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

The average Steamboat Springs, CO auto insurance rates are $313 per month. The minimum auto insurance in Steamboat Springs is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Steamboat 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 Steamboat Springs is GEICO
  • The average commute length in Steamboat Springs is 16.3 minutes
  • The minimum auto insurance required in Steamboat Springs, Colorado is 25/50/15

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

Compare auto insurance in Steamboat Springs to other Colorado cities, including Denver auto insurance rates, Lakewood auto insurance rates, and Westminster auto insurance rates to see how Steamboat Springs, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Steamboat Springs, Colorado

Steamboat 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 Steamboat Springs, Colorado.

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

Auto insurance rates in Steamboat 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 Steamboat 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 $3,702 $3,456 $3,315 $3,352 $12,998 $13,655 $4,095 $4,130
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,786 $2,764 $2,525 $2,709 $10,253 $10,347 $3,068 $3,122
GEICO $1,667 $1,820 $1,727 $1,930 $5,193 $5,544 $1,535 $1,584
Liberty Mutual $1,893 $1,898 $1,588 $1,740 $5,414 $5,918 $1,922 $1,975
Nationwide $2,289 $2,336 $2,045 $2,165 $5,796 $7,423 $2,632 $2,845
Progressive $2,416 $2,257 $2,094 $2,088 $8,285 $9,272 $2,730 $2,657
State Farm $2,067 $2,067 $1,844 $1,844 $5,872 $7,428 $2,311 $2,754
USAA $2,156 $2,164 $2,044 $2,059 $5,334 $6,117 $2,774 $3,030

Cheap Steamboat Springs, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Steamboat Springs, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,998 $13,655
American Family $6,096 $8,166
Farmers $10,253 $10,347
GEICO $5,193 $5,544
Liberty Mutual $5,414 $5,918
Nationwide $5,796 $7,423
Progressive $8,285 $9,272
State Farm $5,872 $7,428
USAA $5,334 $6,117

Cheap Steamboat Springs, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Steamboat Springs, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,315 $3,352
American Family $2,263 $2,263
Farmers $2,525 $2,709
GEICO $1,727 $1,930
Liberty Mutual $1,588 $1,740
Nationwide $2,045 $2,165
Progressive $2,094 $2,088
State Farm $1,844 $1,844
USAA $2,044 $2,059

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

Annual Steamboat Springs, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,173 $5,961 $7,337 $5,880
American Family $2,716 $3,857 $5,047 $3,081
Farmers $3,972 $5,091 $5,020 $4,704
GEICO $1,867 $2,870 $3,323 $2,441
Liberty Mutual $2,438 $2,858 $2,989 $2,889
Nationwide $2,645 $3,616 $4,592 $2,912
Progressive $3,447 $4,800 $3,637 $4,016
State Farm $3,018 $3,529 $3,274 $3,274
USAA $2,347 $2,853 $4,994 $2,646

Cheap Steamboat Springs, Colorado Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,337
American Family $5,047
Farmers $5,020
GEICO $3,323
Liberty Mutual $2,989
Nationwide $4,592
Progressive $3,637
State Farm $3,274
USAA $4,994

Cheap Steamboat Springs, Colorado Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $7,764 $5,984 $4,515
American Family $4,787 $3,396 $2,842
Farmers $5,453 $4,428 $4,210
GEICO $3,152 $2,625 $2,099
Liberty Mutual $4,004 $2,434 $1,942
Nationwide $4,162 $3,293 $2,869
Progressive $4,514 $3,860 $3,551
State Farm $4,551 $2,919 $2,350
USAA $4,763 $2,704 $2,163

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Cheap Steamboat Springs, Colorado Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
80487 $3,457

Cheap Steamboat Springs, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Steamboat Springs, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,088 $6,088
American Family $3,597 $3,754
Farmers $4,697 $4,697
GEICO $2,571 $2,680
Liberty Mutual $2,793 $2,793
Nationwide $3,441 $3,441
Progressive $3,975 $3,975
State Farm $3,196 $3,351
USAA $3,119 $3,301

Cheap Steamboat Springs, Colorado Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,811 $6,071 $6,381
American Family $3,521 $3,751 $3,754
Farmers $4,180 $4,639 $5,271
GEICO $2,439 $2,594 $2,843
Liberty Mutual $2,673 $2,787 $2,921
Nationwide $3,492 $3,440 $3,392
Progressive $3,710 $3,986 $4,228
State Farm $3,097 $3,274 $3,449
USAA $3,081 $3,209 $3,339

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

Compare the cheapest auto insurance companies in Steamboat 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 Steamboat Springs, Colorado

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

The Cheapest Steamboat Springs, Colorado Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,088
American Family $3,675
Farmers $4,697
GEICO $2,625
Liberty Mutual $2,793
Nationwide $3,441
Progressive $3,975
State Farm $3,274
USAA $3,210

What affects auto insurance rates in Steamboat Springs, Colorado?

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

Steamboat Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Steamboat Springs, Colorado commute length is 16.3 minutes according to City-Data.

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Compare Steamboat Springs, Colorado Auto Insurance Quotes

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