Best Cheap Auto Insurance in Watkins, CO (2021)

The average Watkins, CO auto insurance rates are $339 per month. The minimum auto insurance in Watkins is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Watkins, 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 Watkins, CO for senior drivers are $2,375 per year
  • The cheapest auto insurance company in Watkins is Liberty Mutual
  • The average commute length in Watkins is 28.5 minutes

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

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

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

Minimum Auto Insurance in Watkins, Colorado

Watkins, 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 Watkins, Colorado.

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

Auto insurance rates in Watkins, 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 Watkins, 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 $3,199 $2,979 $2,900 $2,927 $11,559 $12,181 $3,482 $3,482
American Family $2,527 $2,527 $2,280 $2,280 $6,118 $8,226 $2,527 $3,090
Farmers $3,304 $3,278 $2,988 $3,241 $13,034 $13,140 $3,628 $3,645
GEICO $1,913 $2,090 $2,031 $2,305 $5,947 $6,284 $1,748 $1,776
Liberty Mutual $1,889 $1,820 $1,624 $1,790 $5,990 $6,512 $1,900 $1,888
Nationwide $2,981 $3,033 $2,665 $2,817 $7,594 $9,723 $3,436 $3,714
Progressive $2,727 $2,550 $2,373 $2,367 $9,302 $10,386 $3,074 $2,985
State Farm $2,221 $2,221 $2,022 $2,022 $6,685 $8,445 $2,497 $2,957
USAA $2,145 $2,123 $2,068 $2,052 $5,528 $6,319 $2,750 $2,969

Cheap Watkins, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Watkins, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,559 $12,181
American Family $6,118 $8,226
Farmers $13,034 $13,140
GEICO $5,947 $6,284
Liberty Mutual $5,990 $6,512
Nationwide $7,594 $9,723
Progressive $9,302 $10,386
State Farm $6,685 $8,445
USAA $5,528 $6,319

Cheap Watkins, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Watkins, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,900 $2,927
American Family $2,280 $2,280
Farmers $2,988 $3,241
GEICO $2,031 $2,305
Liberty Mutual $1,624 $1,790
Nationwide $2,665 $2,817
Progressive $2,373 $2,367
State Farm $2,022 $2,022
USAA $2,068 $2,052

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

Annual Watkins, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,520 $5,228 $6,454 $5,152
American Family $2,735 $3,879 $5,073 $3,101
Farmers $4,877 $6,289 $6,206 $5,758
GEICO $2,127 $3,307 $3,832 $2,780
Liberty Mutual $2,573 $3,010 $3,101 $3,023
Nationwide $3,449 $4,727 $6,007 $3,799
Progressive $3,865 $5,422 $4,080 $4,514
State Farm $3,322 $3,946 $3,634 $3,634
USAA $2,361 $2,898 $5,060 $2,658

Cheap Watkins, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Watkins, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,454
American Family $5,073
Farmers $6,206
GEICO $3,832
Liberty Mutual $3,101
Nationwide $6,007
Progressive $4,080
State Farm $3,634
USAA $5,060

Cheap Watkins, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Watkins, Colorado

Insurance Company Poor Fair Good
Allstate $6,798 $5,254 $3,963
American Family $4,794 $3,422 $2,874
Farmers $6,710 $5,456 $5,181
GEICO $3,620 $3,012 $2,403
Liberty Mutual $4,171 $2,570 $2,039
Nationwide $5,439 $4,302 $3,746
Progressive $5,090 $4,341 $3,981
State Farm $5,047 $3,242 $2,612
USAA $4,771 $2,749 $2,213

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Cheap Watkins, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Watkins, Colorado

ZIP Code Average Annual Rates
80137 $3,768

Cheap Watkins, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Watkins, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,339 $5,339
American Family $3,617 $3,777
Farmers $5,782 $5,782
GEICO $2,947 $3,076
Liberty Mutual $2,927 $2,927
Nationwide $4,495 $4,495
Progressive $4,471 $4,471
State Farm $3,541 $3,726
USAA $3,153 $3,336

Cheap Watkins, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Watkins, Colorado

Insurance Company Low Medium High
Allstate $5,041 $5,320 $5,654
American Family $3,493 $3,773 $3,825
Farmers $4,967 $5,684 $6,696
GEICO $2,691 $2,950 $3,394
Liberty Mutual $2,732 $2,914 $3,134
Nationwide $4,472 $4,500 $4,514
Progressive $4,114 $4,485 $4,812
State Farm $3,349 $3,639 $3,913
USAA $3,069 $3,244 $3,420

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Best By Category: Cheapest Auto Insurance in Watkins, Colorado

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

Best Annual Auto Insurance Rates by Company in Watkins, Colorado

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

The Cheapest Watkins, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Watkins, Colorado

Insurance Company Average Annual Rates
Allstate $5,339
American Family $3,697
Farmers $5,782
GEICO $3,012
Liberty Mutual $2,927
Nationwide $4,495
Progressive $4,471
State Farm $3,634
USAA $3,244

What affects auto insurance rates in Watkins, Colorado?

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

Watkins Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Watkins, Colorado commute length is 28.5 minutes according to City-Data.

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Compare Watkins, Colorado Auto Insurance Quotes

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