How much does auto insurance cost in Fort Collins?

 

Car insurance costs an average of $1,536 per year in Fort Collins. That's cheaper than the statewide average in Colorado ($1,757) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Fort Collins.

 
AUTO INSURANCE COSTS: FORT COLLINS VS. STATE AND US AVERAGES
Fort Collins Average (yearly) Colorado Average National Average
$1,536 $1,757 $1,548
 
Jump to insurance rates by:
  • Company
  • Age group
  • Gender and marital status
  • Driving record
  • Credit rating

 

 

Fort Collins auto insurance rates by provider

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Fort Collins, USAA offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Fort Collins below. Use this information as a starting point and be sure to gather quotes specific to your unique driving profile.

 
FORT COLLINS AUTO INSURANCE RATES BY COMPANY
Company Average Annual Rate
USAA $993
GEICO $1,032
State Farm $1,191
Allstate $1,604
American Family $1,777
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Fort Collins auto insurance rates by age

Fort Collins drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,371 per year, on average. Those in their 60s don't pay much more ($1,382).

Teenage drivers pay Fort Collins's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Fort Collins is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Fort Collins is $3,449, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN FORT COLLINS
Age Average Annual Rate
Teenagers $5,381
20s $1,931
30s $1,499
40s $1,456
50s $1,371
60s $1,382
70s $1,615
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Fort Collins car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Fort Collins pay $98 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Fort Collins, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Fort Collins, female drivers pay $10 per year more than do male drivers.

 
FORT COLLINS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $1,546
Male $1,536
Single $1,439
Married $1,439
Divorced $1,536
Widowed $1,478
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Fort Collins car insurance costs by violation history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Fort Collins drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $572 per year versus the city average. A ticket for speeding results in a $281 rate hike, on average, while a DUI violation costs $541 per year in insurance premiums.

 
AVERAGE FORT COLLINS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Yearly Rate
DUI/DWI $2,077
Reckless Driving $2,107
At-fault Accident (damages less than $1,000) $1,927
At-fault Accident (damages greater than $2,000) $2,183
Speeding Ticket (16-20 mph over speed limit) $1,816
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Fort Collins auto insurance rates by credit tier

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Fort Collins, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 58% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Fort Collins, improving your credit to "Fair" could help you earn a $1,110 decrease in annual car insurance rates.

 
FORT COLLINS CAR INSURANCE RATES BY CREDIT SCORE
Credit Tier Average Annual Rate
Very Poor $2,978
Fair $1,869
Good $1,536
Very Good $1,397
Exceptional $1,264
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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