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 Fort Morgan for teen drivers is Liberty Mutual
  • Average car insurance rates in Fort Morgan, CO for senior drivers are $2,355/year
  • The cheapest car insurance company in Fort Morgan after a DUI is Liberty Mutual

Average car insurance rates in Fort Morgan, Colorado are $329 a month. But with a little research you can get a great deal from the top car insurance companies in Fort Morgan, CO. Before you buy Fort Morgan, 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 Morgan car insurance rates with Colorado Springs car insurance rates, Fort Collins car insurance rates, or Arvada car insurance rates to make sure you’re getting the best Fort Morgan, CO car insurance quotes available.

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

Fort Morgan, CO Minimum Car Insurance Coverage

Fort Morgan, 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 Morgan, 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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Fort Morgan, CO Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,434 $3,690 $3,722
Farmers $4,777 $5,316 $6,072
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,263 $2,401 $2,571
Nationwide $4,310 $4,274 $4,232
Progressive $4,317 $4,623 $4,895
State Farm $2,828 $3,005 $3,180
USAA $3,378 $3,514 $3,651

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Morgan, 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 $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,475 $2,475 $2,230 $2,230 $5,988 $8,011 $2,475 $3,035
Farmers $3,239 $3,232 $2,938 $3,140 $11,609 $11,765 $3,554 $3,630
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,603 $1,545 $1,371 $1,507 $4,802 $5,227 $1,616 $1,624
Nationwide $2,847 $2,907 $2,537 $2,693 $7,160 $9,216 $3,269 $3,545
Progressive $2,955 $2,782 $2,507 $2,520 $9,217 $10,307 $3,343 $3,264
State Farm $1,937 $1,937 $1,719 $1,719 $5,282 $6,739 $2,157 $2,541
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

Fort Morgan, CO Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $5,988 $8,011
Farmers $11,609 $11,765
GEICO $6,794 $7,203
Liberty Mutual $4,802 $5,227
Nationwide $7,160 $9,216
Progressive $9,217 $10,307
State Farm $5,282 $6,739
USAA $5,738 $6,613

Fort Morgan, CO Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,230 $2,230
Farmers $2,938 $3,140
GEICO $2,315 $2,572
Liberty Mutual $1,371 $1,507
Nationwide $2,537 $2,693
Progressive $2,507 $2,520
State Farm $1,719 $1,719
USAA $2,247 $2,282

Fort Morgan, CO Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,704 $3,340 $2,802
Farmers $6,267 $5,072 $4,826
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,439 $2,113 $1,684
Nationwide $5,176 $4,081 $3,558
Progressive $5,294 $4,470 $4,072
State Farm $4,173 $2,680 $2,159
USAA $5,230 $2,954 $2,359

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Fort Morgan, CO Car Insurance Rates by Driver History

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

Annual Fort Morgan, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,676 $3,796 $4,955 $3,033
Farmers $4,575 $5,832 $5,746 $5,400
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,117 $2,475 $2,563 $2,493
Nationwide $3,262 $4,492 $5,732 $3,601
Progressive $4,011 $5,490 $4,238 $4,709
State Farm $2,786 $3,222 $3,004 $3,004
USAA $2,584 $3,128 $5,426 $2,919

Fort Morgan, CO Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,277
American Family $4,955
Farmers $5,746
GEICO $4,295
Liberty Mutual $2,563
Nationwide $5,732
Progressive $4,238
State Farm $3,004
USAA $5,426

Fort Morgan, CO Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,538 $3,692
Farmers $5,388 $5,388
GEICO $3,392 $3,557
Liberty Mutual $2,412 $2,412
Nationwide $4,272 $4,272
Progressive $4,612 $4,612
State Farm $2,930 $3,078
USAA $3,413 $3,615

Fort Morgan, CO Cheapest Car Insurance Rates

How do the top Fort Morgan, Colorado car insurance companies’ average rates stack up against the Fort Morgan average monthly car insurance rates of $329? Take a look and see.

Best Annual Car Insurance Rates by Company in Fort Morgan, 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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Fort Morgan, CO Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,615
Farmers $5,388
GEICO $3,475
Liberty Mutual $2,412
Nationwide $4,272
Progressive $4,612
State Farm $3,004
USAA $3,514

Other Factors Affecting Fort Morgan, CO Car Insurance Rates

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

Fort Morgan, CO Commute Time

How does your Fort Morgan, CO commute time compare with the average driver? In Fort Morgan, the average commute is 16.9 minutes.

Fort Morgan, CO Car Insurance Quotes

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