The average cost of full coverage car insurance in Greeley is $1,787 a year, which is $65 less than the state average in Colorado of $1,852. But what you pay for car insurance can change based on individual factors, like your age, credit score and driving history.
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.
Methodology & why you can trust our rates
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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
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 | $776 | -- |
GEICO | $966 | 874 |
USAA | $1,153 | 890 |
State Farm | $1,186 | 882 |
Nationwide | $1,442 | 868 |
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 |
|---|---|
80634 | $1,723 |
80631 | $1,778 |
80639 | $1,860 |
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 | Nationwide |
|---|---|---|---|---|---|
At-fault accident | $1,160 | $1,661 | $1,723 | $1,387 | $2,332 |
DUI | $1,233 | $1,894 | $2,498 | $1,297 | $2,950 |
Suspended license | $1,329 | $1,534 | $2,357 | $1,297 | $2,950 |
Open container | $1,160 | $1,344 | $1,898 | $1,297 | $1,827 |
Expired registration | $972 | $1,075 | $1,525 | $1,297 | $1,827 |
Driving without lights | $972 | $1,360 | $1,353 | $1,297 | $1,827 |
Running a red light | $972 | $1,360 | $1,525 | $1,297 | $1,827 |
Following too closely | $972 | $1,360 | $1,525 | $1,297 | $1,827 |
Hit and run | $1,329 | $2,162 | $2,645 | $1,297 | $2,950 |
Not-at-fault accident | $842 | $1,011 | $1,233 | $1,206 | $1,531 |
Passing a school bus | $1,114 | $1,360 | $1,898 | $1,297 | $1,827 |
Reckless driving | $1,329 | $2,162 | $1,898 | $1,297 | $2,950 |
Speeding | $972 | $2,162 | $1,525 | $1,297 | $1,827 |
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 | $2,151 |
State Farm | $2,384 |
USAA | $2,456 |
American National | $2,831 |
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
Is Colorado a no-fault state or an at-fault state?
Colorado is an at-fault state, which means the car insurance of the driver who is found to be at-fault for an accident is responsible for paying any expenses caused by the accident.
Does Colorado require auto insurance?
Yes, drivers are required by law to have car insurance in Colorado. Colorado requires that drivers have at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and at least $15,000 in property damage liability coverage.
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.
How much is insurance per month in Colorado?
The average cost of car insurance in Colorado is $154 per month, or $1,852 per year.
