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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fort Collins, CO to find you the cheapest quotes in the area.
Here are the cheapest carriers in Fort Collins for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $90/mo |
 Allstate | $101/mo |
 Nationwide | $143/mo |
 Travelers | $178/mo |
 The General | $197/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $178/mo | |
 Safeco | $203/mo | |
 Liberty Mutual | $209/mo | |
Travelers | $159/mo |
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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 | Avg. Monthly Cost |
|---|---|
| teens | $376 |
| 20s | $195 |
| 30s | $162 |
| 40s | $240 |
| 50s | $192 |
| 60s | $144 |
| 70s | $198 |
| 80s | $136 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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.
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 | Avg. Monthly Cost |
|---|---|
| Excellent | $223 |
| Good | $188 |
| Average | $192 |
| Poor | $207 |
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!
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Fort Collins stacks up for the state of Colorado:
