Best Cheap Auto Insurance in Ouray, CO (2021)

The average Ouray, CO auto insurance rates are $304 per month. The minimum auto insurance in Ouray is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Ouray, 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 cheapest auto insurance company in Ouray is Liberty Mutual
  • Average auto insurance rates in Ouray, CO for senior drivers are $2,171 per year
  • The most expensive auto insurance company in Ouray for teen drivers is Allstate

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

Compare auto insurance in Ouray to other Colorado cities, including Thornton auto insurance rates, Westminster auto insurance rates, and Aurora auto insurance rates to see how Ouray, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Ouray, Colorado

Ouray, 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 Ouray, Colorado.

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

Auto insurance rates in Ouray, 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 Ouray, 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 $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,962 $2,928 $2,701 $2,932 $10,698 $10,625 $3,214 $3,210
GEICO $1,843 $1,991 $1,885 $2,095 $5,626 $5,988 $1,701 $1,756
Liberty Mutual $1,951 $1,947 $1,635 $1,790 $5,385 $5,887 $1,978 $2,036
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,447 $2,290 $2,107 $2,105 $8,201 $9,186 $2,768 $2,699
State Farm $1,823 $1,823 $1,623 $1,623 $5,076 $6,439 $2,033 $2,412
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Ouray, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ouray, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,867 $7,848
Farmers $10,698 $10,625
GEICO $5,626 $5,988
Liberty Mutual $5,385 $5,887
Nationwide $5,513 $7,064
Progressive $8,201 $9,186
State Farm $5,076 $6,439
USAA $5,325 $6,108

Cheap Ouray, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ouray, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,184 $2,184
Farmers $2,701 $2,932
GEICO $1,885 $2,095
Liberty Mutual $1,635 $1,790
Nationwide $1,977 $2,093
Progressive $2,107 $2,105
State Farm $1,623 $1,623
USAA $2,042 $2,056

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

Annual Ouray, 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 $2,619 $3,721 $4,854 $2,969
Farmers $4,149 $5,327 $5,261 $4,897
GEICO $2,046 $3,141 $3,564 $2,691
Liberty Mutual $2,461 $2,890 $3,029 $2,924
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,453 $4,777 $3,644 $4,028
State Farm $2,641 $3,072 $2,857 $2,857
USAA $2,344 $2,849 $4,987 $2,642

Cheap Ouray, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ouray, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,854
Farmers $5,261
GEICO $3,564
Liberty Mutual $3,029
Nationwide $4,398
Progressive $3,644
State Farm $2,857
USAA $4,987

Cheap Ouray, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ouray, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,610 $3,271 $2,742
Farmers $5,749 $4,604 $4,373
GEICO $3,437 $2,861 $2,284
Liberty Mutual $4,058 $2,457 $1,963
Nationwide $3,990 $3,154 $2,751
Progressive $4,524 $3,858 $3,544
State Farm $3,967 $2,549 $2,054
USAA $4,757 $2,700 $2,160

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Cheap Ouray, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ouray, Colorado

ZIP Code Average Annual Rates
81427 $3,363

Cheap Ouray, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ouray, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,466 $3,616
Farmers $4,909 $4,909
GEICO $2,797 $2,925
Liberty Mutual $2,826 $2,826
Nationwide $3,298 $3,298
Progressive $3,975 $3,975
State Farm $2,788 $2,925
USAA $3,115 $3,296

Cheap Ouray, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ouray, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,372 $3,615 $3,636
Farmers $4,254 $4,834 $5,638
GEICO $2,656 $2,825 $3,100
Liberty Mutual $2,702 $2,818 $2,958
Nationwide $3,323 $3,295 $3,276
Progressive $3,727 $3,986 $4,213
State Farm $2,697 $2,856 $3,017
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Ouray, Colorado

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

Best Annual Auto Insurance Rates by Company in Ouray, Colorado

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

The Cheapest Ouray, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ouray, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,541
Farmers $4,909
GEICO $2,861
Liberty Mutual $2,826
Nationwide $3,298
Progressive $3,975
State Farm $2,857
USAA $3,206

What affects auto insurance rates in Ouray, Colorado?

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

Ouray Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ouray, Colorado commute length is 17.3 minutes according to City-Data.

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Compare Ouray, Colorado Auto Insurance Quotes

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