Best Cheap Auto Insurance in Orchard, CO (2021)

The average Orchard, CO auto insurance rates are $328 per month. The minimum auto insurance in Orchard is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Orchard, 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 most expensive auto insurance company in Orchard for teen drivers is Farmers
  • The minimum auto insurance required in Orchard, Colorado is 25/50/15
  • Average auto insurance rates in Orchard, CO for senior drivers are $2,338 per year

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

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

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

Minimum Auto Insurance in Orchard, Colorado

Orchard, 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 Orchard, Colorado.

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

Auto insurance rates in Orchard, 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 Orchard, 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 $3,294 $3,088 $2,962 $2,993 $11,326 $11,919 $3,642 $3,665
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,254 $3,229 $2,943 $3,152 $12,134 $12,286 $3,594 $3,665
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,803 $1,747 $1,533 $1,684 $5,188 $5,652 $1,818 $1,839
Nationwide $2,847 $2,907 $2,537 $2,693 $7,160 $9,216 $3,269 $3,545
Progressive $2,430 $2,279 $2,108 $2,105 $8,063 $9,016 $2,739 $2,668
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 Orchard, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Orchard, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,326 $11,919
American Family $5,988 $8,011
Farmers $12,134 $12,286
GEICO $6,794 $7,203
Liberty Mutual $5,188 $5,652
Nationwide $7,160 $9,216
Progressive $8,063 $9,016
State Farm $5,334 $6,808
USAA $5,738 $6,613

Cheap Orchard, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Orchard, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,962 $2,993
American Family $2,230 $2,230
Farmers $2,943 $3,152
GEICO $2,315 $2,572
Liberty Mutual $1,533 $1,684
Nationwide $2,537 $2,693
Progressive $2,108 $2,105
State Farm $1,744 $1,744
USAA $2,247 $2,282

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

Annual Orchard, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,581 $5,262 $6,419 $5,182
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,678 $5,998 $5,912 $5,541
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,324 $2,725 $2,834 $2,749
Nationwide $3,262 $4,492 $5,732 $3,601
Progressive $3,406 $4,731 $3,594 $3,973
State Farm $2,825 $3,261 $3,043 $3,043
USAA $2,584 $3,128 $5,426 $2,919

Cheap Orchard, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Orchard, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,419
American Family $4,955
Farmers $5,912
GEICO $4,295
Liberty Mutual $2,834
Nationwide $5,732
Progressive $3,594
State Farm $3,043
USAA $5,426

Cheap Orchard, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Orchard, Colorado

Insurance Company Poor Fair Good
Allstate $6,834 $5,270 $3,980
American Family $4,704 $3,340 $2,802
Farmers $6,408 $5,223 $4,966
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,804 $2,320 $1,850
Nationwide $5,176 $4,081 $3,558
Progressive $4,477 $3,810 $3,491
State Farm $4,228 $2,714 $2,187
USAA $5,230 $2,954 $2,359

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Cheap Orchard, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Orchard, Colorado

ZIP Code Average Annual Rates
80649 $3,629

Cheap Orchard, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Orchard, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,361 $5,361
American Family $3,538 $3,692
Farmers $5,532 $5,532
GEICO $3,392 $3,557
Liberty Mutual $2,658 $2,658
Nationwide $4,272 $4,272
Progressive $3,926 $3,926
State Farm $2,969 $3,117
USAA $3,413 $3,615

Cheap Orchard, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Orchard, Colorado

Insurance Company Low Medium High
Allstate $5,082 $5,344 $5,658
American Family $3,434 $3,690 $3,722
Farmers $4,939 $5,465 $6,192
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,502 $2,646 $2,825
Nationwide $4,310 $4,274 $4,232
Progressive $3,632 $3,937 $4,209
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 Orchard, Colorado

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

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

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

Average Annual Auto Insurance Rates by Company in Orchard, Colorado

Insurance Company Average Annual Rates
Allstate $5,361
American Family $3,615
Farmers $5,532
GEICO $3,475
Liberty Mutual $2,658
Nationwide $4,272
Progressive $3,926
State Farm $3,043
USAA $3,514

What affects auto insurance rates in Orchard, Colorado?

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

Orchard Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Orchard, Colorado commute length is 31.7 minutes according to City-Data.

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Compare Orchard, Colorado Auto Insurance Quotes

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