Cheap Auto Insurance Quotes in Greeley, CO (January 2022)

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Last Updated: January 2022

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.
$94
$96
$157
$188
$211
State FarmAllstateNationwideTravelersAmerican Family

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!

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.

Average Car Insurance Cost

$193
$216
$215
$228
$142
$162
ColoradoDenverColorado SpringsAuroraFort CollinsGreeley
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Greeley, 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

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.

Driving History
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.

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.

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

Insurify Insights: How Greeley Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Greeley, CO
suspended licenses
#7
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 Greeley 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 in Greeley

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 14 in the number of car accidents per driver across all cities in Colorado.

  • Rank within state: #14
  • Percent of drivers in Greeley with an accident: 10.64%
  • Drivers in Greeley, CO with an accident in their driving history paid on average 23.16% more than drivers with a clean record

Speeding in Greeley

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 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Greeley with a speeding ticket: 15.96%
  • Drivers in Greeley, CO with a speeding ticket in their driving history paid on average 40.68% more than drivers with a clean record

DUI/DWIs in Greeley

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: 2.17%
  • Drivers in Greeley, CO with a DUI in their driving history paid on average 62.71% more than drivers with a clean record

Most Popular Vehicle in Greeley

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Greeley is the Ford F-Series Pickup.

Rude in Greeley

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 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Greeley with a reckless driving violation: 3.8%
  • Drivers in Greeley, CO with a reckless driving violation in their driving history paid on average 17.51% more than drivers with a clean record.

Safest Drivers in Greeley

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Greeley drivers rank 11 in clean driving records across all cities in Colorado.

  • Rank within state: #11
  • Percent of drivers in Greeley with clean record: 74.16%

Failure to Yield the Right of Way in Greeley

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Greeley drivers rank 8 in failure to yield violations per driver across all cities in Colorado.

  • Rank within state: #8
  • Percent of drivers in Greeley with a failure to yield violation: 0.54%
  • Drivers in Greeley, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Greeley

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 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Greeley with a reckless driving offense: 0.43%

Hybrid/Electric Vehicle Ownership in Greeley

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Greeley drivers rank 16 in hybrid and electric vehicle ownership across all cities in Colorado.

  • Rank within state: #16
  • Percent of drivers in Greeley with a hybrid/electric vehicle: 1.06%

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.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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