Cheap Auto Insurance Quotes in Fort Collins, CO (2021)

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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.

Car Insurance in Fort Collins, CO

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.

Quotes by Top Carriers
Quotes ($/mo)
$90
$101
$143
$178
$197
State FarmAllstateNationwideTravelersThe General
Monthly $

Cheapest Car Insurance in Fort Collins, CO

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.

Best Car Insurance in Fort Collins, CO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Fort Collins. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$195
$216
$215
$228
$176
$142
ColoradoDenverColorado SpringsAuroraArvadaFort Collins
Monthly $

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Fort Collins, CO Driving Facts

colorado

Minimum Car Insurance Requirements in CO

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Fort Collins Car Insurance Rates by Driver Age

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.

Driving History
No Violation$194
Speeding Ticket$225
At-Fault Accident$232
Failure to Stop for Red Light / Stop Sign$186

Fort Collins Car Insurance Rates by Driving and Accident History

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.

Fort Collins Car Insurance Rates by Credit Tier

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.

Fort Collins, CO DMV Information

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.

Public Transportation in Fort Collins, CO

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!

Conclusion: How to get the best and cheapest car insurance in Fort Collins, CO

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.

Find local Fort Collins agents

Front Range Insurance Group, LLC
2002 Caribou Drive, Fort Collins, CO 80525
1st American Fort Collins LLC
3534 JFK Pkwy, Fort Collins, CO 80525
Flood & Peterson Insurance Inc
4821 Wheaton Dr., Fort Collins, CO 80525
Floyd Insurance Agency
143 E. Harvard Street, Fort Collins, CO 80525-1735
Frontier LLC dba Frontier Ins and Financial Services
7785 Highland Meadows Parkway #202, Fort Collins, CO 80528
ABC Insurance Agency Inc
121 E Swallow Road #110, Fort Collins, CO 80525
Mountain Plains Agency, Inc.
4532 McMurry Ave Ste 101, Fort Collins, CO 80525
Nancy Bond Insurance Services
420 S. Howes St #A104, Fort Collins, CO 80521
B & B Family Insurance
3417 Canadian Pkwy, Fort Collins, CO 80524
Plummer Insurance, Inc.
1520 E Mulberry, Fort Collins, CO 80524

Insurify Insights: How Fort Collins Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Fort Collins, CO
suspended licenses
#17
Cities with Most
Suspended Licenses Rank

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.

Accidents Fort Collins

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.

  • Rank within state: #18
  • Percent of drivers in Fort Collins with an accident: 10.29%
  • Drivers in Fort Collins, CO with an accident in their driving history paid on average 27.11% more than drivers with a clean record

Speeding Fort Collins

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.

  • Rank within state: #5
  • Percent of drivers in Fort Collins with a speeding ticket: 14.95%
  • Drivers in Fort Collins, CO with a speeding ticket in their driving history paid on average 26.51% more than drivers with a clean record

DUI/DWIs Fort Collins

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.

  • Rank within state: #2
  • Percent of drivers in Fort Collins with a DUI: 3.7%
  • Drivers in Fort Collins, CO with a DUI in their driving history paid on average -90.36% more than drivers with a clean record

Most Popular Vehicle Fort Collins

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.

Rude Fort Collins

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.

  • Rank within state: #6
  • Percent of drivers in Fort Collins with a reckless driving violation: 3.63%
  • Drivers in Fort Collins, CO with a reckless driving violation in their driving history paid on average 23.49% more than drivers with a clean record.

Safest Drivers Fort Collins

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.

  • Rank within state: #15
  • Percent of drivers in Fort Collins with clean record: 73.13%

Failure to Yield the Right of Way Fort Collins

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.

  • Rank within state: #3
  • Percent of drivers in Fort Collins with a failure to yield violation: 0.74%
  • Drivers in Fort Collins, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Fort Collins

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.

  • Rank within state: #15
  • Percent of drivers in Fort Collins with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Fort Collins

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.

  • Rank within state: #14
  • Percent of drivers in Fort Collins with a hybrid/electric vehicle: 1.21%

FAQs - Fort Collins, CO Car Insurance

Is uninsured motorist coverage required in Fort Collins?

Unlike other states, Colorado doesn’t mandate this type of coverage when enrolling in auto insurance. Although the state ranks low on the list of uninsured drivers, it might be a wise option to purchase anyway.

Are accidents in Fort Collins processed through a no-fault system?

Different than many other states, Colorado is an at-fault state, meaning the person who is responsible for the accident must pay for any damages. This system makes it even more important for drivers to enroll in a thorough car insurance policy.

Why is car insurance so high in Fort Collins?

Rates in Fort Collins tend to be 14 percent higher than the national average due to a number of factors, including how many drivers live in the state. Your personal credit and driving history may also play a role in the price you pay for auto coverage.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.