Cheap Auto Insurance Quotes in Greeley, CO (2021)

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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.

An hour away from Denver, Greeley is a little more off the beaten path than bigger cities in Colorado because it’s not accessible from the country’s interstate system. Accessibility to cheap auto insurance options is always a must though—and an important part of owning a car in Greeley.

Though US-34 E will get you there, finding this city of 100,000 people isn’t as easy as signaling left or right off of I-25. While being located in an out-of-the-way place might make interstate accidents nonexistent, Greeley is still a place where roadway mishaps can happen. Having auto insurance coverage here is a must.

Car Insurance in Greeley, 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 Greeley, CO to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Greeley, CO

Here are the cheapest carriers in Greeley 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 Greeley, 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 Greeley. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Greeley, CO Driving Facts

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
colorado

Greeley Car Insurance Rates by Driver Age

Older drivers in Greeley pay the least for their car insurance but don’t get to enjoy these price cuts until later in life. Prices range from $194 to $265 for drivers between the ages of 20 and 49, and by the time motorists are in their 70s, their rates hover around the $147 price point. Motorists in their teens pay the most in this city, with rates that are just above $400 on average, showing that Greeley values experience behind the wheel.

Driver's AgeAvg. Monthly Cost
teens$407
20s$257
30s$195
40s$266
50s$162
60s$160
70s$148
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$222
Speeding Ticket$272
At-Fault Accident$250
Failure to Stop for Red Light / Stop Sign$219

Greeley Car Insurance Rates by Driving and Accident History

Adding a violation to your driving record in Greeley can be costly, and you should expect to see prices rise a little from the $221 rate that those with a clean driving history are charged. Failing to stop at an intersection won’t make much of a difference, yet an at-fault accident adds about $28 to one’s premium. A speeding ticket is the most costly incident, with prices averaging around $271.

Greeley Car Insurance Rates by Credit Tier

Making strides to improve your credit rating is smart if you’re hoping to save money on your car insurance. Residents of Greeley see the most savings when they reach the excellent tier, with premiums that average $172. Both good and average ratings cost slightly more, at $235 and $234, respectively, while individuals with poor credit find they pay the most for their coverage, with prices that average $245.

Credit TieAvg. Monthly Cost
Excellent$173
Good$236
Average$235
Poor$246

Greeley, CO DMV Information

Weld County DMV locations are few—there’s one off 17th St. in Greeley and two more in nearby Del Camino and Fort Lupton. You can make an appointment at these three offices, but you can avoid going out altogether by taking care of most of your DMV-related business online. Coloradans can also step up to any self-service kiosk in the state to renew vehicle registration. Several of these yellow and blue timesavers are in or near Greeley.

Public Transportation in Greeley, CO

Even if you don’t have your own ride or are taking a break from the road these days, you can get around Greeley pretty easily by taking advantage of their public transit system, GET (Greeley-Evans Transit). The city provides fixed-route services, paratransit services, and Call-N-Ride within Greeley, Garden City, and Evans. Bonus if you are a student at the University of Northern Colorado: students can ride free with their ID. Want to know when the next bus is coming? You can download the Route Shout app to check out arrival times and more easily plan your public transportation trip. These rides don’t operate on major holidays, but taxi service is another option in this town.

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

While day-trippers often exit the city to explore towns like Loveland, Fort Collins, and Boulder, Greeley has a flavor all its own that’s waiting for you to experience it.

Visiting the city’s creative district is something that no one should miss. It includes hundreds of pieces of indoor and outdoor art that encourages and celebrates the city’s artistic expression. Art indeed is unique and so are everyone’s auto insurance needs. Let Insurify be your “home base” for getting your unique auto insurance needs taken care of quickly—and at a price you can be happy about.

Insurify Rankings

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 Greeley stacks up for the state of Colorado:

ford
Ford F-Series Pickup
Most Popular Car in
Greeley, CO
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

FAQs - Greeley, CO Car Insurance

How much insurance do I have to have in Colorado?

Every state requires you to carry a minimum amount of liability coverage in case you hurt someone else or damage someone else’s property while driving. In Colorado, those minimums include $25,000 for bodily injury or death to any one person in an accident, $50,000 for bodily injury or death to all persons in any one accident, and $15,000 for property damage in any one accident.

What is MedPay?

MedPay is a type of coverage that is used to pay for medical coverage in an accident regardless of who is at fault. It applies to both you and your passengers and is used in addition to your regular health insurance. Colorado has a mandatory MedPay law that requires all insurers to offer drivers $5,000 minimum MedPay coverage. You can opt out of this type of coverage if you want to.

How do I know if I have the right amount of insurance coverage in Colorado?

Don’t worry too much about making sure you have the minimum required by state law, as the insurance companies are in the know and will do that work for you. A minimum liability policy may be right for you if that’s all you can afford, but there are optional coverages you’ll want to at least consider, as minimum liability policies only protect the other driver.