The best car insurance in Greeley, CO

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 15, 2021

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The average cost of full coverage car insurance in Greeley is $1,678 a year, slightly under the Colorado state average of $1,751. But what you pay for car insurance can change based on individual factors, like your age, credit score and driving history.

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The best way to ensure you’re getting a good deal on your car insurance is to compare rates from multiple companies before you buy. Policygenius can help you see quotes and choose the best coverage for you.

Key Takeaways

  • American National has the lowest average rate for full coverage car insurance in Greeley at $752

  • 80634 is the cheapest ZIP code for car insurance in Greeley

  • Colorado requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage.

Cheapest car insurance companies in Greeley, CO

All car insurance companies look at the same information to calculate rates, but they each have their own method for crunching the numbers. That’s why a single driver can get wildly different quotes from multiple companies.

Company

Average cost

JD Power Rating

American National

$752

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GEICO

$966

871

USAA

$1,075

890

State Farm

$1,129

881

Farmers Union

$1,350

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Cheapest car insurance rates by ZIP code in Greeley, CO

Where you live in a given city also plays a big role in determining car insurance rates. Crime rates, frequency of traffic accidents, and average repair costs in your area can affect your insurance rates.

ZIP code

Average cost

80631

$1,668

80634

$1,614

80639

$1,751

Choosing the right car insurance company in Greeley, CO

Choosing a car insurance policy can feel complicated, but it doesn't have to be. There are a few key factors to consider when picking a car insurance company:

  • Cost: Different companies charge different rates for similar coverage, that's why it's important to look at quotes from multiple insurance companies to find the best rate

  • Coverage: Make sure the company you choose offers the coverage you need. If you need multiple policies, ask about bundling options

  • Customer service: Do a little research on the insurance company itself. Read customer reviews and ratings to see how the company stacks up

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies so you can choose the option that’s right for you.

Car insurance rates for drivers with driving violations in Greeley, CO

Your driving history is another important factor that companies use when setting rates. If you have past violations, like speeding tickets or other moving violations, you will pay higher car insurance rates. The more serious the violation, the bigger the increase in cost.

Violation

American National

GEICO

USAA

State Farm

Farmers Union

At-fault Accident

$1,074

$1,661

$1,614

$1,326

$2,165

DUI

$1,209

$1,894

$2,363

$1,237

$2,286

Driving with a suspended license

$1,273

$1,534

$2,224

$1,237

$2,520

Driving with an open container

$1,074

$1,344

$1,781

$1,237

$2,286

Driving with expired registration

$932

$1,075

$1,425

$1,237

$1,618

Driving without Lights

$932

$1,360

$1,265

$1,237

$1,618

Failure to show documents

$932

$1,075

$1,425

$1,237

$1,618

Failure to stop at a red light

$932

$1,360

$1,425

$1,237

$1,960

Cheapest car insurance for drivers with bad credit in Greeley, CO

If you have a lower credit score, then you can expect to pay higher rates. That’s why Greeley drivers with poor credit scores should take extra time to shop around and make sure they’re finding the most affordable rates available.

Company

Rates for drivers with bad credit

GEICO

$1,363

Nationwide

$2,040

State Farm

$2,352

USAA

$2,423

Farmers Union

$2,534

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Buying car insurance in Greeley, CO

Car insurance is required in Colorado, and all drivers must meet the following minimum coverage requirements:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $15,000

As of 2003, Colorado is an at-fault state. As an at-fault state, when a vehicle accident occurs, a driver must be deemed at fault. The at-fault driver and their insurance company are responsible for paying the other party’s repair bills or medical expenses, up to the at-fault driver’s policy limits.

That’s why it’s a good idea to get more than the state minimums in liability coverage — you want to be sure that if you’re the at-fault driver, you have enough insurance to fully cover the costs of an accident.

How to get cheap car insurance in Greeley, CO

Car insurance can be expensive, but there are some tried-and-true tips for making sure you’re getting affordable coverage:

  • Ask about discounts, like savings for safe drivers or certain professions

  • Bundle your auto and home or renters policies with the same company

  • Reduce coverage on older cars

  • Maintain a good credit score or repair low credit

  • Drive safely and avoid moving violations

  • Reshop your car insurance every year to make sure you’re still getting the best rates

Frequently asked questions

I'm about to turn 25, will my rates increase or decrease?

It's common for drivers to see car insurance rates decrease after they turn 25, but it's not a guarantee. A lot of that depends on a combination of other factors, like your driving history and when, exactly, you got your license.

What's considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

Why are my rates more expensive than cities like Avon?

The city you live in can make a big difference in car insurance rates. Each city has different numbers of traffic accidents and violations, as well as reports of car theft and vandalism.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.