Brighton, CO Car Insurance

Drivers in Brighton pay, on average, $67 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Are rates in Brighton higher or lower than those in neighboring areas? How do they compare to the rest of Colorado? How much can residents of Brighton expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Brighton?

Area Average Monthly Car Insurance Premium
Brighton$67
CO$71
United States$80

Auto insurance coverage in Brighton is about $4 cheaper than it is in the rest of Colorado.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Brighton is rather affordable. The average monthly payment in Brighton is about $13 cheaper than the rate for the rest of the United States.

Bear in mind that while these rates represent the expected monthly payments for Brighton drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Brighton residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$110
25-34$58
35-44$61
45-54Not Enough Data
55-64$50
65+$49

The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Brighton.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$68

On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly auto insurance coverage, the difference in Brighton is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$83
1 Ticket$93
Multiple Tickets$118

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Brighton, a driving record with a single accident will usually get you a rate around $87 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $93 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$84
4-5 Years$67
6-7 Years$70
8-10 Years$59
11-14 Years$69
15 Years or Older$67

According to the first table above, SUVs are typically the cheapest vehicles to insure in Brighton, with drivers paying around $61 per month for auto insurance coverage.

Car owners, on the other hand, by and large pay around $72 a month, while truck and van drivers can expect to pay about $62 per month for auto insurance.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Brighton are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$72
Married$62
Divorced$48
Widowed$49

Overall, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Brighton as well, where the difference is around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$69
Live with parents$130

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Brighton. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Brighton, CO

Recent trends in car insurance for Brighton drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The cost of insurance in Brighton had been increasing consistently from 2016 through the present, where they hit $85 a month in 2021.

How does Brighton compare to neighboring areas?

Why are car insurance rates in Brighton different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Number of drivers in the community
  • Road Safety (frequency of car accidents)
  • Crime levels
  • Community regulations
  • Off-street parking accessibility

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Brighton?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering plans in Brighton.

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Brighton Insurance FAQs

What factors affect car insurance quotes in Brighton?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Brighton different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Brighton?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Brighton?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Brighton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes