Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Arapahoe, CO are $327/month
  • The cheapest car insurance company in Arapahoe for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Arapahoe after a DUI is Liberty Mutual

Average car insurance rates in Arapahoe, Colorado are $327 a month. But with a little research you can get a great deal from the top car insurance companies in Arapahoe, CO. Before you buy Arapahoe, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Arapahoe car insurance rates with Boulder car insurance rates, Greeley car insurance rates, or Pueblo car insurance rates to make sure you’re getting the best Arapahoe, CO car insurance quotes available.

Need affordable Arapahoe, CO car insurance? Enter your ZIP code to compare Arapahoe car insurance quotes from multiple car insurance companies near you.

Arapahoe, CO Minimum Car Insurance Coverage

Arapahoe, Colorado law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Arapahoe, 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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Arapahoe, CO Car Insurance Rates by Coverage Level

Some Arapahoe drivers can get by with the Colorado minimum coverage of 25/50/15. Other drivers may need more. See how much your Arapahoe, Colorado car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Arapahoe, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,205 $3,423 $3,432
Farmers $4,781 $5,292 $5,996
GEICO $3,183 $3,423 $3,833
Liberty Mutual $2,456 $2,588 $2,752
Nationwide $4,052 $4,001 $3,949
Progressive $4,575 $4,844 $5,086
State Farm $2,818 $2,986 $3,153
USAA $3,452 $3,588 $3,726

Arapahoe, CO Car Insurance Rates by Age, Gender, and Marital Status

Arapahoe, Colorado car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Arapahoe, CO car insurance, get quotes from multiple car insurance companies in the Arapahoe area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arapahoe, 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 $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,261 $3,242 $2,964 $3,173 $11,464 $11,544 $3,568 $3,633
GEICO $2,262 $2,432 $2,320 $2,581 $6,808 $7,210 $2,084 $2,141
Liberty Mutual $1,827 $1,796 $1,553 $1,701 $4,889 $5,318 $1,840 $1,865
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,122 $2,941 $2,622 $2,641 $9,589 $10,751 $3,544 $3,469
State Farm $1,941 $1,941 $1,717 $1,717 $5,211 $6,661 $2,159 $2,539
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Arapahoe, CO Car Insurance Rates for Teens

How much is Arapahoe, Colorado car insurance for teens? Compare rates from top Arapahoe car insurance companies below to help find the cheapest teen car insurance in Arapahoe, CO.

Annual Car Insurance Rates for Teen Drivers in Arapahoe, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,559 $7,395
Farmers $11,464 $11,544
GEICO $6,808 $7,210
Liberty Mutual $4,889 $5,318
Nationwide $6,687 $8,617
Progressive $9,589 $10,751
State Farm $5,211 $6,661
USAA $5,826 $6,723

Arapahoe, CO Car Insurance Rates for Seniors

Before seniors buy Arapahoe, Colorado car insurance, they should make sure to shop around. Some Arapahoe, CO car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Arapahoe, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,070 $2,070
Farmers $2,964 $3,173
GEICO $2,320 $2,581
Liberty Mutual $1,553 $1,701
Nationwide $2,380 $2,529
Progressive $2,622 $2,641
State Farm $1,717 $1,717
USAA $2,298 $2,340

Arapahoe, CO Car Insurance Rates by Credit History

How does your credit history affect Arapahoe, CO car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Arapahoe, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,381 $3,091 $2,589
Farmers $6,241 $5,036 $4,791
GEICO $4,188 $3,479 $2,771
Liberty Mutual $3,727 $2,261 $1,808
Nationwide $4,848 $3,820 $3,334
Progressive $5,559 $4,683 $4,263
State Farm $4,148 $2,664 $2,146
USAA $5,346 $3,014 $2,405

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Arapahoe, CO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Arapahoe, Colorado car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Arapahoe.

Annual Arapahoe, Colorado Car 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 $2,482 $3,532 $4,589 $2,811
Farmers $4,545 $5,797 $5,713 $5,369
GEICO $2,491 $3,832 $4,302 $3,293
Liberty Mutual $2,263 $2,661 $2,782 $2,689
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,213 $5,721 $4,453 $4,953
State Farm $2,775 $3,196 $2,986 $2,986
USAA $2,644 $3,195 $5,527 $2,989

Arapahoe, CO Car Insurance Rates With a DUI

Even a single DUI can increase your Arapahoe, CO car insurance rates. Compare rates below to see which Arapahoe car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Arapahoe, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,589
Farmers $5,713
GEICO $4,302
Liberty Mutual $2,782
Nationwide $5,371
Progressive $4,453
State Farm $2,986
USAA $5,527

Arapahoe, CO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Arapahoe, CO car insurance rates may be. Let’s take a look at average car insurance rates from top Arapahoe companies based on commute time.

Annual Car Insurance Rates by Commute Length in Arapahoe, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,283 $3,424
Farmers $5,356 $5,356
GEICO $3,397 $3,562
Liberty Mutual $2,599 $2,599
Nationwide $4,001 $4,001
Progressive $4,835 $4,835
State Farm $2,913 $3,059
USAA $3,485 $3,692

Arapahoe, CO Cheapest Car Insurance Rates

How do the top Arapahoe, Colorado car insurance companies’ average rates stack up against the Arapahoe average monthly car insurance rates of $327? Take a look and see.

Best Annual Car Insurance Rates by Company in Arapahoe, 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

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Arapahoe, CO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Arapahoe, Colorado car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Arapahoe, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,353
Farmers $5,356
GEICO $3,480
Liberty Mutual $2,599
Nationwide $4,001
Progressive $4,835
State Farm $2,986
USAA $3,589

Arapahoe, CO Car Insurance Quotes

Compare Arapahoe, CO car insurance quotes from multiple companies by entering your ZIP code now.