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 Nederland, CO are $331/month
  • Average car insurance rates in Nederland, CO for senior drivers are $2,325/year
  • The cheapest car insurance company in Nederland after a DUI is Liberty Mutual

Average car insurance rates in Nederland, Colorado are $331 a month. But with a little research you can get a great deal from the top car insurance companies in Nederland, CO. Before you buy Nederland, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

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

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

Nederland, CO Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Nederland, Colorado

Insurance Company Low Medium High
Allstate $4,902 $5,184 $5,522
American Family $3,674 $3,968 $4,022
Farmers $4,752 $5,302 $6,074
GEICO $2,855 $3,114 $3,558
Liberty Mutual $2,995 $3,158 $3,358
Nationwide $3,335 $3,378 $3,407
Progressive $3,879 $4,192 $4,467
State Farm $3,544 $3,792 $4,031
USAA $3,474 $3,631 $3,789

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Nederland, 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 $3,122 $2,908 $2,833 $2,860 $11,260 $11,856 $3,393 $3,392
American Family $2,658 $2,658 $2,399 $2,399 $6,433 $8,652 $2,658 $3,249
Farmers $3,126 $3,106 $2,826 $3,033 $11,886 $12,044 $3,459 $3,528
GEICO $2,004 $2,199 $2,126 $2,415 $6,291 $6,669 $1,832 $1,868
Liberty Mutual $2,124 $2,079 $1,799 $1,977 $6,251 $6,815 $2,145 $2,174
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,427 $2,249 $2,136 $2,115 $9,004 $10,097 $2,744 $2,664
State Farm $2,343 $2,343 $2,114 $2,114 $6,915 $8,720 $2,629 $3,134
USAA $2,393 $2,384 $2,284 $2,274 $6,200 $7,092 $3,082 $3,342

Nederland, CO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Nederland, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,260 $11,856
American Family $6,433 $8,652
Farmers $11,886 $12,044
GEICO $6,291 $6,669
Liberty Mutual $6,251 $6,815
Nationwide $5,702 $7,251
Progressive $9,004 $10,097
State Farm $6,915 $8,720
USAA $6,200 $7,092

Nederland, CO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Nederland, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,833 $2,860
American Family $2,399 $2,399
Farmers $2,826 $3,033
GEICO $2,126 $2,415
Liberty Mutual $1,799 $1,977
Nationwide $2,018 $2,122
Progressive $2,136 $2,115
State Farm $2,114 $2,114
USAA $2,284 $2,274

Nederland, CO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Nederland, Colorado

Insurance Company Poor Fair Good
Allstate $6,627 $5,119 $3,862
American Family $5,041 $3,600 $3,024
Farmers $6,230 $5,075 $4,823
GEICO $3,819 $3,176 $2,532
Liberty Mutual $4,545 $2,766 $2,200
Nationwide $4,068 $3,235 $2,817
Progressive $4,715 $4,063 $3,760
State Farm $5,265 $3,380 $2,722
USAA $5,375 $3,064 $2,454

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Nederland, CO Car Insurance Rates by Driver History

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

Annual Nederland, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,405 $5,095 $6,290 $5,021
American Family $2,880 $4,072 $5,338 $3,264
Farmers $4,540 $5,830 $5,751 $5,383
GEICO $2,238 $3,477 $4,061 $2,926
Liberty Mutual $2,771 $3,251 $3,381 $3,279
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,608 $5,114 $3,806 $4,190
State Farm $3,474 $4,104 $3,789 $3,789
USAA $2,621 $3,219 $5,729 $2,956

Nederland, CO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Nederland, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,290
American Family $5,338
Farmers $5,751
GEICO $4,061
Liberty Mutual $3,381
Nationwide $4,472
Progressive $3,806
State Farm $3,789
USAA $5,729

Nederland, CO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Nederland, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,203 $5,203
American Family $3,804 $3,972
Farmers $5,376 $5,376
GEICO $3,109 $3,243
Liberty Mutual $3,170 $3,170
Nationwide $3,373 $3,373
Progressive $4,179 $4,179
State Farm $3,697 $3,881
USAA $3,528 $3,735

Nederland, CO Cheapest Car Insurance Rates

How do the top Nederland, Colorado car insurance companies’ average rates stack up against the Nederland average monthly car insurance rates of $331? Take a look and see.

Best Annual Car Insurance Rates by Company in Nederland, Colorado

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

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Nederland, CO Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Nederland, Colorado

Insurance Company Average Annual Rates
Allstate $5,203
American Family $3,888
Farmers $5,376
GEICO $3,176
Liberty Mutual $3,170
Nationwide $3,373
Progressive $4,179
State Farm $3,789
USAA $3,631

Other Factors Affecting Nederland, CO Car Insurance Rates

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

Nederland, CO Commute Time

How does your Nederland, CO commute time compare with the average driver? In Nederland, the average commute is 36.7 minutes.

Nederland, CO Car Insurance Quotes

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