120+ more*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Sharon Wu is a Certified Financial Education Instructor (CFEI®) and personal finance writer with over a decade of experience helping readers make sense of insurance. She specializes in breaking down dense, jargon-filled topics into clear, practical guidance that helps consumers feel confident in their coverage decisions, rather than overwhelmed by them. Her work has appeared in leading publications, including USA TODAY, CBS News MoneyWatch, and ConsumerAffairs.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
In Fort Collins, Colorado, the average liability-only insurance rate is $80 per month. Full coverage, which adds collision and comprehensive, averages $190 per month.
These prices are lower than the statewide average cost of car insurance. Car insurance in Fort Collins also costs less than in Denver, where liability insurance averages $110 per month, and nearby Greeley, where it averages $87 per month.
Fort Collins weather affects car insurance prices. The city sits within Colorado’s “hail alley,” which averages seven to nine hail days per year.
Hail dents and cracked windshields are types of damage that comprehensive coverage pays for, which can push full-coverage rates higher.
State Farm offers the cheapest liability-only rates in Fort Collins, with premiums averaging $45 per month.
Drivers in Fort Collins pay an average of $80 per month for liability-only insurance, compared to the statewide average of $97 per month.
Colorado drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability, and $15,000 in property damage liability.[1] Liability-only coverage meets these, but it won’t pay to repair your car.
This means if you cause an accident, you’d have to pay for your car’s repairs out of pocket.
The following table shows the cheapest liability-only car insurance rates in Fort Collins.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Sun Coast | $56 |
| The General | $58 |
| USAA | $58 |
| Progressive | $60 |
| American Family | $62 |
| Root | $63 |
| Mile Auto | $67 |
| GEICO | $68 |
| Allstate | $69 |
| Bristol West | $75 |
| Auto-Owners | $80 |
| Trexis | $90 |
| Mendota | $92 |
| National General | $95 |
| Safeco | $95 |
| Dairyland | $102 |
| Direct Auto | $105 |
| Insurify Car | $106 |
| Travelers | $113 |
| Farmers | $118 |
| Liberty Mutual | $152 |
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At $103 per month, State Farm has the cheapest full-coverage rates in Fort Collins.
Drivers in Fort Collins pay an average of $190 per month for full coverage. This is less than Denver’s average full-coverage rate of $245 per month and less than Greeley’s average of $196 per month.
Full coverage is worth a look for many Fort Collins drivers. The Cache la Poudre River runs through the northern part of town and is prone to seasonal flooding.[2]
Liability-only coverage won’t pay to repair flood damage to your car, but comprehensive coverage will.
The table below shows the cheapest full-coverage car insurance rates in Fort Collins.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $103 |
| Progressive | $129 |
| USAA | $132 |
| Root | $133 |
| American Family | $142 |
| GEICO | $157 |
| Allstate | $159 |
| Mile Auto | $163 |
| Bristol West | $166 |
| Safeco | $168 |
| The General | $176 |
| Auto-Owners | $183 |
| Sun Coast | $183 |
| National General | $212 |
| Mendota | $224 |
| Direct Auto | $227 |
| Dairyland | $233 |
| Trexis | $237 |
| Liberty Mutual | $257 |
| Travelers | $258 |
| Farmers | $270 |
Aurora and Englewood have some of the most expensive car insurance rates in Colorado. Grand Junction’s rates are among the state’s cheapest.
Averaging $135 per month, Fort Collins’ rates are well below the state average of $157 per month. Insurance in Fort Collins is slightly more expensive than in neighboring Loveland but cheaper than in larger cities like Aurora and Denver.
Fort Collins drivers catch a break that people in Denver and other big Colorado cities don’t: lower exposure to vehicle theft. In 2025, nearly 69% of the state’s reported vehicle thefts took place in the Denver metro area, according to the Colorado State Patrol.[3]
Fort Collins is outside that metro footprint. The city’s lower theft risk, combined with its smaller population, may both contribute to its lower insurance rates.
The table below breaks down average monthly car insurance costs across various Colorado cities.
City | Average Monthly Quote |
|---|---|
| Grand Junction | $113 |
| Loveland | $133 |
| Boulder | $140 |
| Greeley | $142 |
| Castle Rock | $150 |
| Arvada | $155 |
| Longmont | $155 |
| Pueblo | $159 |
| Westminster | $164 |
| Parker | $166 |
| Broomfield | $168 |
| Colorado Springs | $169 |
| Commerce City | $174 |
| Denver | $178 |
| Englewood | $179 |
| Aurora | $194 |
*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Collins, Colorado within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history affects how much you pay for Fort Collins car insurance. Insurers see tickets, accidents, and driving under the influence (DUI) convictions as signs of future risk.
Below are the insurers with the cheapest liability-only rates in Fort Collins, broken down by driving record.
Cheapest car insurance for Fort Collins drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Fort Collins: State Farm
Cheapest car insurance for Fort Collins drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Fort Collins: State Farm
In Fort Collins, 6.1% of drivers have a speeding ticket on their record, 5.3% have an at-fault accident, and 1.4% have a DUI conviction, according to Insurify data. High-risk drivers typically pay higher rates.
Colorado is an at-fault state, which means you’re responsible for the other driver’s damages if you cause an accident. An at-fault accident can raise your rates for several years.
A DUI can also significantly increase insurance rates in Fort Collins. Larimer County regularly leads the state in DUI arrests during statewide crackdowns, according to the Colorado Department of Transportation (CDOT).
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $135 |
| Speeding ticket | $175 |
| At-fault accident | $181 |
| DUI | $189 |
Parking can be challenging in parts of Fort Collins. Historic Old Town draws locals and visitors, so build in extra time to find a parking spot during peak times.
On-street parking is free, and three nearby parking garages offer cheap, sometimes free, parking.
Parking near Colorado State University (CSU) can also be difficult on game days. Fort Collins restricts on-street parking in neighborhoods around the stadium during home games.[4] Check the CSU football schedule before you park near campus on a fall Saturday to avoid a fine.
Although winter weather in recent years has been mild, residential streets can remain slick after a storm. The city plows major Fort Collins roads first and generally plows residential streets only when snow blocks traffic.
Drivers in Fort Collins should also be aware of uninsured motorists. An estimated 15% to 20% of Colorado drivers lack insurance, according to the Colorado Division of Insurance. Uninsured motorist coverage can help pay for your damages if one of them hits you.
College Avenue (U.S. Route 287) and Interstate 25 carry the heaviest traffic through Fort Collins. The roads get even busier during football games and other events near Colorado State University.
More traffic means more chances for accidents, which insurers pay out as claims.
To manage traffic, the city uses red-light and speed cameras at several intersections, and it isn’t shy about issuing tickets. A speeding ticket will cost you $40, a red-light violation carries a $75 fine, and going more than 25 mph over the limit comes with a six-point citation and a mandatory court appearance.[5]
Certain moving violations can raise your risk profile with insurers, even without a claim.
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State Farm has the most affordable car insurance rates for teenagers in Fort Collins, with liability-only coverage averaging $87 per month.
Teens as young as 15 can get a learner’s permit. They must hold it for at least one year and log 50 hours of practice driving before getting licensed.[6] This gives parents time to shop around for the cheapest rates before their teen is behind the wheel solo.
Check out the following table for the cheapest car insurance rates for teen drivers in Fort Collins.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Root | $95 |
| Sun Coast | $103 |
| The General | $105 |
| USAA | $106 |
| Progressive | $110 |
| American Family | $116 |
| GEICO | $123 |
| Allstate | $126 |
| Bristol West | $132 |
| Mile Auto | $137 |
| Auto-Owners | $160 |
| Trexis | $165 |
| Mendota | $169 |
| Dairyland | $176 |
| National General | $187 |
| Safeco | $194 |
| Insurify Car | $194 |
| Direct Auto | $204 |
| Travelers | $233 |
| Farmers | $234 |
| Liberty Mutual | $266 |
At an average of $34 per month, State Farm has the cheapest senior car insurance rates in Fort Collins.
If you’re 80 or older, Colorado requires an eye exam report from an optometrist or ophthalmologist when renewing your license online.[7]
The table below shows the cheapest rates for senior drivers in Fort Collins.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| Sun Coast | $45 |
| USAA | $45 |
| The General | $48 |
| American Family | $48 |
| Progressive | $48 |
| Mile Auto | $50 |
| GEICO | $52 |
| Allstate | $56 |
| Root | $56 |
| Bristol West | $60 |
| Auto-Owners | $61 |
| National General | $72 |
| Trexis | $73 |
| Mendota | $74 |
| Safeco | $80 |
| Direct Auto | $83 |
| Dairyland | $83 |
| Insurify Car | $86 |
| Travelers | $87 |
| Farmers | $90 |
| Liberty Mutual | $122 |
Before comparing quotes, see the answers to common questions below about car insurance in Fort Collins.
Fort Collins drivers pay an average of $80 per month for liability-only coverage and $190 per month for full coverage.
State Farm has the cheapest liability-only car insurance rate in Fort Collins, Colorado, with liability coverage averaging $45 per month. Insurers base your rate on factors such as your driving record, age, and vehicle.
Yes. A quick policy review can help you spot savings you might be missing. Bundling home, renters, or commercial insurance with your auto policy is one of the most common ways to save. High schoolers and Colorado State University students may also want to ask about good student discounts.
State Farm, Sun Coast, and The General offer the cheapest liability coverage for young drivers in Fort Collins. State Farm stands out for its good student and safe driving discounts, which can help offset the higher rates young drivers typically face.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sharon Wu is a Certified Financial Education Instructor (CFEI®) and personal finance writer with over a decade of experience helping readers make sense of insurance. She specializes in breaking down dense, jargon-filled topics into clear, practical guidance that helps consumers feel confident in their coverage decisions, rather than overwhelmed by them. Her work has appeared in leading publications, including USA TODAY, CBS News MoneyWatch, and ConsumerAffairs.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
