Best Cheap Auto Insurance in Ward, CO (2021)

The average Ward, CO auto insurance rates are $318 per month. The minimum auto insurance in Ward is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Ward, 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 minimum auto insurance required in Ward, Colorado is 25/50/15
  • The most expensive auto insurance company in Ward for teen drivers is Farmers
  • The cheapest auto insurance company in Ward is Liberty Mutual

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

Compare auto insurance in Ward to other Colorado cities, including Aurora auto insurance rates, Pueblo auto insurance rates, and Colorado Springs auto insurance rates to see how Ward, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Ward, Colorado

Ward, 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 Ward, Colorado.

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

Auto insurance rates in Ward, 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 Ward, 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 $2,905 $2,711 $2,626 $2,652 $10,210 $10,742 $3,175 $3,187
American Family $2,573 $2,573 $2,329 $2,329 $6,208 $8,376 $2,573 $3,137
Farmers $3,223 $3,209 $2,907 $3,116 $12,381 $12,604 $3,559 $3,628
GEICO $2,004 $2,199 $2,126 $2,415 $6,291 $6,669 $1,832 $1,868
Liberty Mutual $1,795 $1,730 $1,529 $1,684 $5,765 $6,289 $1,816 $1,828
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,474 $2,293 $2,179 $2,157 $9,213 $10,332 $2,798 $2,715
State Farm $2,189 $2,189 $1,982 $1,982 $6,491 $8,193 $2,457 $2,918
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

Cheap Ward, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ward, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,210 $10,742
American Family $6,208 $8,376
Farmers $12,381 $12,604
GEICO $6,291 $6,669
Liberty Mutual $5,765 $6,289
Nationwide $5,702 $7,251
Progressive $9,213 $10,332
State Farm $6,491 $8,193
USAA $5,128 $5,847

Cheap Ward, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ward, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,626 $2,652
American Family $2,329 $2,329
Farmers $2,907 $3,116
GEICO $2,126 $2,415
Liberty Mutual $1,529 $1,684
Nationwide $2,018 $2,122
Progressive $2,179 $2,157
State Farm $1,982 $1,982
USAA $1,918 $1,904

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

Annual Ward, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,056 $4,674 $5,760 $4,613
American Family $2,787 $3,944 $5,159 $3,158
Farmers $4,721 $6,054 $5,964 $5,574
GEICO $2,238 $3,477 $4,061 $2,926
Liberty Mutual $2,468 $2,879 $2,973 $2,898
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,684 $5,230 $3,888 $4,280
State Farm $3,252 $3,848 $3,550 $3,550
USAA $2,191 $2,686 $4,693 $2,465

Cheap Ward, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ward, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,760
American Family $5,159
Farmers $5,964
GEICO $4,061
Liberty Mutual $2,973
Nationwide $4,472
Progressive $3,888
State Farm $3,550
USAA $4,693

Cheap Ward, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ward, Colorado

Insurance Company Poor Fair Good
Allstate $6,080 $4,696 $3,552
American Family $4,858 $3,492 $2,937
Farmers $6,446 $5,274 $5,015
GEICO $3,819 $3,176 $2,532
Liberty Mutual $4,001 $2,460 $1,953
Nationwide $4,068 $3,235 $2,817
Progressive $4,817 $4,152 $3,842
State Farm $4,930 $3,167 $2,553
USAA $4,426 $2,549 $2,051

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Cheap Ward, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ward, Colorado

ZIP Code Average Annual Rates
80481 $3,537

Cheap Ward, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ward, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,776 $4,776
American Family $3,680 $3,844
Farmers $5,578 $5,578
GEICO $3,109 $3,243
Liberty Mutual $2,805 $2,805
Nationwide $3,373 $3,373
Progressive $4,270 $4,270
State Farm $3,462 $3,638
USAA $2,925 $3,093

Cheap Ward, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ward, Colorado

Insurance Company Low Medium High
Allstate $4,533 $4,760 $5,034
American Family $3,548 $3,840 $3,898
Farmers $4,917 $5,500 $6,318
GEICO $2,855 $3,114 $3,558
Liberty Mutual $2,636 $2,793 $2,985
Nationwide $3,335 $3,378 $3,407
Progressive $3,959 $4,284 $4,568
State Farm $3,298 $3,553 $3,799
USAA $2,855 $3,009 $3,163

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Best By Category: Cheapest Auto Insurance in Ward, Colorado

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

Best Annual Auto Insurance Rates by Company in Ward, Colorado

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

The Cheapest Ward, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ward, Colorado

Insurance Company Average Annual Rates
Allstate $4,776
American Family $3,762
Farmers $5,578
GEICO $3,176
Liberty Mutual $2,805
Nationwide $3,373
Progressive $4,270
State Farm $3,550
USAA $3,009

What affects auto insurance rates in Ward, Colorado?

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

Ward Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ward, Colorado commute length is 34.5 minutes according to City-Data.

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Compare Ward, Colorado Auto Insurance Quotes

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