Best Cheap Auto Insurance in Wray, CO (2021)

The average Wray, CO auto insurance rates are $327 per month. The minimum auto insurance in Wray is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Wray, 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 Wray, CO for senior drivers are $2,352 per year
  • The cheapest auto insurance company in Wray is Liberty Mutual
  • The most expensive auto insurance company in Wray for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Wray, Colorado

Wray, 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 Wray, Colorado.

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

Auto insurance rates in Wray, 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 Wray, 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 $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $2,924 $2,904 $2,655 $2,847 $10,582 $10,662 $3,216 $3,276
GEICO $2,352 $2,541 $2,410 $2,682 $7,136 $7,588 $2,165 $2,234
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 $2,966 $2,795 $2,491 $2,510 $9,058 $10,144 $3,365 $3,292
State Farm $2,167 $2,167 $1,916 $1,916 $5,863 $7,485 $2,411 $2,845
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap Wray, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wray, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,988 $8,011
Farmers $10,582 $10,662
GEICO $7,136 $7,588
Liberty Mutual $4,936 $5,368
Nationwide $6,746 $8,703
Progressive $9,058 $10,144
State Farm $5,863 $7,485
USAA $5,826 $6,723

Cheap Wray, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wray, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,230 $2,230
Farmers $2,655 $2,847
GEICO $2,410 $2,682
Liberty Mutual $1,500 $1,645
Nationwide $2,404 $2,557
Progressive $2,491 $2,510
State Farm $1,916 $1,916
USAA $2,298 $2,340

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

Annual Wray, 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 $2,676 $3,796 $4,955 $3,033
Farmers $4,132 $5,288 $5,217 $4,896
GEICO $2,600 $3,993 $4,523 $3,438
Liberty Mutual $2,237 $2,626 $2,733 $2,647
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $3,992 $5,410 $4,218 $4,691
State Farm $3,107 $3,585 $3,346 $3,346
USAA $2,644 $3,195 $5,527 $2,989

Cheap Wray, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wray, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,955
Farmers $5,217
GEICO $4,523
Liberty Mutual $2,733
Nationwide $5,431
Progressive $4,218
State Farm $3,346
USAA $5,527

Cheap Wray, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Wray, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,704 $3,340 $2,802
Farmers $5,683 $4,596 $4,370
GEICO $4,380 $3,638 $2,896
Liberty Mutual $3,662 $2,236 $1,785
Nationwide $4,899 $3,858 $3,367
Progressive $5,262 $4,434 $4,037
State Farm $4,652 $2,984 $2,402
USAA $5,346 $3,014 $2,405

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Cheap Wray, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Wray, Colorado

ZIP Code Average Annual Rates
80758 $3,613

Cheap Wray, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Wray, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,538 $3,692
Farmers $4,883 $4,883
GEICO $3,553 $3,724
Liberty Mutual $2,561 $2,561
Nationwide $4,041 $4,041
Progressive $4,578 $4,578
State Farm $3,265 $3,427
USAA $3,485 $3,692

Cheap Wray, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Wray, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,434 $3,690 $3,722
Farmers $4,343 $4,821 $5,485
GEICO $3,349 $3,583 $3,984
Liberty Mutual $2,414 $2,550 $2,718
Nationwide $4,103 $4,041 $3,980
Progressive $4,336 $4,587 $4,810
State Farm $3,167 $3,347 $3,524
USAA $3,452 $3,588 $3,726

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Best By Category: Cheapest Auto Insurance in Wray, Colorado

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

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

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

Average Annual Auto Insurance Rates by Company in Wray, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,615
Farmers $4,883
GEICO $3,638
Liberty Mutual $2,561
Nationwide $4,041
Progressive $4,578
State Farm $3,346
USAA $3,589

What affects auto insurance rates in Wray, Colorado?

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

Wray Commute Time

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

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Compare Wray, Colorado Auto Insurance Quotes

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