Best Cheap Auto Insurance in Penrose, CO (2021)

The average Penrose, CO auto insurance rates are $319 per month. The minimum auto insurance in Penrose is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Penrose, 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

  • Average auto insurance rates in Penrose, CO for senior drivers are $2,286 per year
  • The average commute length in Penrose is 36.6 minutes
  • The most expensive auto insurance company in Penrose for teen drivers is Allstate

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

Compare auto insurance in Penrose to other Colorado cities, including Pueblo auto insurance rates, Aurora auto insurance rates, and Colorado Springs auto insurance rates to see how Penrose, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Penrose, Colorado

Penrose, 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 Penrose, Colorado.

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

Auto insurance rates in Penrose, 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 Penrose, 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 $3,599 $3,375 $3,236 $3,271 $12,214 $12,806 $3,978 $4,009
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $3,303 $3,272 $2,999 $3,242 $12,343 $12,378 $3,614 $3,637
GEICO $2,052 $2,249 $2,222 $2,553 $6,380 $6,695 $1,865 $1,873
Liberty Mutual $1,872 $1,836 $1,590 $1,744 $5,256 $5,723 $1,888 $1,912
Nationwide $2,313 $2,357 $2,070 $2,189 $5,787 $7,409 $2,654 $2,867
Progressive $2,521 $2,363 $2,221 $2,210 $8,532 $9,533 $2,829 $2,750
State Farm $1,621 $1,621 $1,459 $1,459 $4,686 $5,919 $1,814 $2,155
USAA $2,263 $2,273 $2,146 $2,167 $5,548 $6,383 $2,916 $3,195

Cheap Penrose, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Penrose, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,214 $12,806
American Family $5,867 $7,848
Farmers $12,343 $12,378
GEICO $6,380 $6,695
Liberty Mutual $5,256 $5,723
Nationwide $5,787 $7,409
Progressive $8,532 $9,533
State Farm $4,686 $5,919
USAA $5,548 $6,383

Cheap Penrose, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Penrose, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,236 $3,271
American Family $2,184 $2,184
Farmers $2,999 $3,242
GEICO $2,222 $2,553
Liberty Mutual $1,590 $1,744
Nationwide $2,070 $2,189
Progressive $2,221 $2,210
State Farm $1,459 $1,459
USAA $2,146 $2,167

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

Annual Penrose, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,969 $5,702 $6,955 $5,618
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,729 $6,078 $5,998 $5,589
GEICO $2,274 $3,561 $4,139 $2,970
Liberty Mutual $2,381 $2,795 $2,914 $2,821
Nationwide $2,659 $3,631 $4,607 $2,926
Progressive $3,559 $5,015 $3,756 $4,149
State Farm $2,382 $2,801 $2,592 $2,592
USAA $2,462 $2,990 $5,215 $2,778

Cheap Penrose, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Penrose, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,955
American Family $4,854
Farmers $5,998
GEICO $4,139
Liberty Mutual $2,914
Nationwide $4,607
Progressive $3,756
State Farm $2,592
USAA $5,215

Cheap Penrose, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Penrose, Colorado

Insurance Company Poor Fair Good
Allstate $7,431 $5,701 $4,300
American Family $4,610 $3,271 $2,742
Farmers $6,520 $5,270 $5,006
GEICO $3,893 $3,236 $2,580
Liberty Mutual $3,907 $2,378 $1,897
Nationwide $4,179 $3,306 $2,883
Progressive $4,700 $4,000 $3,660
State Farm $3,596 $2,313 $1,866
USAA $4,990 $2,830 $2,263

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Cheap Penrose, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Penrose, Colorado

ZIP Code Average Annual Rates
81240 $3,532

Cheap Penrose, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Penrose, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,811 $5,811
American Family $3,466 $3,616
Farmers $5,598 $5,598
GEICO $3,165 $3,307
Liberty Mutual $2,728 $2,728
Nationwide $3,456 $3,456
Progressive $4,120 $4,120
State Farm $2,529 $2,655
USAA $3,265 $3,457

Cheap Penrose, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Penrose, Colorado

Insurance Company Low Medium High
Allstate $5,480 $5,789 $6,163
American Family $3,372 $3,615 $3,636
Farmers $4,883 $5,516 $6,397
GEICO $2,802 $3,146 $3,760
Liberty Mutual $2,577 $2,717 $2,889
Nationwide $3,455 $3,454 $3,458
Progressive $3,727 $4,133 $4,500
State Farm $2,422 $2,592 $2,762
USAA $3,222 $3,360 $3,502

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Best By Category: Cheapest Auto Insurance in Penrose, Colorado

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

Best Annual Auto Insurance Rates by Company in Penrose, Colorado

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

The Cheapest Penrose, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Penrose, Colorado

Insurance Company Average Annual Rates
Allstate $5,811
American Family $3,541
Farmers $5,598
GEICO $3,236
Liberty Mutual $2,728
Nationwide $3,456
Progressive $4,120
State Farm $2,592
USAA $3,361

What affects auto insurance rates in Penrose, Colorado?

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

Penrose Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Penrose, Colorado commute length is 36.6 minutes according to City-Data.

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Compare Penrose, Colorado Auto Insurance Quotes

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