3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Located in Northern Colorado, Fort Collins is known for its 1800s-era Old Town, greenspaces like Lory State Park, and craft beer. Fort Collins drivers pay an average of $175 a month for car insurance, which is less than many other Colorado cities — including Denver and Colorado Springs — regardless of population.
Fort Collins residents have access to affordable car insurance rates with plenty of car insurance companies in the city, like American Family, State Farm, and USAA.
Here’s what Fort Collins drivers need to know about car insurance in their area.
Quick Facts
The average cost of car insurance in Fort Collins is $134 a month for liability only and $215 a month for full coverage.
Fort Collins’ average liability car insurance rates are 15% cheaper than Colorado’s liability-only rates.
Fort Collins reported that teens account for 5% of licensed drivers in the city but are involved in 15% of crashes.[1]
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Best car insurance companies in Fort Collins
When shopping for the cheapest car insurance in Fort Collins, remember that coverage options and discounts are just as important as finding the lowest rates. In most cases, the insurer that meets your specific needs will be the best option, compared to companies with lower rates that don’t fit your driving history and needs.
Here are some of the top insurance companies in Fort Collins for you to start your search.
Best insurer for liability-only coverage: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo
With lower-than-average rates for car insurance in Fort Collins, State Farm is a good choice for drivers who want minimum liability-only or full-coverage policies. One way to get potentially low rates is through its Personal Price Plan, which involves customizing coverage options and choosing relevant discounts. State Farm offers limited discounts compared to competitors, and some — such as the Drive Safe & Save telematics app — could increase or decrease between policy terms.
Pros
A.M. Best financial strength rating of A++ (Superior)
Personal Price Plan for customized coverage
Cons
Higher-than-average numbers of complaints with the National Association of Insurance Commissioners (NAIC) for a company of its size
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
Getting an auto insurance quote from USAA is more difficult than competitors because USAA insurance products are only available to current and former U.S. military members and their families, as well as children of USAA members. However, this strict membership requirement comes with benefits. Insurance products include everything from business and health insurance to travel insurance and pet insurance. Members can also take advantage of discounts, including those for car rentals, home security, and hotels.
Pros
Multiple insurance products
Unique member benefits
Cons
Strict membership requirements
Limited customer service hours
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo
American Family offers car insurance in 19 states, including Colorado, and provides insurance through independent insurance agents. Drivers can take advantage of various discounts, like safe driver, young driver, safety features, and billing discounts. Fort Collins drivers can also benefit from reduced rates by bundling auto insurance with renters, motorcycle, home insurance, and other insurance products.
While it has a lower-than-average customer complaint score with the National Association of Insurance Commissioners (NAIC) compared to other insurance agencies in the U.S., American Family has more complaints in Colorado than in other states.
Pros
Numerous discount opportunities
Multiple bundling options
Cons
Other insurers have higher A.M. Best scores
Most NAIC complaints in Colorado
They are nice people to do business with, just kind of expensive
Cheapest liability-only car insurance in Fort Collins
Whether you cause a fender bender in Loveland or sideswipe a parked car in Colorado Springs, you’ll need liability-only insurance to cover the damages you cause.
Liability-only insurance meets the minimum coverage that Colorado state law requires. This insurance product only covers damages and injuries you cause another person, vehicle, or property — not your own damages or injuries.
Here are the cheapest car insurance companies for liability insurance in Fort Collins.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Collins
If you’re driving through Northern Colorado and hit a deer, for example, liability-only insurance won’t cover the damages, but a full-coverage policy likely will.
While insurers have no strict definition for full-coverage insurance, many of them design a full-coverage insurance policy to include liability, plus collision and comprehensive coverage: two insurance products that pay for damages to your car, even if you caused them.
Here are the average monthly car insurance company quotes for full coverage in Fort Collins.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Colorado
Fort Collins drivers should know that Colorado was a no-fault state but transitioned to an at-fault state in 2003. In an at-fault state, the driver who caused the car accident is responsible for paying for the other parties’ damages and injuries, usually through their liability insurance policy.
However, Colorado also uses comparative fault, so any shared fault for the accident can reduce your compensation for damages and injuries. For example, if you’re 20% at fault for an accident, your compensation will be 20% less.[2]
Here are Colorado’s minimum car insurance requirements:[3]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person per accident
$50,000 per accident
Property damage liability
$15,000 per accident
Fort Collins, Colorado, drivers may want additional coverage that reimburses them when their own vehicles sustain damage. For example, the Poudre River is subject to flooding; without comprehensive insurance, you’d pay for vehicle damages from flooding out of pocket.
Fort Collins drivers should consider these optional coverages for more protection:
Comprehensive coverage
This insurance covers non-collision damages, like weather, flooding, fires, vandalism, and falling objects.
Collision coverage
Collision coverage kicks in to pay for damages when you hit a stationary object or another vehicle, regardless of fault.
Uninsured/underinsured motorist coverage
If a driver without coverage or who has insufficient coverage hits you, this pays for the damages that they cause.
Medical payments coverage
Similar to personal injury protection (PIP), medical payments insurance pays for medical bills and injuries from an accident.
Cheapest car insurance for drivers with an incident
Incidents on your driving record can cause your insurance rates to increase. Some of these incidents may be traffic violations, such as speeding tickets or moving violations. Others may be more serious, like at-fault car accidents and driving under the influence.
DUIs and at-fault accidents typically raise your rates the most, though you may also see a significant premium increase if you have a history of speeding on your record. Here are the cheapest car insurance companies for drivers in Fort Collins who have incidents on their driving record.
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Cheapest car insurance for drivers with a speeding ticket
Speed plays a major role in car accidents in the Centennial State. It’s the leading cause of death on Colorado roadways, and the fatality rate has risen since 2018. More than one-third of crashes happen on non-interstate rural roads and urban interstates.[4]
Regardless of where you’re driving, you should follow the posted speed limit. It’s also a good idea to decrease your speed when driving through areas of road work or during severe weather.
The table below shows the cheapest insurance companies for drivers in Fort Collins with a speeding ticket.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Speed isn’t the only incident that can cause an accident. Although Fort Collins’ number of car crashes decreased by 20% in 2020 compared to 2019, severe crashes increased by 15% in that same time.[1] Any at-fault accident could increase your rates; even a minor collision with no injuries could result in a rate increase.
If you have an at-fault accident on your record, check out the cheapest insurance companies in Fort Collins to start your search.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
In 2021, 4% of all crashes involved driving under the influence in Fort Collins. However, this amount represents 10% of severe crashes and 31% of fatal crashes.[1]
It’s important to remember that a DUI in Colorado is driving with a blood alcohol concentration (BAC) of 0.08 or higher, and authorities can arrest you for driving while ability impaired (DWAI) with a BAC level as low as 0.05.[5] Regardless of whether or not you’re involved in an accident, drinking and driving is a high-risk behavior and likely to result in a substantial premium increase from your insurer.
Start your search for affordable car insurance after a DUI in Fort Collins with the insurers below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
In both standard car crashes and DUI car crashes, senior drivers 75 and older in Fort Collins represent the lowest amount — less than 5%.[1] Even as drivers between the ages of 35 and 44 have a higher rate than the preceding age groups, drivers should actually see their rates decrease around age 35 and increase again around age 75.
Senior drivers are more likely to have age-related health issues that cause physical, cognitive, or visual impairments and contribute to an increased risk of crashes.[6] Here are the cheapest auto insurers in Fort Collins for senior drivers.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
In Fort Collins, teen drivers are three times more likely to be in a car accident than other age groups.[1]
This tends to be a trend in many other states: The Insurance Institute for Highway Safety (IIHS) reports that teen drivers are almost four times more likely to be involved in a car crash than older drivers.[7] Inexperience and distractions are two significant factors, though it should also be noted that teens in Fort Collins are overrepresented in the number of alcohol-related crashes the age group experiences.[1]
These factors all lead to teen drivers paying higher auto insurance rates in Fort Collins. Teen drivers and their policyholder parents should ask their insurer about discounts — such as good driving, good student, and defensive driver discounts — to lower rates.
The table below shows the cheapest auto insurance companies for teens and young adults in Fort Collins.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Fort Collins
Qualifying for discounts isn’t the only way you can get an affordable policy that meets your specific needs. Follow these tips while you shop for car insurance:
Ask about bundling. Depending on your marital status, homeowner needs, and family life, it may be your best option to combine policies like home insurance or life insurance for a lower combined rate with a single insurer.
Shop for quotes. While searching for car insurance, get quotes from at least three different insurance companies at the same coverage level to find the one that offers the best rates.
Reconsider coverage. If the cost of a full-coverage policy’s annual premium is more than your vehicle’s value, you can drop some optional coverages that add to the cost of your policy.
Raise your deductible. By increasing the amount you’d pay out of pocket for a claim, you may get lower monthly premiums.
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Fort Collins car insurance quotes by credit tier
Fort Collins insurers can legally consider your credit history and credit scores when determining your insurance premium. However, state law prohibits them from using this information solely as the determining factor of whether or not to give you an insurance policy.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Collins?
Car insurance in Fort Collins costs an average of $175 per month. Along with it being lower than the state average of $224, it’s also lower than the national average of $244.
While Fort Collins drivers have cheaper rates than many cities around the country and within Colorado, keep in mind that factors like your ZIP code’s accident rate, driving record, credit score, coverage level, and vehicle year, make, and model affect your car insurance rates. For example, Fort Collins had fewer motor vehicle thefts than Pueblo, Colorado, in 2019.[8]
More cities in Colorado
Compared to other cities in Colorado, Fort Collins tends to be cheaper than most, including major metro areas like Denver and cities with lower populations like Pueblo.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Collins car insurance FAQs
Check out Insurify’s guide on how much car insurance you need while you shop for quotes, and read the answers to common questions about car insurance in Fort Collins.
How much is car insurance in Fort Collins?
The average cost of car insurance in Fort Collins is $134 a month for liability-only insurance and $215 a month for full coverage.
What are the best car insurance companies in Fort Collins?
Some of the best car insurance companies in Fort Collins are American Family, State Farm, and USAA. These insurers have great J.D. Power customer satisfaction ratings in the Southwest region, strong A.M. Best ratings, and high Insurify Quality (IQ) Scores. However, the best insurance company for you depends on your needs and budget. Always compare different quotes from insurers to find the one that meets your needs at the best price.
How much car insurance should you have in Colorado?
Drivers in Colorado must purchase and maintain $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 per accident for property damage liability. But you can purchase higher limits and more coverages, like comprehensive and collision, to add insurance against vehicle damages.
What car insurance coverages are available in Fort Collins?
Fort Collins drivers will find almost nearly every type of auto insurance coverage available. This includes liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, rental reimbursement, rideshare, and gap coverages. What’s important is finding the auto insurance company that offers all the coverages you want at a price you can comfortably afford.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
State Farm
USAA
American Family
