Best Cheap Auto Insurance in Pagosa Springs, CO (2021)

The average Pagosa Springs, CO auto insurance rates are $309 per month. The minimum auto insurance in Pagosa Springs is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Pagosa Springs, 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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Pagosa Springs is Liberty Mutual
  • The average commute length in Pagosa Springs is 9.7 minutes
  • The most expensive auto insurance company in Pagosa Springs for teen drivers is Allstate

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

Compare auto insurance in Pagosa Springs to other Colorado cities, including Aurora auto insurance rates, Lakewood auto insurance rates, and Fort Collins auto insurance rates to see how Pagosa Springs, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Pagosa Springs, Colorado

Pagosa Springs, 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 Pagosa Springs, Colorado.

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

Auto insurance rates in Pagosa Springs, 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 Pagosa Springs, 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 $2,674 $2,654 $2,425 $2,607 $9,924 $10,006 $2,944 $2,991
GEICO $1,828 $1,975 $1,868 $2,075 $5,566 $5,927 $1,687 $1,743
Liberty Mutual $1,894 $1,866 $1,607 $1,762 $5,240 $5,705 $1,910 $1,939
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,735 $2,559 $2,356 $2,353 $9,197 $10,308 $3,095 $3,017
State Farm $2,064 $2,064 $1,834 $1,834 $5,695 $7,252 $2,301 $2,719
USAA $2,287 $2,304 $2,162 $2,193 $5,518 $6,351 $2,950 $3,241

Cheap Pagosa Springs, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pagosa Springs, 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 $9,924 $10,006
GEICO $5,566 $5,927
Liberty Mutual $5,240 $5,705
Nationwide $5,513 $7,064
Progressive $9,197 $10,308
State Farm $5,695 $7,252
USAA $5,518 $6,351

Cheap Pagosa Springs, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pagosa Springs, 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 $2,425 $2,607
GEICO $1,868 $2,075
Liberty Mutual $1,607 $1,762
Nationwide $1,977 $2,093
Progressive $2,356 $2,353
State Farm $1,834 $1,834
USAA $2,162 $2,193

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

Annual Pagosa Springs, 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 $3,827 $4,908 $4,843 $4,534
GEICO $2,029 $3,110 $3,527 $2,669
Liberty Mutual $2,389 $2,807 $2,930 $2,835
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,860 $5,364 $4,076 $4,510
State Farm $2,982 $3,459 $3,220 $3,220
USAA $2,485 $3,007 $5,206 $2,806

Cheap Pagosa Springs, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pagosa Springs, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $4,843
GEICO $3,527
Liberty Mutual $2,930
Nationwide $4,398
Progressive $4,076
State Farm $3,220
USAA $5,206

Cheap Pagosa Springs, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pagosa Springs, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,264 $4,266 $4,055
GEICO $3,405 $2,834 $2,263
Liberty Mutual $3,929 $2,387 $1,905
Nationwide $3,990 $3,154 $2,751
Progressive $5,075 $4,320 $3,962
State Farm $4,477 $2,872 $2,313
USAA $5,019 $2,839 $2,269

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Cheap Pagosa Springs, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pagosa Springs, Colorado

ZIP Code Average Annual Rates
81147 $3,414

Cheap Pagosa Springs, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pagosa Springs, 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 $4,528 $4,528
GEICO $2,770 $2,898
Liberty Mutual $2,740 $2,740
Nationwide $3,298 $3,298
Progressive $4,452 $4,452
State Farm $3,142 $3,299
USAA $3,279 $3,472

Cheap Pagosa Springs, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pagosa Springs, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $3,995 $4,466 $5,123
GEICO $2,632 $2,798 $3,072
Liberty Mutual $2,594 $2,730 $2,898
Nationwide $3,323 $3,295 $3,276
Progressive $4,151 $4,464 $4,743
State Farm $3,037 $3,222 $3,403
USAA $3,243 $3,375 $3,509

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Best By Category: Cheapest Auto Insurance in Pagosa Springs, Colorado

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

Best Annual Auto Insurance Rates by Company in Pagosa Springs, Colorado

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

The Cheapest Pagosa Springs, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pagosa Springs, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,528
GEICO $2,834
Liberty Mutual $2,740
Nationwide $3,298
Progressive $4,452
State Farm $3,220
USAA $3,376

What affects auto insurance rates in Pagosa Springs, Colorado?

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

Pagosa Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pagosa Springs, Colorado commute length is 9.7 minutes according to City-Data.

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Compare Pagosa Springs, Colorado Auto Insurance Quotes

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