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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Fort Collins, CO are $282/month
  • The cheapest car insurance company in Fort Collins for teen drivers is USAA
  • The cheapest car insurance company in Fort Collins after a DUI is Liberty Mutual

Average car insurance rates in Fort Collins, Colorado are $282 a month. But with a little research you can get a great deal from the top car insurance companies in Fort Collins, CO. Before you buy Fort Collins, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

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

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

Fort Collins, CO Minimum Car Insurance Coverage

Fort Collins, 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 Fort Collins, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Fort Collins, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fort Collins, Colorado

Insurance Company Low Medium High
Allstate $4,091 $4,336 $4,631
American Family $3,245 $3,511 $3,561
Farmers $4,116 $4,630 $5,343
GEICO $2,479 $2,740 $3,172
Liberty Mutual $2,254 $2,407 $2,591
Nationwide $3,381 $3,402 $3,409
Progressive $3,362 $3,685 $3,968
State Farm $2,747 $2,968 $3,178
USAA $2,619 $2,757 $2,897

Fort Collins, CO Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Collins, 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 $2,664 $2,492 $2,419 $2,442 $9,256 $9,738 $2,903 $2,906
American Family $2,353 $2,353 $2,126 $2,126 $5,682 $7,645 $2,353 $2,874
Farmers $2,749 $2,723 $2,491 $2,689 $10,396 $10,458 $3,018 $3,045
GEICO $1,754 $1,924 $1,886 $2,162 $5,569 $5,868 $1,601 $1,615
Liberty Mutual $1,554 $1,456 $1,324 $1,462 $4,966 $5,430 $1,570 $1,577
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,215 $2,070 $1,953 $1,942 $7,704 $8,590 $2,488 $2,412
State Farm $1,822 $1,822 $1,652 $1,652 $5,431 $6,858 $2,047 $2,429
USAA $1,847 $1,837 $1,773 $1,769 $4,633 $5,288 $2,361 $2,553

Fort Collins, CO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fort Collins, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,256 $9,738
American Family $5,682 $7,645
Farmers $10,396 $10,458
GEICO $5,569 $5,868
Liberty Mutual $4,966 $5,430
Nationwide $5,724 $7,310
Progressive $7,704 $8,590
State Farm $5,431 $6,858
USAA $4,633 $5,288

Fort Collins, CO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fort Collins, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,419 $2,442
American Family $2,126 $2,126
Farmers $2,491 $2,689
GEICO $1,886 $2,162
Liberty Mutual $1,324 $1,462
Nationwide $2,028 $2,139
Progressive $1,953 $1,942
State Farm $1,652 $1,652
USAA $1,773 $1,769

Fort Collins, CO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fort Collins, Colorado

Insurance Company Poor Fair Good
Allstate $5,541 $4,279 $3,238
American Family $4,452 $3,187 $2,678
Farmers $5,454 $4,428 $4,207
GEICO $3,360 $2,797 $2,234
Liberty Mutual $3,434 $2,125 $1,693
Nationwide $4,099 $3,254 $2,838
Progressive $4,164 $3,568 $3,283
State Farm $4,118 $2,644 $2,131
USAA $4,058 $2,335 $1,879

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Fort Collins, CO Car Insurance Rates by Driver History

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

Annual Fort Collins, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,709 $4,269 $5,226 $4,205
American Family $2,543 $3,618 $4,712 $2,882
Farmers $3,966 $5,099 $5,030 $4,689
GEICO $1,961 $3,077 $3,604 $2,547
Liberty Mutual $2,130 $2,485 $2,561 $2,494
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,176 $4,470 $3,349 $3,692
State Farm $2,714 $3,215 $2,964 $2,964
USAA $2,024 $2,466 $4,266 $2,275

Fort Collins, CO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fort Collins, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,226
American Family $4,712
Farmers $5,030
GEICO $3,604
Liberty Mutual $2,561
Nationwide $4,523
Progressive $3,349
State Farm $2,964
USAA $4,266

Fort Collins, CO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Fort Collins, Colorado

ZIP Code Average Annual Rates
80521 $3,097
80523 $3,243
80524 $3,144
80525 $3,084
80526 $3,110
80528 $3,141

Fort Collins, CO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fort Collins, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,353 $4,353
American Family $3,365 $3,513
Farmers $4,696 $4,696
GEICO $2,741 $2,854
Liberty Mutual $2,417 $2,417
Nationwide $3,397 $3,397
Progressive $3,672 $3,672
State Farm $2,890 $3,038
USAA $2,681 $2,834

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Fort Collins, CO Cheapest Car Insurance Rates

How do the top Fort Collins, Colorado car insurance companies’ average rates stack up against the Fort Collins average monthly car insurance rates of $282? Take a look and see.

Best Annual Car Insurance Rates by Company in Fort Collins, 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

Fort Collins, CO Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Fort Collins, Colorado

Insurance Company Average Annual Rates
Allstate $4,353
American Family $3,439
Farmers $4,696
GEICO $2,797
Liberty Mutual $2,417
Nationwide $3,397
Progressive $3,672
State Farm $2,964
USAA $2,758

Other Factors Affecting Fort Collins, CO Car Insurance Rates

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

Fort Collins, CO Commute Time

How does your Fort Collins, CO commute time compare with the average driver? In Fort Collins, the average commute is 20.5 minutes.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Fort Collins, CO Car Insurance Quotes

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