Cheap Auto Insurance Quotes in Greeley, CO (2023)

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Tanveen Vohra
Tanveen Vohra
Updated August 31, 2022
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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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.

Quick Facts
  • The average cost of car insurance in Greeley is $189 per month, or $2268 annually.

  • Car insurance in Greeley is $2 more than the average cost of car insurance in Colorado.

  • The cheapest car insurance provider in Greeley on average is Acuity, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

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.

See More:

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Cheapest Car Insurance in Greeley, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in GreeleyQuotes
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.
State Farm$94 /mo
Allstate$96 /mo
Nationwide$157 /mo
Travelers$188 /mo
American Family$211 /mo

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 company reviews. The following are the top rated companies that offer car insurance in Greeley. For the complete list, see Insurify's best car insurance companies .

Best CompaniesScoreQuotes
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.
American Family89$240 /mo
Safeco86$258 /mo
Liberty Mutual82$296 /mo
Travelers80$219 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Colorado Cities
Denver$236/mo
Colorado Springs$215/mo
Aurora$228/mo
Fort Collins$142/mo
Greeley$162/mo
Colorado$197/mo
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.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Colorado

All motor vehicles operated or parked on Colorado roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Colorado[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Colorado is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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
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.
teens$407
20s$257
30s$195
40s$266
50s$162
60s$160
70s$148
80sN/A

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.

Driving HistoryAvg. Monthly Cost
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.
No Violation$222
Speeding Ticket$272
At-Fault Accident$250
Failure to Stop for Red Light / Stop Sign$219

See More:

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

See More: Bad Credit Car Insurance Colorado

Find local Greeley agents

  • Bicknell Insurance Inc

    4239 Centerplace Drive,
    Greeley, CO 80634
  • ALINK Insurance Services - Greeley

    1275 58th Ave Unit B,
    Greeley, CO 80634
  • Professional Risk, an Alera Group Agency LLC

    8213 W 20th St,
    Greeley, CO 80634-3031
  • Flood & Peterson Inc

    4687 W. 18th St,
    Greeley, CO 80632
  • Mitchell Insurance Agency Inc.

    3835 W 10th St STE 200D,
    Greeley, CO 80634
  • Front Range Insurance & Financial Services

    2867 17th Ave Ste 2,
    Greeley, CO 80631
  • Union Colony Insurance Agency, Inc.

    1218 8th Ave,
    Greeley, CO 80631-4012
  • Tribbett Agency LLC

    1750 25th Ave. #205,
    Greeley, CO 80634-4945
  • Mike Mitchell Insurance Agency Inc.

    3835 W 10th St. Suite 200D,
    Greeley, CO 80634
  • Aztlan Insurance Agency

    911 27th Avenue,
    Greeley, CO 80634
View more

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.

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.

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.

Insurify Insights

How Greeley Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Greeley, Colorado below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Greeley drivers measure up to their fellow motorists across Colorado in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Greeley

#6

City with the Most Speeding Tickets Rank in Colorado

#10

City with the Most Moving Violations Rank in Colorado

#16

City with the Most DUIs Rank in Colorado

#8

City with the Most Suspended Licenses in Colorado

  • 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. Greeley drivers rank 31 in the number of car accidents per driver across all cities in Colorado.

    • Rank within state: #31
    • Percent of drivers in Greeley with an accident: 7.4%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Greeley drivers rank 16 in the number of DUI’s per driver across all cities in Colorado.

    • Rank within state: #16
    • Percent of drivers in Greeley with a DUI: 2.3%
  • 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, Greeley drivers rank 14 in the number of reckless driving offenses per driver.

    • Rank within state: #14
    • Percent of drivers in Greeley with a reckless driving offense: 2%
  • 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, Greeley drivers rank 10 in rude driving infractions.

    • Rank within state: #10
    • Percent of drivers in Greeley with a reckless driving violation: 2.6%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Greeley drivers rank 6 in the number of speeding infractions per driver.

    • Rank within state: #6
    • Percent of drivers in Greeley with a speeding ticket: 14.1%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Greeley drivers rank 30 in clean driving records across all cities in Colorado.

    • Rank within state: #30
    • Percent of drivers in Greeley with clean record: 72.8%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Greeley drivers rank 30 in hybrid and electric vehicle ownership across all cities in Colorado.

    • Rank within state: #30
    • Percent of drivers in Greeley with a hybrid/electric vehicle: 0.35%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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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.

Sources

  1. Colorado General Assembly. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
Tanveen Vohra
Tanveen VohraManager of Content and Communications

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Olivia Oksenhorn
Edited byOlivia OksenhornInsurance Writer
Photo of an Insurify author
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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