Best Cheap Auto Insurance in Whitewater, CO (2021)

The average Whitewater, CO auto insurance rates are $286 per month. The minimum auto insurance in Whitewater is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Whitewater, 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 most expensive auto insurance company in Whitewater for teen drivers is Allstate
  • Average auto insurance rates in Whitewater, CO for senior drivers are $2,007 per year
  • The cheapest auto insurance company in Whitewater is GEICO

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

Compare auto insurance in Whitewater to other Colorado cities, including Arvada auto insurance rates, Denver auto insurance rates, and Lakewood auto insurance rates to see how Whitewater, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Whitewater, Colorado

Whitewater, 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 Whitewater, Colorado.

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

Auto insurance rates in Whitewater, 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 Whitewater, 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 $3,399 $3,168 $3,048 $3,082 $11,907 $12,495 $3,744 $3,779
American Family $2,235 $2,235 $2,022 $2,022 $5,392 $7,258 $2,235 $2,730
Farmers $2,988 $2,960 $2,713 $2,923 $11,095 $11,142 $3,290 $3,334
GEICO $1,361 $1,491 $1,442 $1,636 $4,281 $4,536 $1,249 $1,271
Liberty Mutual $1,549 $1,511 $1,310 $1,439 $4,828 $5,279 $1,573 $1,600
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,224 $2,078 $1,943 $1,934 $7,679 $8,593 $2,508 $2,440
State Farm $1,757 $1,757 $1,593 $1,593 $5,245 $6,611 $1,974 $2,349
USAA $2,006 $2,006 $1,910 $1,917 $4,983 $5,703 $2,573 $2,799

Cheap Whitewater, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Whitewater, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,907 $12,495
American Family $5,392 $7,258
Farmers $11,095 $11,142
GEICO $4,281 $4,536
Liberty Mutual $4,828 $5,279
Nationwide $4,935 $6,278
Progressive $7,679 $8,593
State Farm $5,245 $6,611
USAA $4,983 $5,703

Cheap Whitewater, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Whitewater, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,048 $3,082
American Family $2,022 $2,022
Farmers $2,713 $2,923
GEICO $1,442 $1,636
Liberty Mutual $1,310 $1,439
Nationwide $1,754 $1,845
Progressive $1,943 $1,934
State Farm $1,593 $1,593
USAA $1,910 $1,917

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

Annual Whitewater, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,731 $5,450 $6,742 $5,388
American Family $2,414 $3,444 $4,471 $2,736
Farmers $4,266 $5,481 $5,413 $5,063
GEICO $1,527 $2,370 $2,760 $1,977
Liberty Mutual $2,098 $2,446 $2,535 $2,465
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $3,186 $4,449 $3,360 $3,705
State Farm $2,618 $3,102 $2,860 $2,860
USAA $2,188 $2,662 $4,635 $2,464

Cheap Whitewater, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Whitewater, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,742
American Family $4,471
Farmers $5,413
GEICO $2,760
Liberty Mutual $2,535
Nationwide $3,877
Progressive $3,360
State Farm $2,860
USAA $4,635

Cheap Whitewater, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Whitewater, Colorado

Insurance Company Poor Fair Good
Allstate $7,113 $5,479 $4,141
American Family $4,225 $3,029 $2,544
Farmers $5,886 $4,759 $4,521
GEICO $2,586 $2,158 $1,731
Liberty Mutual $3,400 $2,092 $1,668
Nationwide $3,525 $2,806 $2,447
Progressive $4,169 $3,570 $3,286
State Farm $3,971 $2,552 $2,057
USAA $4,418 $2,521 $2,022

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Cheap Whitewater, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Whitewater, Colorado

ZIP Code Average Annual Rates
81527 $3,176

Cheap Whitewater, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Whitewater, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,578 $5,578
American Family $3,196 $3,336
Farmers $5,056 $5,056
GEICO $2,116 $2,201
Liberty Mutual $2,386 $2,386
Nationwide $2,926 $2,926
Progressive $3,675 $3,675
State Farm $2,790 $2,930
USAA $2,903 $3,071

Cheap Whitewater, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Whitewater, Colorado

Insurance Company Low Medium High
Allstate $5,340 $5,562 $5,832
American Family $3,084 $3,335 $3,379
Farmers $4,456 $4,986 $5,724
GEICO $1,955 $2,123 $2,397
Liberty Mutual $2,261 $2,379 $2,520
Nationwide $2,909 $2,928 $2,941
Progressive $3,410 $3,686 $3,930
State Farm $2,658 $2,862 $3,059
USAA $2,856 $2,986 $3,119

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Best By Category: Cheapest Auto Insurance in Whitewater, Colorado

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

Best Annual Auto Insurance Rates by Company in Whitewater, 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 Whitewater, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Whitewater, Colorado

Insurance Company Average Annual Rates
Allstate $5,578
American Family $3,266
Farmers $5,056
GEICO $2,158
Liberty Mutual $2,386
Nationwide $2,926
Progressive $3,675
State Farm $2,860
USAA $2,987

Compare Whitewater, Colorado Auto Insurance Quotes

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