Best Cheap Auto Insurance in Stratton, CO (2021)

The average Stratton, CO auto insurance rates are $329 per month. The minimum auto insurance in Stratton is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Stratton, 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 Stratton, CO for senior drivers are $2,354 per year
  • The average commute length in Stratton is 14.9 minutes
  • The minimum auto insurance required in Stratton, Colorado is 25/50/15

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

Compare auto insurance in Stratton to other Colorado cities, including Fort Collins auto insurance rates, Denver auto insurance rates, and Centennial auto insurance rates to see how Stratton, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Stratton, Colorado

Stratton, 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 Stratton, Colorado.

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

Auto insurance rates in Stratton, 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 Stratton, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,087 $3,057 $2,798 $3,013 $11,587 $11,662 $3,402 $3,448
GEICO $2,361 $2,552 $2,421 $2,697 $7,173 $7,626 $2,174 $2,242
Liberty Mutual $1,758 $1,724 $1,500 $1,645 $4,936 $5,368 $1,770 $1,785
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $3,133 $2,948 $2,641 $2,656 $9,774 $10,966 $3,556 $3,480
State Farm $2,010 $2,010 $1,775 $1,775 $5,383 $6,877 $2,235 $2,634
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap Stratton, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stratton, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,559 $7,395
Farmers $11,587 $11,662
GEICO $7,173 $7,626
Liberty Mutual $4,936 $5,368
Nationwide $6,746 $8,703
Progressive $9,774 $10,966
State Farm $5,383 $6,877
USAA $5,826 $6,723

Cheap Stratton, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stratton, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,070 $2,070
Farmers $2,798 $3,013
GEICO $2,421 $2,697
Liberty Mutual $1,500 $1,645
Nationwide $2,404 $2,557
Progressive $2,641 $2,656
State Farm $1,775 $1,775
USAA $2,298 $2,340

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

Annual Stratton, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,436 $5,703 $5,628 $5,260
GEICO $2,611 $4,012 $4,547 $3,451
Liberty Mutual $2,237 $2,626 $2,733 $2,647
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $4,260 $5,810 $4,503 $5,005
State Farm $2,871 $3,304 $3,088 $3,088
USAA $2,644 $3,195 $5,527 $2,989

Cheap Stratton, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stratton, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,589
Farmers $5,628
GEICO $4,547
Liberty Mutual $2,733
Nationwide $5,431
Progressive $4,503
State Farm $3,088
USAA $5,527

Cheap Stratton, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stratton, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,381 $3,091 $2,589
Farmers $6,106 $4,956 $4,708
GEICO $4,401 $3,656 $2,910
Liberty Mutual $3,662 $2,236 $1,785
Nationwide $4,899 $3,858 $3,367
Progressive $5,621 $4,742 $4,320
State Farm $4,290 $2,754 $2,218
USAA $5,346 $3,014 $2,405

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Cheap Stratton, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stratton, Colorado

ZIP Code Average Annual Rates
80836 $3,643

Cheap Stratton, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stratton, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,283 $3,424
Farmers $5,257 $5,257
GEICO $3,570 $3,741
Liberty Mutual $2,561 $2,561
Nationwide $4,041 $4,041
Progressive $4,895 $4,895
State Farm $3,013 $3,162
USAA $3,485 $3,692

Cheap Stratton, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stratton, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,205 $3,423 $3,432
Farmers $4,646 $5,187 $5,937
GEICO $3,360 $3,598 $4,008
Liberty Mutual $2,414 $2,550 $2,718
Nationwide $4,103 $4,041 $3,980
Progressive $4,618 $4,904 $5,162
State Farm $2,925 $3,087 $3,250
USAA $3,452 $3,588 $3,726

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Best By Category: Cheapest Auto Insurance in Stratton, Colorado

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

Best Annual Auto Insurance Rates by Company in Stratton, 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 Liberty Mutual

The Cheapest Stratton, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Stratton, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,353
Farmers $5,257
GEICO $3,656
Liberty Mutual $2,561
Nationwide $4,041
Progressive $4,895
State Farm $3,088
USAA $3,589

What affects auto insurance rates in Stratton, Colorado?

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

Stratton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stratton, Colorado commute length is 14.9 minutes according to City-Data.

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Compare Stratton, Colorado Auto Insurance Quotes

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