Best Cheap Auto Insurance in Vail, CO (2021)

The average Vail, CO auto insurance rates are $315 per month. The minimum auto insurance in Vail is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Vail, 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 Vail, CO for senior drivers are $2,203 per year
  • The minimum auto insurance required in Vail, Colorado is 25/50/15
  • The cheapest auto insurance company in Vail is GEICO

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

Compare auto insurance in Vail to other Colorado cities, including Centennial auto insurance rates, Arvada auto insurance rates, and Westminster auto insurance rates to see how Vail, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Vail, Colorado

Vail, 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 Vail, Colorado.

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

Auto insurance rates in Vail, 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 Vail, 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 $3,642 $3,402 $3,258 $3,295 $12,701 $13,319 $4,034 $4,072
American Family $2,583 $2,583 $2,333 $2,333 $6,284 $8,441 $2,583 $3,178
Farmers $2,871 $2,849 $2,595 $2,782 $10,857 $11,000 $3,181 $3,247
GEICO $1,609 $1,772 $1,682 $1,894 $5,105 $5,462 $1,478 $1,526
Liberty Mutual $1,836 $1,836 $1,541 $1,689 $5,617 $6,142 $1,870 $1,919
Nationwide $2,313 $2,360 $2,066 $2,188 $5,843 $7,486 $2,658 $2,874
Progressive $2,244 $2,093 $1,949 $1,941 $7,780 $8,714 $2,536 $2,470
State Farm $2,039 $2,039 $1,826 $1,826 $5,892 $7,438 $2,283 $2,725
USAA $2,343 $2,348 $2,222 $2,234 $5,862 $6,726 $3,020 $3,297

Cheap Vail, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Vail, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,701 $13,319
American Family $6,284 $8,441
Farmers $10,857 $11,000
GEICO $5,105 $5,462
Liberty Mutual $5,617 $6,142
Nationwide $5,843 $7,486
Progressive $7,780 $8,714
State Farm $5,892 $7,438
USAA $5,862 $6,726

Cheap Vail, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Vail, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,258 $3,295
American Family $2,333 $2,333
Farmers $2,595 $2,782
GEICO $1,682 $1,894
Liberty Mutual $1,541 $1,689
Nationwide $2,066 $2,188
Progressive $1,949 $1,941
State Farm $1,826 $1,826
USAA $2,222 $2,234

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

Annual Vail, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,073 $5,842 $7,185 $5,763
American Family $2,801 $3,973 $5,208 $3,178
Farmers $4,157 $5,337 $5,265 $4,933
GEICO $1,814 $2,797 $3,291 $2,362
Liberty Mutual $2,459 $2,872 $2,991 $2,902
Nationwide $2,669 $3,650 $4,637 $2,939
Progressive $3,224 $4,488 $3,401 $3,750
State Farm $2,997 $3,520 $3,258 $3,258
USAA $2,554 $3,113 $5,478 $2,882

Cheap Vail, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Vail, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,185
American Family $5,208
Farmers $5,265
GEICO $3,291
Liberty Mutual $2,991
Nationwide $4,637
Progressive $3,401
State Farm $3,258
USAA $5,478

Cheap Vail, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Vail, Colorado

Insurance Company Poor Fair Good
Allstate $7,611 $5,861 $4,425
American Family $4,927 $3,507 $2,935
Farmers $5,701 $4,649 $4,419
GEICO $3,080 $2,566 $2,052
Liberty Mutual $4,017 $2,451 $1,951
Nationwide $4,201 $3,324 $2,896
Progressive $4,211 $3,609 $3,327
State Farm $4,530 $2,906 $2,340
USAA $5,205 $2,953 $2,362

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Cheap Vail, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Vail, Colorado

ZIP Code Average Annual Rates
81657 $3,482

Cheap Vail, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Vail, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,966 $5,966
American Family $3,709 $3,871
Farmers $4,923 $4,923
GEICO $2,516 $2,616
Liberty Mutual $2,806 $2,806
Nationwide $3,474 $3,474
Progressive $3,716 $3,716
State Farm $3,181 $3,336
USAA $3,407 $3,607

Cheap Vail, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Vail, Colorado

Insurance Company Low Medium High
Allstate $5,689 $5,948 $6,259
American Family $3,623 $3,868 $3,879
Farmers $4,380 $4,860 $5,529
GEICO $2,380 $2,534 $2,784
Liberty Mutual $2,685 $2,800 $2,935
Nationwide $3,517 $3,472 $3,432
Progressive $3,480 $3,726 $3,942
State Farm $3,073 $3,260 $3,442
USAA $3,366 $3,506 $3,648

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Best By Category: Cheapest Auto Insurance in Vail, Colorado

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

Best Annual Auto Insurance Rates by Company in Vail, Colorado

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

The Cheapest Vail, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Vail, Colorado

Insurance Company Average Annual Rates
Allstate $5,966
American Family $3,790
Farmers $4,923
GEICO $2,566
Liberty Mutual $2,806
Nationwide $3,474
Progressive $3,716
State Farm $3,258
USAA $3,507

What affects auto insurance rates in Vail, Colorado?

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

Vail Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Vail, Colorado commute length is 16.7 minutes according to City-Data.

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Compare Vail, Colorado Auto Insurance Quotes

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