Best Cheap Auto Insurance in Simla, CO (2021)

The average Simla, CO auto insurance rates are $342 per month. The minimum auto insurance in Simla is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Simla, 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 average commute length in Simla is 28.0 minutes
  • The most expensive auto insurance company in Simla for teen drivers is Farmers
  • The minimum auto insurance required in Simla, Colorado is 25/50/15

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

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

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

Minimum Auto Insurance in Simla, Colorado

Simla, 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 Simla, Colorado.

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

Auto insurance rates in Simla, 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 Simla, 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 $3,357 $3,147 $3,020 $3,051 $11,577 $12,174 $3,710 $3,731
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,327 $3,299 $3,021 $3,263 $12,293 $12,333 $3,634 $3,661
GEICO $2,419 $2,614 $2,494 $2,783 $7,348 $7,796 $2,224 $2,285
Liberty Mutual $1,890 $1,846 $1,604 $1,760 $5,377 $5,859 $1,908 $1,934
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,024 $2,838 $2,555 $2,566 $9,686 $10,861 $3,434 $3,356
State Farm $2,289 $2,289 $2,020 $2,020 $6,119 $7,843 $2,545 $2,988
USAA $2,446 $2,446 $2,327 $2,334 $6,180 $7,089 $3,155 $3,439

Cheap Simla, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Simla, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,577 $12,174
American Family $5,559 $7,395
Farmers $12,293 $12,333
GEICO $7,348 $7,796
Liberty Mutual $5,377 $5,859
Nationwide $6,687 $8,617
Progressive $9,686 $10,861
State Farm $6,119 $7,843
USAA $6,180 $7,089

Cheap Simla, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Simla, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,020 $3,051
American Family $2,070 $2,070
Farmers $3,021 $3,263
GEICO $2,494 $2,783
Liberty Mutual $1,604 $1,760
Nationwide $2,380 $2,529
Progressive $2,555 $2,566
State Farm $2,020 $2,020
USAA $2,327 $2,334

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

Annual Simla, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,674 $5,372 $6,550 $5,287
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,739 $6,081 $5,999 $5,595
GEICO $2,672 $4,113 $4,667 $3,530
Liberty Mutual $2,421 $2,841 $2,960 $2,868
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,166 $5,702 $4,402 $4,888
State Farm $3,269 $3,759 $3,514 $3,514
USAA $2,673 $3,266 $5,752 $3,017

Cheap Simla, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Simla, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,550
American Family $4,589
Farmers $5,999
GEICO $4,667
Liberty Mutual $2,960
Nationwide $5,371
Progressive $4,402
State Farm $3,514
USAA $5,752

Cheap Simla, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Simla, Colorado

Insurance Company Poor Fair Good
Allstate $6,977 $5,378 $4,058
American Family $4,381 $3,091 $2,589
Farmers $6,530 $5,272 $5,010
GEICO $4,510 $3,745 $2,981
Liberty Mutual $3,972 $2,417 $1,927
Nationwide $4,848 $3,820 $3,334
Progressive $5,482 $4,643 $4,244
State Farm $4,888 $3,133 $2,521
USAA $5,452 $3,099 $2,480

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Cheap Simla, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Simla, Colorado

ZIP Code Average Annual Rates
80835 $3,785

Cheap Simla, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Simla, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,471 $5,471
American Family $3,283 $3,424
Farmers $5,604 $5,604
GEICO $3,658 $3,833
Liberty Mutual $2,772 $2,772
Nationwide $4,001 $4,001
Progressive $4,790 $4,790
State Farm $3,427 $3,601
USAA $3,572 $3,782

Cheap Simla, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Simla, Colorado

Insurance Company Low Medium High
Allstate $5,170 $5,452 $5,790
American Family $3,205 $3,423 $3,432
Farmers $4,890 $5,521 $6,400
GEICO $3,424 $3,684 $4,128
Liberty Mutual $2,618 $2,761 $2,938
Nationwide $4,052 $4,001 $3,949
Progressive $4,535 $4,800 $5,035
State Farm $3,318 $3,516 $3,708
USAA $3,520 $3,677 $3,834

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Best By Category: Cheapest Auto Insurance in Simla, Colorado

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

Best Annual Auto Insurance Rates by Company in Simla, 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 American Family

The Cheapest Simla, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Simla, Colorado

Insurance Company Average Annual Rates
Allstate $5,471
American Family $3,353
Farmers $5,604
GEICO $3,745
Liberty Mutual $2,772
Nationwide $4,001
Progressive $4,790
State Farm $3,514
USAA $3,677

What affects auto insurance rates in Simla, Colorado?

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

Simla Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Simla, Colorado commute length is 28.0 minutes according to City-Data.

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Compare Simla, Colorado Auto Insurance Quotes

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