Best Cheap Auto Insurance in Ophir, CO (2021)

The average Ophir, CO auto insurance rates are $309 per month. The minimum auto insurance in Ophir is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Ophir, 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 minimum auto insurance required in Ophir, Colorado is 25/50/15
  • The average commute length in Ophir is 29.5 minutes
  • Average auto insurance rates in Ophir, CO for senior drivers are $2,184 per year

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

Compare auto insurance in Ophir to other Colorado cities, including Colorado Springs auto insurance rates, Denver auto insurance rates, and Thornton auto insurance rates to see how Ophir, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Ophir, Colorado

Ophir, 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 Ophir, Colorado.

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

Auto insurance rates in Ophir, 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 Ophir, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $2,903 $2,873 $2,628 $2,833 $11,099 $11,181 $3,206 $3,247
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $1,951 $1,947 $1,635 $1,790 $5,385 $5,887 $1,978 $2,036
Nationwide $2,342 $2,393 $2,090 $2,217 $5,853 $7,521 $2,684 $2,907
Progressive $2,467 $2,308 $2,124 $2,121 $8,299 $9,307 $2,793 $2,726
State Farm $1,928 $1,928 $1,720 $1,720 $5,412 $6,871 $2,152 $2,549
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Ophir, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ophir, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $11,099 $11,181
GEICO $5,555 $5,909
Liberty Mutual $5,385 $5,887
Nationwide $5,853 $7,521
Progressive $8,299 $9,307
State Farm $5,412 $6,871
USAA $5,325 $6,108

Cheap Ophir, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ophir, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,628 $2,833
GEICO $1,866 $2,072
Liberty Mutual $1,635 $1,790
Nationwide $2,090 $2,217
Progressive $2,124 $2,121
State Farm $1,720 $1,720
USAA $2,042 $2,056

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

Annual Ophir, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $4,212 $5,424 $5,353 $4,997
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,461 $2,890 $3,029 $2,924
Nationwide $2,683 $3,679 $4,683 $2,958
Progressive $3,490 $4,828 $3,683 $4,071
State Farm $2,803 $3,267 $3,035 $3,035
USAA $2,344 $2,849 $4,987 $2,642

Cheap Ophir, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ophir, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $5,353
GEICO $3,517
Liberty Mutual $3,029
Nationwide $4,683
Progressive $3,683
State Farm $3,035
USAA $4,987

Cheap Ophir, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ophir, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,796 $4,715 $4,478
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,058 $2,457 $1,963
Nationwide $4,239 $3,346 $2,918
Progressive $4,572 $3,899 $3,582
State Farm $4,217 $2,707 $2,181
USAA $4,757 $2,700 $2,160

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Cheap Ophir, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ophir, Colorado

ZIP Code Average Annual Rates
81426 $3,417

Cheap Ophir, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ophir, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $4,996 $4,996
GEICO $2,763 $2,890
Liberty Mutual $2,826 $2,826
Nationwide $3,501 $3,501
Progressive $4,018 $4,018
State Farm $2,961 $3,109
USAA $3,115 $3,296

Cheap Ophir, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ophir, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $4,404 $4,928 $5,657
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,702 $2,818 $2,958
Nationwide $3,554 $3,498 $3,451
Progressive $3,772 $4,028 $4,255
State Farm $2,854 $3,036 $3,215
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Ophir, Colorado

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

Best Annual Auto Insurance Rates by Company in Ophir, Colorado

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

The Cheapest Ophir, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ophir, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,996
GEICO $2,827
Liberty Mutual $2,826
Nationwide $3,501
Progressive $4,018
State Farm $3,035
USAA $3,206

What affects auto insurance rates in Ophir, Colorado?

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

Ophir Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ophir, Colorado commute length is 29.5 minutes according to City-Data.

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Compare Ophir, Colorado Auto Insurance Quotes

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