Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Aug 10, 2020

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Fort Collins, Colorado has been listed as one of the best cities to live in by several publications, including Men’s Journal. One of the reasons Fort Collins is so popular is because it has one of the cleanest environments out of any city in the country. Additionally, the natural surroundings, from mountains to state parks, attract nature lovers from far and wide. You will find more information on Colorado auto insurance below.

Fun fact: Did you know that Fort Collins is #1 on the list of “Top 101 cities with the highest average wind speeds (population 50,000+)”?

Are you looking for auto insurance in Fort Collins, CO? At, you can easily find the very best insurance rates where you live. To obtain free car insurance quotes from the top providers today, type your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Colorado

If you want to drive legally in Colorado, you will need to purchase:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability15,000100,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Remember that Liability coverage only pays out on claims if the incident in question was something you caused (or found liable for). For any other situation, you will be financially responsible for your vehicle. And if you are currently financing your automobile, your lender may require additional coverage regardless of legal minimums.

Your average driver in Colorado is probably paying around $130 monthly for their auto insurance policy right now. But Fort Collins drivers have the chance to drive legally for as low as $40/mo*! If you want to learn now to lower your rate, just keep reading.

Average Monthly Auto Insurance Premiums Legend: Fort Collins Farmers The Heartford State Farm Amica Allied 5 10 15 20 25 30 35 40 $30 $41 $39 $37 $41

Farmers, Amica, and State Farm are offering some impressively low rates on automotive insurance policies for Fort Collins residents. But if you’re thinking about switching providers, understand that there’s more to choosing a company than a low rate. Customer service is important too, as well as their claims process.

Auto insurance providers consider numerous factors when determining insurance quotes, including gender, credit score, years of driving experience, your profession, and your current insurance coverage and limits. Additionally, premiums differ from company to company. To make sure you’re still paying the most favorable rate, compare cheap Fort Collins auto insurance quotes online.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Car Insurance Factors in Fort Collins

Insurance companies take several factors into account when creating an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your credit rating or where you live. Other variables your car insurance company may consider include:

Your ZIP Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Fort Collins is 152,061 and the median household income is $56,464.

Auto Insurance by ZIP Code Legend: Denver Colorado Springs Aurora Fort Collins Lakewood Farmers The Heartford State Farm Amica Allied 5 10 15 20 25 30 35 40 45 50 55 $43 $40 $45 $30 $42 $47 $45 $51 $41 $50 $51 $45 $54 $39 $48 $51 $45 $52 $37 $52 $56 $48 $57 $41 $52

Automotive Accidents

Are you worried about accidents in Fort Collins? Well, you don’t necessarily need to be. The fatal accident statistics are very low for having a population over 150,000. Thanks to this, Fort Collins drivers are eligible for lower rates.

Fatal Accidents in Fort Collins, CO Legend: Fort Collins Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 3 5 1 3 6 1

Auto Thefts in Fort Collins

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Fort Collins was 140 in 2013. Comprehensive coverage is what you need in order to protect yourself from auto theft. However, since Fort Collins rates of theft are so low, you may be able to reduce or remove your comprehensive coverage and get lower monthly premiums.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers The Heartford State Farm Amica Allied 15 30 45 60 75 90 105 120 $30 $78 $41 $87 $39 $107 $37 $134 $41 $68

Your Credit Score

Auto insurance providers put a lot of stock into your credit score. The better your credit, the lower your rate will be. However, having a poor credit score can significantly raise your rates. As you can see in the chart, some companies will charge you double (or more) than someone with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers The Heartford State Farm Amica Allied 10 20 30 40 50 $20 $53 $31 $55 $28 $56 $23 $56 $38 $46

Your Age

Young drivers face a particularly harrowing burden when paying for their first auto insurance policy. Because of their inexperience, they are significantly more likely to get into a serious accident. That’s why some companies charge them 2x-3x higher premiums than someone twice their age.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers The Heartford State Farm Amica Allied 25 50 75 100 125 150 175 200 225 250 $30 $258 $41 $120 $39 $104 $37 $137 $41 $106

Your Driving Record

Serious driving violations – such as a DUI, or a reckless driving citation – can send your monthly premiums through the roof. Some companies may even refuse to cover you altogether. But if you only have minor citations, such as a speeding ticket, as your provider if you can save money with “Accident Forgiveness”.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers The Heartford State Farm Amica Allied 10 20 30 40 50 60 70 80 90 100 $30 $32 $37 $33 $41 $38 $44 $46 $39 $36 $36 $39 $37 $43 $107 $38 $41 $45 $68 $54

Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers The Heartford State Farm Amica Allied 15 30 45 60 75 90 105 $30 $67 $41 $97 $39 $108 $37 $115 $41 $103

Minor Car Insurance Factors in Fort Collins

Some of the factors below may sound strange in reference to automobile insurance, but they can have an effect:

Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some serious savings. And if you have other forms of insurance – such as homeowners, or renters insurance – you can save even more by bundling those as well.

Your Gender

Thankfully, many insurance companies are phasing out the outdated practice of charging drastically different rates based on gender. Some companies still charge a 2-3% difference, but it depends on the provider whether or not male or female drivers are burdened with this extra expense.

Your Driving Distance to Work

Work commutes are fairly short in Fort Collins, ranging from 15-19 minutes on average, with some areas experiencing commutes above 20 minutes or more. That’s probably why nearly three-quarters of motorists drive to work each day in their own car. Only around 6-9% or so carpool.

You might think that driving less in a small city like Fort Collins would save you a ton on monthly premiums – but you’d be off by quite a bit. Even infrequent drivers may only save 3-4% on their monthly costs. Business vehicle owners, on the other hand, can expect to pay 11% higher premiums.

Your Coverage and Deductibles

Want more than just the bare minimum coverage? You might be able to add more to your current policy if you raise your deductible. While this will make your out-of-pocket expenses much higher should you need to file a claim, you can use the cheaper monthly payments to save for a rainy day.

Your Education

Forget about your fancy job or high yearly income – insurance companies have a habit of offering lower car insurance rates to drivers who have pursued higher levels of education. In Fort Collins, 30% of drivers have earned a bachelor’s degree, whereas many others are either working on a college degree or have attained a high school diploma.

Although not necessarily a college town, Colorado State University still maintains a large presence in the city. CSU four campuses in total, all of them located in Larimer County. CSU offers a variety of degrees in everything from business to liberal arts, with a heavy emphasis on environmental sciences. They even offer degrees in Equine Science.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Colorado Division of Insurance

Colorado Division of Financial Services

Department of Highway Safety and Motor Vehicles

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