Located toward the northern border of Colorado, Fort Collins is a small city that’s easy to navigate. With only one major highway bisecting the metropolitan area, the opportunity for car accidents is more limited compared to other busier parts of the nation. While most residents have grown accustomed to driving in snow, visitors to Fort Collins should be prepared for hazardous driving conditions during the winter months. Even during summer weather, it’s important for residents to make sure they have appropriate auto insurance coverage.
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| Insurance Provider in Fort Collins | |
|---|---|
 State Farm | $90/mo |
 Allstate | $101/mo |
 Nationwide | $143/mo |
 Travelers | $178/mo |
 The General | $197/mo |
| Best Companies | ||
|---|---|---|
 American Family | $178/mo | |
 Safeco | $203/mo | |
 Liberty Mutual | $209/mo | |
Travelers | $159/mo |
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| Denver | $216/mo |
| Colorado Springs | $215/mo |
| Aurora | $228/mo |
| Arvada | $176/mo |
| Fort Collins | $142/mo |
| Colorado | $195/mo |
Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.
Colorado's minimum liability car insurance limits are as follows:
Growing older in Fort Collins has a lot of perks, including getting to enjoy a decrease in your car insurance rates. Drivers under 20, who are still getting comfortable behind the wheel, pay the most for coverage, at an average of $375, and as time goes on, this rate drops significantly. The oldest motorists in Fort Collins, individuals in their 80s, tend to have the cheapest insurance rates in the area, at an average price of only $135 a month.
| Driver's Age | |
|---|---|
| teens | $376 |
| 20s | $195 |
| 30s | $162 |
| 40s | $240 |
| 50s | $192 |
| 60s | $144 |
| 70s | $198 |
| 80s | $136 |
| Driving History | |
|---|---|
| No Violation | $194 |
| Speeding Ticket | $225 |
| At-Fault Accident | $232 |
| Failure to Stop for Red Light / Stop Sign | $186 |
In some cities, your driving record plays a large role in your car insurance rates, yet in Fort Collins, drivers find that’s not often the case. Anyone with a clean driving history pays around $193 for coverage, and their rate stays almost the same, even if they receive a failure-to-stop violation. A speeding ticket will cause an increase in price up to about $224, while an at-fault accident brings premiums to an average of $231 a month.
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Your credit score isn’t as crucial as you think in Fort Collins when it comes to paying cheaper car insurance rates. Drivers with poor or average credit are often charged $206 or $191, respectively, while boosting your credit to the good tier only drops rates by $4. Motorists who have excellent credit are sometimes surprised to be charged an average of $222, further proving that premiums are calculated using a range of factors.
| Credit Tie | |
|---|---|
| Excellent | $223 |
| Good | $188 |
| Average | $192 |
| Poor | $207 |
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There’s only one DMV office in Fort Collins itself, with several others located in surrounding communities. Since it’s open Monday through Friday from 8 a.m. to 5 p.m., drivers are often able to visit the DMV and accomplish their tasks without having to endure long wait times. Unlike some of the other DMV locations across the country, residents in or near Fort Collins do not have the option to visit an office on Saturdays.
Getting around Fort Collins without a vehicle can be tricky, depending on what day you’re out and about, as the city’s bus system only operates Monday through Friday. Named Transfort, it offers 22 different routes in and around the downtown area. Weekend travel may necessitate calling an Uber or Lyft; however, if the weather is nice, you can adventure on an electric scooter instead!
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Fort Collins drivers measure up to their fellow Colorado motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fort Collins drivers rank 18 in the number of car accidents per driver across all cities in Colorado.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Fort Collins drivers rank 5 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fort Collins drivers rank 2 in the number of DUI’s per driver across all cities in Colorado.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fort Collins is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Fort Collins drivers rank 6 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fort Collins drivers rank 15 in clean driving records across all cities in Colorado.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fort Collins drivers rank 3 in failure to yield violations per driver across all cities in Colorado.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Fort Collins drivers rank 15 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fort Collins drivers rank 14 in hybrid and electric vehicle ownership across all cities in Colorado.
If you love historic cities, Fort Collins is a great place to live or visit, but it’s important that you make sure you have adequate auto insurance before you ever get behind the wheel here. Driving in snowy weather may present challenges, and since Colorado is an at-fault state when it comes to accidents, you’ll want to use caution.
Rather than worry about having to pay out of pocket in the event of a collision, it’s best to make sure you have a robust auto insurance policy. Head over to Insurify to compare prices with just a few clicks of your mouse, and discover the options that best meet your auto coverage needs.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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