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

  • The cheapest car insurance company in Durango for teen drivers is GEICO
  • The cheapest car insurance company in Durango after a DUI is State Farm
  • Average car insurance rates in Durango, CO are $308/month

Average car insurance rates in Durango, Colorado are $308 a month. But with a little research you can get a great deal from the top car insurance companies in Durango, CO. Before you buy Durango, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Durango car insurance rates with Aurora car insurance rates, Fort Collins car insurance rates, or Boulder car insurance rates to make sure you’re getting the best Durango, CO car insurance quotes available.

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

Durango, CO Minimum Car Insurance Coverage

Durango, 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 Durango, 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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Durango, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Durango, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,372 $3,615 $3,636
Farmers $4,203 $4,699 $5,388
GEICO $2,623 $2,792 $3,066
Liberty Mutual $2,775 $2,920 $3,095
Nationwide $3,375 $3,348 $3,326
Progressive $3,785 $4,037 $4,259
State Farm $2,825 $3,004 $3,181
USAA $3,231 $3,364 $3,498

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Durango, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,423 $2,423 $2,184 $2,184 $5,867 $7,848 $2,423 $2,976
Farmers $2,815 $2,792 $2,552 $2,745 $10,444 $10,521 $3,096 $3,141
GEICO $1,824 $1,969 $1,866 $2,072 $5,555 $5,909 $1,684 $1,737
Liberty Mutual $2,018 $1,991 $1,707 $1,873 $5,616 $6,124 $2,037 $2,071
Nationwide $2,261 $2,310 $2,019 $2,144 $5,547 $7,138 $2,582 $2,798
Progressive $2,506 $2,348 $2,147 $2,149 $8,240 $9,226 $2,836 $2,766
State Farm $1,912 $1,912 $1,705 $1,705 $5,344 $6,789 $2,134 $2,526
USAA $2,277 $2,292 $2,153 $2,182 $5,513 $6,341 $2,936 $3,222

Durango, CO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Durango, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,867 $7,848
Farmers $10,444 $10,521
GEICO $5,555 $5,909
Liberty Mutual $5,616 $6,124
Nationwide $5,547 $7,138
Progressive $8,240 $9,226
State Farm $5,344 $6,789
USAA $5,513 $6,341

Durango, CO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Durango, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,184 $2,184
Farmers $2,552 $2,745
GEICO $1,866 $2,072
Liberty Mutual $1,707 $1,873
Nationwide $2,019 $2,144
Progressive $2,147 $2,149
State Farm $1,705 $1,705
USAA $2,153 $2,182

Durango, CO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Durango, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,610 $3,271 $2,742
Farmers $5,537 $4,488 $4,265
GEICO $3,396 $2,827 $2,257
Liberty Mutual $4,200 $2,552 $2,037
Nationwide $4,057 $3,198 $2,795
Progressive $4,591 $3,907 $3,583
State Farm $4,172 $2,679 $2,158
USAA $5,000 $2,831 $2,262

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Durango, CO Car Insurance Rates by Driver History

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

Annual Durango, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,619 $3,721 $4,854 $2,969
Farmers $4,026 $5,165 $5,096 $4,767
GEICO $2,023 $3,106 $3,517 $2,661
Liberty Mutual $2,553 $3,002 $3,135 $3,029
Nationwide $2,567 $3,521 $4,482 $2,830
Progressive $3,501 $4,822 $3,695 $4,090
State Farm $2,775 $3,231 $3,003 $3,003
USAA $2,475 $2,997 $5,192 $2,794

Durango, CO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Durango, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $4,854
Farmers $5,096
GEICO $3,517
Liberty Mutual $3,135
Nationwide $4,482
Progressive $3,695
State Farm $3,003
USAA $5,192

Durango, CO Car Insurance Rates by ZIP Code

Just like Durango car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Durango, CO car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Durango, Colorado

ZIP Code Average Annual Rates
81301 $3,388
81303 $3,400

Durango, CO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Durango, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,466 $3,616
Farmers $4,763 $4,763
GEICO $2,763 $2,890
Liberty Mutual $2,930 $2,930
Nationwide $3,350 $3,350
Progressive $4,027 $4,027
State Farm $2,930 $3,076
USAA $3,268 $3,461

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Durango, CO Cheapest Car Insurance Rates

How do the top Durango, Colorado car insurance companies’ average rates stack up against the Durango average monthly car insurance rates of $308? Take a look and see.

Best Annual Car Insurance Rates by Company in Durango, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Durango, CO Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Durango, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,541
Farmers $4,763
GEICO $2,827
Liberty Mutual $2,930
Nationwide $3,350
Progressive $4,027
State Farm $3,003
USAA $3,364

Other Factors Affecting Durango, CO Car Insurance Rates

Before you buy Durango, Colorado car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Durango, CO Commute Time

How does your Durango, CO commute time compare with the average driver? In Durango, the average commute is 15.6 minutes.

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Durango, CO Car Insurance Quotes

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