Best Cheap Auto Insurance in Otis, CO (2021)

The average Otis, CO auto insurance rates are $325 per month. The minimum auto insurance in Otis is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Otis, 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 Otis for teen drivers is Farmers
  • Average auto insurance rates in Otis, CO for senior drivers are $2,345 per year
  • The cheapest auto insurance company in Otis is Liberty Mutual

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

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

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

Minimum Auto Insurance in Otis, Colorado

Otis, 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 Otis, Colorado.

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

Auto insurance rates in Otis, 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 Otis, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,098 $3,088 $2,812 $3,000 $10,952 $11,090 $3,405 $3,487
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,747 $1,713 $1,491 $1,636 $4,875 $5,298 $1,759 $1,773
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,945 $2,776 $2,473 $2,493 $8,966 $10,035 $3,340 $3,267
State Farm $2,065 $2,065 $1,821 $1,821 $5,478 $7,020 $2,294 $2,694
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap Otis, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Otis, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $10,952 $11,090
GEICO $6,794 $7,203
Liberty Mutual $4,875 $5,298
Nationwide $6,746 $8,703
Progressive $8,966 $10,035
State Farm $5,478 $7,020
USAA $5,826 $6,723

Cheap Otis, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Otis, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,812 $3,000
GEICO $2,315 $2,572
Liberty Mutual $1,491 $1,636
Nationwide $2,404 $2,557
Progressive $2,473 $2,493
State Farm $1,821 $1,821
USAA $2,298 $2,340

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

Annual Otis, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,343 $5,534 $5,453 $5,136
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,215 $2,600 $2,708 $2,623
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,957 $5,360 $4,181 $4,650
State Farm $2,940 $3,375 $3,157 $3,157
USAA $2,644 $3,195 $5,527 $2,989

Cheap Otis, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Otis, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,453
GEICO $4,295
Liberty Mutual $2,708
Nationwide $5,431
Progressive $4,181
State Farm $3,157
USAA $5,527

Cheap Otis, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Otis, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $5,952 $4,815 $4,582
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,629 $2,214 $1,767
Nationwide $4,899 $3,858 $3,367
Progressive $5,215 $4,395 $4,001
State Farm $4,388 $2,816 $2,268
USAA $5,346 $3,014 $2,405

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Cheap Otis, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Otis, Colorado

ZIP Code Average Annual Rates
80743 $3,595

Cheap Otis, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Otis, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $5,116 $5,116
GEICO $3,392 $3,557
Liberty Mutual $2,537 $2,537
Nationwide $4,041 $4,041
Progressive $4,537 $4,537
State Farm $3,080 $3,235
USAA $3,485 $3,692

Cheap Otis, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Otis, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,578 $5,054 $5,717
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,391 $2,526 $2,693
Nationwide $4,103 $4,041 $3,980
Progressive $4,297 $4,546 $4,767
State Farm $2,984 $3,158 $3,330
USAA $3,452 $3,588 $3,726

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Best By Category: Cheapest Auto Insurance in Otis, Colorado

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

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

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

Average Annual Auto Insurance Rates by Company in Otis, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $5,116
GEICO $3,475
Liberty Mutual $2,537
Nationwide $4,041
Progressive $4,537
State Farm $3,157
USAA $3,589

What affects auto insurance rates in Otis, Colorado?

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

Otis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Otis, Colorado commute length is 29.7 minutes according to City-Data.

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Compare Otis, Colorado Auto Insurance Quotes

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