120+ more*Quotes generated for Insurify users in and around Greeley, Colorado within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greeley, Colorado within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
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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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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
On average, car insurance in Greeley costs $88 per month for liability-only coverage and $183 per month for full coverage.
Greeley car insurance is more affordable than coverage in Denver. It’s also cheaper than the overall average cost of car insurance in Colorado. Insurance in nearby Fort Collins is slightly more affordable, though.
Auto insurance in Greeley is cheaper than in Denver due in part to the city’s lower population density. Fewer people usually means fewer cars on the road and therefore fewer chances for collisions.
Liability insurance costs an average of $88 per month in Greeley. State Farm and Sun Coast have the cheapest liability-only car insurance rates in Greeley.
You must meet the following Colorado car insurance requirements for liability insurance if you drive a vehicle in the Centennial State:[1]
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$15,000 in property damage liability coverage per accident
The table below shows the cheapest rates for liability-only policies in Greeley.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| Sun Coast | $53 |
| Progressive | $56 |
| The General | $56 |
| Root | $61 |
| USAA | $61 |
| Mile Auto | $63 |
| American Family | $66 |
| GEICO | $67 |
| Bristol West | $73 |
| Auto-Owners | $85 |
| Trexis | $87 |
| Mendota | $88 |
| Safeco | $92 |
| National General | $94 |
| Dairyland | $96 |
| Allstate | $100 |
| Direct Auto | $100 |
| Insurify Car | $107 |
| Travelers | $120 |
| Farmers | $124 |
| Liberty Mutual | $146 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Full-coverage car insurance in Greeley costs an average of $183 per month. State Farm and Progressive have the cheapest average rates for full coverage in Greeley.
Full-coverage auto insurance makes sense for many Greeley drivers, particularly comprehensive coverage.
Greeley and other Colorado cities east of the Rockies face one of the greatest hail risks in the country each spring and summer.[2] Comprehensive coverage helps pay for repairs if hail damages your car.
The following table shows the companies with the cheapest full-coverage rates in Greeley.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $107 |
| Progressive | $120 |
| Root | $133 |
| USAA | $139 |
| American Family | $148 |
| GEICO | $152 |
| Mile Auto | $159 |
| Bristol West | $162 |
| Safeco | $165 |
| The General | $173 |
| Sun Coast | $185 |
| Auto-Owners | $192 |
| Allstate | $205 |
| National General | $212 |
| Dairyland | $220 |
| Mendota | $221 |
| Direct Auto | $223 |
| Trexis | $232 |
| Liberty Mutual | $252 |
| Travelers | $270 |
| Farmers | $282 |
Greeley’s average insurance rates are cheaper than the state average. The city’s relatively low population density contributes to its lower rates.
Fewer people mean less traffic congestion. In addition, Greeley’s location away from the state’s major federal highways helps keep insurance prices more affordable.
Grand Junction has some of the state’s lowest rates for both full-coverage and liability-only policies. Aurora has some of the most expensive rates in Colorado, with Denver and Englewood close behind.
The table below shows average car insurance rates in cities throughout Colorado.
City | Average Monthly Quote |
|---|---|
| Grand Junction | $106 |
| Loveland | $124 |
| Fort Collins | $130 |
| Boulder | $136 |
| Longmont | $144 |
| Arvada | $147 |
| Castle Rock | $148 |
| Pueblo | $152 |
| Broomfield | $158 |
| Westminster | $158 |
| Parker | $159 |
| Colorado Springs | $161 |
| Commerce City | $162 |
| Denver | $169 |
| Englewood | $171 |
| Aurora | $183 |
*Quotes generated for Insurify users in and around Greeley, Colorado within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greeley, Colorado within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can influence how much you pay for car insurance in Greeley. The following companies have the cheapest auto insurance quotes in Greeley, depending on your driving history.
Cheapest car insurance for Greeley drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Greeley: State Farm
Cheapest car insurance for Greeley drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Greeley: State Farm
Drivers with a clean driving record get the lowest average car insurance rates. If your recent driving history includes a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, your rates will likely be higher.
In Greeley, 6.8% of drivers have a ticket on their record, according to Insurify data, and 4.6% have an at-fault accident on their record. Roughly 1 in 100 Greeley drivers (1%) have a DUI conviction.
Insurers view drivers with serious infractions on their records as high risk and typically charge them higher rates.
The table below shows average monthly quotes based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $136 |
| Speeding ticket | $176 |
| At-fault accident | $182 |
| DUI | $190 |
Here’s what to know about driving in Greeley, Colorado:
High uninsured driver rate: Approximately 15% to 20% of Colorado drivers don’t have car insurance, according to the Colorado Division of Insurance. While not required by Colorado law, carrying uninsured motorist coverage/underinsured motorist coverage could be beneficial if an uninsured driver in Greeley hits you.
Hail risks: Colorado is among the most hail-prone states in the country. Greeley’s location just east of the Rockies puts it in “hail alley,” where storms are most frequent. Hail season generally runs from mid-April through mid-September. If possible, store your car in covered parking during hail season, and check the weather forecast before driving.
Wind risks: High winds are also a frequent hazard in Greeley and northeastern Colorado.[3] Extreme winds can damage cars and increase the risk of accidents.
Tourist congestion: The annual Greeley Stampede draws thousands of tourists each June and July. Expect traffic to spike during these months.
Greeley sits at the intersection of two busy regional highways — U.S. Route 85 and U.S. Route 34. It lies outside the boundaries of the state’s larger, busier highway systems, including Interstate 70 and I-25.
But Greeley’s roadways still pose risks. The city recently found that just 9% of its roads, including U.S. Route 34, accounted for 43% of Greeley’s serious or fatal crashes.[4]
Greeley has adopted flashing yellow arrows at major intersections to improve left-turn safety. Such efforts may reduce collisions and lead to lower insurance rates.
Insurify partners with 120+ top insurers for real-time quotes
On average, liability-only car insurance for teen drivers in Greeley costs $162 per month. In Greeley, State Farm and Sun Coast have the lowest average rates for teens.
The DRIVE SMART Weld County teen program teaches students how to make smart choices when driving.[5] While participating won’t lower car insurance rates for teens in Greeley, it could help your teen drive more safely.
Check out the following table to see the cheapest liability-only rates for teenage drivers in Greeley.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $92 |
| State Farm | $93 |
| Sun Coast | $97 |
| The General | $101 |
| Progressive | $103 |
| USAA | $111 |
| GEICO | $121 |
| American Family | $124 |
| Bristol West | $129 |
| Mile Auto | $129 |
| Trexis | $160 |
| Mendota | $162 |
| Dairyland | $166 |
| Auto-Owners | $171 |
| Allstate | $184 |
| National General | $186 |
| Safeco | $188 |
| Direct Auto | $195 |
| Insurify Car | $196 |
| Farmers | $246 |
| Travelers | $248 |
| Liberty Mutual | $255 |
Drivers in their 60s pay $71 per month, on average, for a liability-only policy in Greeley. Greeley drivers aged 55 and older can complete an approved defensive driving course to earn a car insurance discount, per Colorado state law.
State Farm has the cheapest liability-only car insurance for seniors in Greeley, averaging $36 per month.
The table below lists the companies offering the cheapest liability-only coverage for senior drivers in Greeley.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Sun Coast | $43 |
| Progressive | $45 |
| The General | $46 |
| Mile Auto | $47 |
| USAA | $48 |
| American Family | $51 |
| GEICO | $51 |
| Root | $54 |
| Bristol West | $59 |
| Auto-Owners | $65 |
| Trexis | $70 |
| Mendota | $71 |
| National General | $71 |
| Safeco | $78 |
| Dairyland | $79 |
| Direct Auto | $79 |
| Allstate | $81 |
| Insurify Car | $86 |
| Travelers | $93 |
| Farmers | $95 |
| Liberty Mutual | $117 |
See the answers to frequently asked questions below to help you find the best car insurance in Greeley.
On average, car insurance in Greeley costs $88 per month for liability-only coverage and $183 per month for full coverage.
State Farm has the cheapest car insurance in Greeley, Colorado, at an average of $48 per month. That’s for a liability-only policy that meets Colorado’s minimum car insurance requirements.
Greeley insurers typically offer good driver discounts and discounts for bundling auto and home insurance, renters insurance, or even life insurance. Some offer discounts for setting up auto pay. Colorado state law also requires insurers to offer a discount to drivers 55 and older who complete an approved defensive driving course.
Your age, gender, driving record, vehicle, how much you drive, and where in Greeley you live affect your car insurance costs. The coverage types, coverage limits, and deductibles you choose also influence your car insurance rates in Greeley.
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:
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
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.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
