwot, Colorado

Insurance Company Average Annual Rates
Allstate $4,822
American Family $3,514
Farmers $4,975
GEICO $2,721
Liberty Mutual $2,872
Nationwide $3,373
Progressive $3,715
State Farm $3,213
USAA $2,882

What affects auto insurance rates in Niwot, Colorado?

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

Niwot Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Niwot, Colorado commute length is 25.9 minutes according to City-Data.

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Compare Niwot, Colorado Auto Insurance Quotes

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