How much is car insurance in Greeley?

The overall average cost of car insurance in Greeley is $130 per month. On average, Greeley drivers pay $79 per month for liability coverage and $181 for full-coverage insurance.

Which company has the cheapest car insurance in Greeley?

State Farm has the cheapest average liability coverage in Greeley, with a rate of $42 per month. Other cheap insurers include USAA and American Family, which have monthly liability rates of $54 and $58. The best way to find cheap car insurance is to compare multiple quotes at once.

What are the best car insurance companies in Greeley?

With an Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and high marks in claims and customer satisfaction from J.D. Power, State Farm is the best car insurance company in Greeley. On average, State Farm policyholders in Colorado pay $47 per month for liability insurance and $98 for full-coverage insurance. Other top insurers in Greeley include USAA and American Family.

Cheap Car Insurance in Greeley, CO, Starting at $42

Tabla de contenidos

Cheapest companies
Get cheap rates
Liability only
Full coverage
CO requirements
Rates by history
Rates by age
Rates by credit
FAQs

With an average monthly cost of $130, car insurance in Greeley is a bit less expensive than the Colorado state average of $149.

The area is prone to natural disasters like flooding due to snowmelt from the Rocky Mountains, which can theoretically increase average insurance costs in the area. However, the Front Range — a corridor of the Rockies — has reservoirs that help control the flooding, likely contributing to lower costs.

Comparing quotes from multiple insurers is the best way to find cheap car insurance in Greeley. Here’s what you need to know.

Datos Breves

Greeley drivers pay $79 per month for liability coverage and $181 for full-coverage insurance, on average.

State Farm, USAA, and American Family have the cheapest average car insurance rates in Greeley.
Colorado is an at-fault state, which means the responsible driver must cover the other driver’s resulting medical bills and vehicle repair costs.^[1]

3 of the cheapest car insurance companies in Greeley

Average premiums in Colorado increased by 14% in 2023 compared to the previous year, according to Insurify proprietary data. As you compare quotes to find cheaper coverage, keep in mind that the best auto insurance company for your situation depends on your needs, budget, and driver profile.

Compare three of the best insurers in Greeley below. The average quotes included reflect statewide costs.

Insurance Company	IQ Score 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.	Full Coverage	Liability Only	Best for
State Farm	4.5	$98	$47	Low rates
USAA	4.5	$127	$61	Veterans
American Family	4.3	$135	$65	Teens and families

Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Puntaje compuesto de Insurify (ICS)
El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.
Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for low rates: State Farm

low ratesState Farm

Compare personalized, real-time quotes

IQ Score 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.	4.5
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.	$42/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.	$85/mo

Overview

Cost is a big factor for Greeley drivers to consider when buying car insurance, especially because the area has the third-lowest average income among all Colorado’s metro areas.^[2] State Farm has the cheapest average rates for both liability and full-coverage insurance in Greeley.

State Farm has 15 local agents in Greeley for personalized service backed by above-average ratings for claims handling and customer satisfaction.

Pros and cons

Ventajas

Local insurance agents for quality service
Bundling policies can lower costs by up to 23%

Contras

Accident forgiveness coverage not available
Gap insurance not available

Reviews

Read our State Farm review

Walters - April 25, 2024

Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024

Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024

Verified

Pricing

Be careful of the price quoted. It can change.

…

Best insurer for veterans: USAA

veteransUSAA

Compare personalized, real-time quotes

IQ Score 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.	4.5
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.	$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.	$111/mo

Overview

USAA is the best insurer option for the 4,950 veterans living in Greeley.^[3] The company tailors coverage and benefits to current and former military members, including military discounts and flexible payment options. USAA earns high marks for customer and claims satisfaction from J.D. Power.

Pros and cons

Ventajas

Telematics program can lower rates up to 30%
Gap and rideshare insurance available

Contras

Coverage only for former, current, and reserve military members and their families
On-base discount is only for comprehensive coverage plans

Reviews

Read our USAA review

Bill - April 22, 2024

Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024

Verified

Excellent

So far, so good.

Robert - April 19, 2024

Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

…

Best insurer for teens and families: American Family

teens and familiesAmerican Family

Compare personalized, real-time quotes

IQ Score 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.	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.	$58/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.	$118/mo

Overview

Car insurance for teen drivers is expensive. For the nearly 160,000 licensed drivers younger than 20 in Colorado, American Family can help keep rates low.^[4]

The company offers discounts for young drivers and families, such as savings for earning good grades, volunteering, students living away from home while in college, bundling insurance policies, and signing up for online billing.

Pros and cons

Ventajas

Discounts for teens and families
Affordable rates for all drivers

Contras

Bundling discounts limited to specific coverages
Safe driving discount programs not available in Colorado

Reviews

Read our American Family review

Keith - April 12, 2024

Verified

Horrible

They are uncaring, overpriced, and rude.

Hugh - April 1, 2024

Verified

Excellent

It was good for several years, then the price went up.

David - March 28, 2024

Verified

Horrible

They increase your policy's cost double even without any accidents or tickets.

Find Cheap Car Insurance in Greeley, Colorado

Liability quotes start as low as $42 per month

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

How to get the cheapest car insurance in Greeley

Driver age, vehicle type, coverage options, driving history, and ZIP code are a few factors that determine how much you pay for car insurance. When quoting your car insurance rate, insurers consider these factors to determine your risk level.

Here are some ways to find affordable insurance coverage in Greeley:

Look for discounts. Qualifying for discounts is one of the easiest ways to lower your insurance costs. Ask your insurance company about savings for insuring multiple vehicles, maintaining good driving records, or completing defensive driving courses.
Drive safely. Practice safe driving habits behind the wheel. Avoiding car accidents, speeding tickets, and other traffic violations can help keep rates down.
Comparison shop. Different companies charge unique rates for the same coverages. Always compare prices from various insurers to find the best deals.
Understand your coverage needs. Going with the minimum required coverage can save you money on premiums up front, but it might not offer enough protection if you have a significant accident.

Cheapest liability-only car insurance in Greeley: State Farm

Liability-only car insurance covers the damages or injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability. However, it doesn’t cover damages to your vehicle or your personal injuries.

State Farm provides the most affordable liability-only car insurance in Greeley, with monthly rates of $42.

For more insight into the cost of liability insurance in the city, refer to the average monthly quotes from various insurers in the table below.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Average Monthly Quote
State Farm	42
USAA	54
American Family	58
Sun Coast	61
GEICO	64
State Auto	64
Allstate	65
Nationwide	69
Safeco	69
Progressive	73
Auto-Owners	75
The General	77
Midvale Home & Auto	86
Bristol West	88
Dairyland	90
Foremost	99
Direct Auto	103
Travelers	105
Farmers	110
Liberty Mutual	121

Cheapest full-coverage car insurance in Greeley: State Farm

Full coverage goes beyond basic liability to include comprehensive and collision coverage, protecting your vehicle against various types of damage. It’s often the best option if you own a newer or high-value vehicle or want extra peace of mind.

In Greeley, State Farm stands out for affordable full-coverage car insurance, with rates of $85 per month.

The following table shows how much Greeley insurance companies charge for full-coverage insurance.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Average Monthly Quote
State Farm	85
USAA	111
American Family	118
GEICO	131
Allstate	133
Nationwide	134
Safeco	146
Sun Coast	149
Progressive	150
Auto-Owners	153
Midvale Home & Auto	161
Travelers	174
Direct Auto	194
Liberty Mutual	201
Bristol West	207
State Auto	218
Dairyland	220
The General	220
Farmers	225
Foremost	278

Estimate your Greeley car insurance costs

Estado

Edad

Puntaje de crédito

¿Estás asegurado?

Tu oferta estimada

*Estimación basada en un promedio de tarifas proporcionadas a otros usuarios como tú.

Selecciona los descuentos que se aplican a ti

Soy un buen conductor

Ahorra 25%

Soy propietario de una casa

Ahorra 4%

Estoy casado(a)

Ahorra 19%

Tengo varios autos

Ahorra 38%

Car insurance requirements in Colorado

Auto insurance is mandatory for Colorado drivers. Before you can legally drive your vehicle, you must have liability coverage that includes bodily injury and property damage protection. Colorado law follows a fault system that makes you responsible for injuries and vehicle damage for accidents you cause.

Here are the specific minimum insurance requirements in Colorado:^[5]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$15,000 per accident

Minimum coverage amounts required by the state often aren’t enough to protect you financially, according to the National Association of Insurance Commissioners (NAIC).^[6] Greeley residents should consider the following additional insurance plans for more financial protection:

Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can pay for your bodily injury and loss if you have a car accident with another driver with insufficient or no insurance.
Collision coverage
Collision insurance can cover damages to your vehicle after an accident, regardless of fault.
Comprehensive coverage
Comprehensive insurance kicks in for non-collision damages from theft, severe weather, and more.
Medical payments coverage
Medical payments coverage pays for medical expenses for you and your passengers after an accident, no matter who’s at fault.
Gap insurance
Gap insurance covers the difference between a vehicle’s actual cash value and the loan balance if the insurer considers it a total loss after an accident or vehicle theft.
Custom parts and equipment coverage
Custom parts and equipment coverage protects aftermarket modifications or custom parts you add to your car against damage or theft.

Cheapest car insurance for drivers with an incident

An incident refers to a traffic violation on your driving record. If you have an at-fault accident, speeding ticket, or driving under the influence (DUI) charge on your record, insurers view you as having a higher risk for future claims. The city of Greeley has a higher-than-average rate of fatal vehicle crashes when compared to other Colorado cities.^[7]

Insurers charge high-risk drivers more expensive rates. On average, Greeley drivers with a past incident pay $103 per month for liability car insurance. Compare average liability quotes for Greeley residents by driving record below.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	42	54	55	66
USAA	54	71	71	85
American Family	58	77	77	91
GEICO	64	84	84	101
Allstate	65	85	86	102
Nationwide	69	91	92	109
Safeco	69	97	99	109
Progressive	73	99	99	115
Auto-Owners	75	101	100	118
The General	77	105	105	121
Bristol West	88	118	116	138
Dairyland	90	122	121	142
Direct Auto	103	139	140	162
Travelers	105	140	140	165
Farmers	110	144	145	173
Liberty Mutual	121	170	171	190

Average cost of car insurance by age

Your age is a significant factor in how much you pay for car insurance. Teen drivers face the highest rates, mainly because driving inexperience increases their chance of having an accident. Prices decrease significantly for drivers 35 and older thanks to more experience on the road. But after age 70, senior drivers see rates increase due to aging-related risk factors.

Consider the table below for a better idea of how age affects auto insurance policy costs for Greeley drivers.

Age	Average Monthly Quote
Teens	$313
20s	$387
30s	$361
40s	$306
50s	$229
60s	$161
70s	$120

Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Greeley, CO

Insurify partners with top insurers for real-time quotes

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

Greeley car insurance quotes by credit tier

In Colorado, your credit score can influence your car insurance rates. Insurers use a credit-based insurance score to assess risk but can’t cancel or refuse coverage because of credit alone. Generally, excellent or good credit scores indicate a lower risk to insurers, leading to cheaper insurance premiums for you, while drivers with poor credit scores pay more.

Here’s a look at how full-coverage car insurance quotes in Greeley vary across different credit tiers.

Rates by Credit Tier

Category	Price
Excellent	135
Good	159
Fair	175
Poor	264

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.

Greeley car insurance FAQs

Before you start shopping around for car insurance, you should determine how much coverage you need. The following information can help you find cheap auto insurance in Greeley.

How much is car insurance in Greeley?
The overall average cost of car insurance in Greeley is $130 per month. On average, Greeley drivers pay $79 per month for liability coverage and $181 for full-coverage insurance.
Which company has the cheapest car insurance in Greeley?
State Farm has the cheapest average liability coverage in Greeley, with a rate of $42 per month. Other cheap insurers include USAA and American Family, which have monthly liability rates of $54 and $58. The best way to find cheap car insurance is to compare multiple quotes at once.
What are the best car insurance companies in Greeley?
With an Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and high marks in claims and customer satisfaction from J.D. Power, State Farm is the best car insurance company in Greeley. On average, State Farm policyholders in Colorado pay $47 per month for liability insurance and $98 for full-coverage insurance. Other top insurers in Greeley include USAA and American Family.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

Nolo. "Colorado Car Accident Laws."
National Low Income Housing Coalition. "Colorado."
United States Census Bureau. "QuickFacts Greeley city, Colorado."
U.S. Department of Transportation Federal Highway Administration. "Licensed Male Drivers, by Age 1/2020."
Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
National Association of Auto Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
City of Greeley. "Transportation Performance Measures."

Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Más información

Editado porKatie PowersEscritora de seguros

Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

Las tarifas más baratas encontradas recientemente en Colorado

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $47/mes para solo responsabilidad y $98/mes para cobertura total en Colorado.

Tabla de contenidos

Tabla de contenidosComparar cotizaciones

3 of the cheapest car insurance companies in Greeley

Best insurer for low rates: State Farm

low ratesState Farm

Best insurer for veterans: USAA

veteransUSAA

Best insurer for teens and families: American Family

teens and familiesAmerican Family

Find Cheap Car Insurance in Greeley, Colorado

How to get the cheapest car insurance in Greeley

Cheapest liability-only car insurance in Greeley: State Farm

Cheapest full-coverage car insurance in Greeley: State Farm

Estimate your Greeley car insurance costs

Selecciona los descuentos que se aplican a ti

Edad

Puntaje de crédito

¿Estás asegurado?

Tu oferta estimada

Selecciona los descuentos que se aplican a ti

Car insurance requirements in Colorado

Uninsured/underinsured motorist coverage

Collision coverage

Comprehensive coverage

Medical payments coverage

Gap insurance

Custom parts and equipment coverage

Cheapest car insurance for drivers with an incident

Average cost of car insurance by age

Shop for Car Insurance in Greeley, CO

Greeley car insurance quotes by credit tier

Rates by Credit Tier

Greeley car insurance FAQs

Metodología

Sources

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