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 Gypsum, CO for senior drivers are $2,239/year
  • Average car insurance rates in Gypsum, CO are $320/month
  • The cheapest car insurance company in Gypsum after a DUI is State Farm

Average car insurance rates in Gypsum, Colorado are $320 a month. But with a little research you can get a great deal from the top car insurance companies in Gypsum, CO. Before you buy Gypsum, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

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

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

Gypsum, CO Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Gypsum, Colorado

Insurance Company Low Medium High
Allstate $5,654 $5,868 $6,126
American Family $3,623 $3,868 $3,879
Farmers $4,380 $4,841 $5,477
GEICO $2,380 $2,534 $2,784
Liberty Mutual $2,989 $3,114 $3,262
Nationwide $3,517 $3,472 $3,432
Progressive $3,882 $4,108 $4,302
State Farm $3,051 $3,231 $3,408
USAA $3,329 $3,470 $3,612

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gypsum, 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 $3,595 $3,358 $3,211 $3,249 $12,490 $13,139 $3,988 $4,031
American Family $2,583 $2,583 $2,333 $2,333 $6,284 $8,441 $2,583 $3,178
Farmers $2,875 $2,848 $2,602 $2,790 $10,771 $10,882 $3,184 $3,247
GEICO $1,609 $1,772 $1,682 $1,894 $5,105 $5,462 $1,478 $1,526
Liberty Mutual $2,107 $2,112 $1,763 $1,932 $6,071 $6,640 $2,142 $2,205
Nationwide $2,313 $2,360 $2,066 $2,188 $5,843 $7,486 $2,658 $2,874
Progressive $2,467 $2,297 $2,121 $2,114 $8,600 $9,650 $2,801 $2,729
State Farm $2,026 $2,026 $1,813 $1,813 $5,828 $7,359 $2,268 $2,707
USAA $2,315 $2,318 $2,198 $2,206 $5,820 $6,673 $2,982 $3,252

Gypsum, CO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Gypsum, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,490 $13,139
American Family $6,284 $8,441
Farmers $10,771 $10,882
GEICO $5,105 $5,462
Liberty Mutual $6,071 $6,640
Nationwide $5,843 $7,486
Progressive $8,600 $9,650
State Farm $5,828 $7,359
USAA $5,820 $6,673

Gypsum, CO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Gypsum, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,211 $3,249
American Family $2,333 $2,333
Farmers $2,602 $2,790
GEICO $1,682 $1,894
Liberty Mutual $1,763 $1,932
Nationwide $2,066 $2,188
Progressive $2,121 $2,114
State Farm $1,813 $1,813
USAA $2,198 $2,206

Gypsum, CO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Gypsum, Colorado

Insurance Company Poor Fair Good
Allstate $7,497 $5,783 $4,369
American Family $4,927 $3,507 $2,935
Farmers $5,678 $4,625 $4,396
GEICO $3,080 $2,566 $2,052
Liberty Mutual $4,484 $2,716 $2,165
Nationwide $4,201 $3,324 $2,896
Progressive $4,642 $3,979 $3,671
State Farm $4,490 $2,881 $2,319
USAA $5,149 $2,924 $2,339

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Gypsum, CO Car Insurance Rates by Driver History

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

Annual Gypsum, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,006 $5,757 $7,083 $5,685
American Family $2,801 $3,973 $5,208 $3,178
Farmers $4,135 $5,311 $5,240 $4,912
GEICO $1,814 $2,797 $3,291 $2,362
Liberty Mutual $2,723 $3,193 $3,341 $3,229
Nationwide $2,669 $3,650 $4,637 $2,939
Progressive $3,557 $4,935 $3,753 $4,144
State Farm $2,973 $3,487 $3,230 $3,230
USAA $2,525 $3,080 $5,429 $2,848

Gypsum, CO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Gypsum, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,083
American Family $5,208
Farmers $5,240
GEICO $3,291
Liberty Mutual $3,341
Nationwide $4,637
Progressive $3,753
State Farm $3,230
USAA $5,429

Gypsum, CO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Gypsum, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,883 $5,883
American Family $3,709 $3,871
Farmers $4,900 $4,900
GEICO $2,516 $2,616
Liberty Mutual $3,122 $3,122
Nationwide $3,474 $3,474
Progressive $4,097 $4,097
State Farm $3,153 $3,307
USAA $3,372 $3,569

Gypsum, CO Cheapest Car Insurance Rates

How do the top Gypsum, Colorado car insurance companies’ average rates stack up against the Gypsum average monthly car insurance rates of $320? Take a look and see.

Best Annual Car Insurance Rates by Company in Gypsum, Colorado

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

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Gypsum, CO Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Gypsum, Colorado

Insurance Company Average Annual Rates
Allstate $5,883
American Family $3,790
Farmers $4,900
GEICO $2,566
Liberty Mutual $3,122
Nationwide $3,474
Progressive $4,097
State Farm $3,230
USAA $3,470

Other Factors Affecting Gypsum, CO Car Insurance Rates

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

Gypsum, CO Commute Time

How does your Gypsum, CO commute time compare with the average driver? In Gypsum, the average commute is 23.7 minutes.

Gypsum, CO Car Insurance Quotes

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