Best Cheap Auto Insurance in Somerset, CO (2021)

The average Somerset, CO auto insurance rates are $307 per month. The minimum auto insurance in Somerset is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Somerset, 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: Jul 15, 2021

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Things to Remember

  • Average auto insurance rates in Somerset, CO for senior drivers are $2,173 per year
  • The most expensive auto insurance company in Somerset for teen drivers is Allstate
  • The minimum auto insurance required in Somerset, Colorado is 25/50/15

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

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

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

Minimum Auto Insurance in Somerset, Colorado

Somerset, 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 Somerset, Colorado.

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

Auto insurance rates in Somerset, 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 Somerset, 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 $3,464 $3,240 $3,088 $3,125 $11,805 $12,366 $3,854 $3,905
American Family $2,405 $2,405 $2,169 $2,169 $5,833 $7,813 $2,405 $2,955
Farmers $2,956 $2,926 $2,679 $2,876 $11,040 $11,122 $3,274 $3,336
GEICO $1,635 $1,788 $1,698 $1,902 $5,110 $5,456 $1,504 $1,552
Liberty Mutual $1,981 $1,976 $1,664 $1,823 $5,353 $5,844 $2,005 $2,057
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,494 $2,331 $2,138 $2,136 $8,418 $9,441 $2,828 $2,760
State Farm $1,711 $1,711 $1,534 $1,534 $4,884 $6,178 $1,913 $2,271
USAA $2,373 $2,383 $2,245 $2,262 $5,906 $6,780 $3,061 $3,347

Cheap Somerset, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Somerset, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,805 $12,366
American Family $5,833 $7,813
Farmers $11,040 $11,122
GEICO $5,110 $5,456
Liberty Mutual $5,353 $5,844
Nationwide $5,513 $7,064
Progressive $8,418 $9,441
State Farm $4,884 $6,178
USAA $5,906 $6,780

Cheap Somerset, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Somerset, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,088 $3,125
American Family $2,169 $2,169
Farmers $2,679 $2,876
GEICO $1,698 $1,902
Liberty Mutual $1,664 $1,823
Nationwide $1,977 $2,093
Progressive $2,138 $2,136
State Farm $1,534 $1,534
USAA $2,245 $2,262

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

Annual Somerset, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,780 $5,487 $6,736 $5,420
American Family $2,601 $3,699 $4,827 $2,949
Farmers $4,237 $5,447 $5,378 $5,042
GEICO $1,833 $2,820 $3,276 $2,393
Liberty Mutual $2,468 $2,903 $3,044 $2,936
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,535 $4,882 $3,732 $4,125
State Farm $2,503 $2,932 $2,717 $2,717
USAA $2,583 $3,145 $5,536 $2,915

Cheap Somerset, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Somerset, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,736
American Family $4,827
Farmers $5,378
GEICO $3,276
Liberty Mutual $3,044
Nationwide $4,398
Progressive $3,732
State Farm $2,717
USAA $5,536

Cheap Somerset, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Somerset, Colorado

Insurance Company Poor Fair Good
Allstate $7,152 $5,503 $4,162
American Family $4,580 $3,253 $2,724
Farmers $5,836 $4,740 $4,503
GEICO $3,098 $2,580 $2,063
Liberty Mutual $4,076 $2,466 $1,971
Nationwide $3,990 $3,154 $2,751
Progressive $4,626 $3,948 $3,631
State Farm $3,771 $2,425 $1,955
USAA $5,269 $2,982 $2,383

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Cheap Somerset, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Somerset, Colorado

ZIP Code Average Annual Rates
81434 $3,399

Cheap Somerset, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Somerset, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,606 $5,606
American Family $3,444 $3,594
Farmers $5,026 $5,026
GEICO $2,528 $2,633
Liberty Mutual $2,838 $2,838
Nationwide $3,298 $3,298
Progressive $4,068 $4,068
State Farm $2,651 $2,783
USAA $3,443 $3,646

Cheap Somerset, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Somerset, Colorado

Insurance Company Low Medium High
Allstate $5,374 $5,591 $5,853
American Family $3,354 $3,592 $3,610
Farmers $4,485 $4,965 $5,629
GEICO $2,394 $2,549 $2,799
Liberty Mutual $2,708 $2,829 $2,976
Nationwide $3,323 $3,295 $3,276
Progressive $3,843 $4,078 $4,284
State Farm $2,548 $2,717 $2,886
USAA $3,409 $3,544 $3,680

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Best By Category: Cheapest Auto Insurance in Somerset, Colorado

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

Best Annual Auto Insurance Rates by Company in Somerset, Colorado

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

The Cheapest Somerset, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Somerset, Colorado

Insurance Company Average Annual Rates
Allstate $5,606
American Family $3,519
Farmers $5,026
GEICO $2,581
Liberty Mutual $2,838
Nationwide $3,298
Progressive $4,068
State Farm $2,717
USAA $3,545

Compare Somerset, Colorado Auto Insurance Quotes

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