Cheap Auto Insurance Quotes in Fort Collins, CO (2023)

Located toward the northern border of Colorado, Fort Collins is a small city that’s easy to navigate. With only one major highway bisecting the metropolitan area, the opportunity for car accidents is more limited compared to other busier parts of the nation. While most residents have grown accustomed to driving in snow, visitors to Fort Collins should be prepared for hazardous driving conditions during the winter months. Even during summer weather, it’s important for residents to make sure they have appropriate auto insurance coverage.

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

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• Cheap Car Insurance Colorado

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Cheapest Car Insurance in Fort Collins, 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 Fort Collins, 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 Fort Collins. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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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.

Fort Collins Car Insurance Rates by Driver Age

Growing older in Fort Collins has a lot of perks, including getting to enjoy a decrease in your car insurance rates. Drivers under 20, who are still getting comfortable behind the wheel, pay the most for coverage, at an average of $375, and as time goes on, this rate drops significantly. The oldest motorists in Fort Collins, individuals in their 80s, tend to have the cheapest insurance rates in the area, at an average price of only $135 a month.

Fort Collins Car Insurance Rates by Driving and Accident History

In some cities, your driving record plays a large role in your car insurance rates, yet in Fort Collins, drivers find that’s not often the case. Anyone with a clean driving history pays around $193 for coverage, and their rate stays almost the same, even if they receive a failure-to-stop violation. A speeding ticket will cause an increase in price up to about $224, while an at-fault accident brings premiums to an average of $231 a month.

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• High-risk Car Insurance Colorado

• DUI Car Insurance Colorado

Fort Collins Car Insurance Rates by Credit Tier

Your credit score isn’t as crucial as you think in Fort Collins when it comes to paying cheaper car insurance rates. Drivers with poor or average credit are often charged $206 or $191, respectively, while boosting your credit to the good tier only drops rates by $4. Motorists who have excellent credit are sometimes surprised to be charged an average of $222, further proving that premiums are calculated using a range of factors.

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Fort Collins, CO DMV Information

There’s only one DMV office in Fort Collins itself, with several others located in surrounding communities. Since it’s open Monday through Friday from 8 a.m. to 5 p.m., drivers are often able to visit the DMV and accomplish their tasks without having to endure long wait times. Unlike some of the other DMV locations across the country, residents in or near Fort Collins do not have the option to visit an office on Saturdays.

Public Transportation in Fort Collins, CO

Getting around Fort Collins without a vehicle can be tricky, depending on what day you’re out and about, as the city’s bus system only operates Monday through Friday. Named Transfort, it offers 22 different routes in and around the downtown area. Weekend travel may necessitate calling an Uber or Lyft; however, if the weather is nice, you can adventure on an electric scooter instead!

For more detailed Colorado city level guides, check out these below.

• Average Cost of Car Insurance Rates in Colorado

• DUI Car Insurance Rates in Colorado

• High-Risk Driver Car Insurance Rates in Colorado

• Colorado Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Colorado

• SR-22 Insurance in Colorado

How to get the best and cheapest car insurance in Fort Collins, CO

If you love historic cities, Fort Collins is a great place to live or visit, but it’s important that you make sure you have adequate auto insurance before you ever get behind the wheel here. Driving in snowy weather may present challenges, and since Colorado is an at-fault state when it comes to accidents, you’ll want to use caution.

Rather than worry about having to pay out of pocket in the event of a collision, it’s best to make sure you have a robust auto insurance policy. Head over to Insurify to compare prices with just a few clicks of your mouse, and discover the options that best meet your auto coverage needs.

FAQs - Fort Collins, CO Car Insurance