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How much is car insurance in Brighton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $4 a month cheaper to insure your vehicle in Brighton 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 for the United States as a whole is about $13 more expensive than in Brighton.
These rates may be the average amount Brighton residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Brighton residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $50 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Brighton.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Brighton, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Brighton with one accident will pay around $85 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $71.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$68|
The cheapest vehicles to insure in Brighton are by and large trucks and vans, with each type typically costing about $61 per month.
SUV drivers will see rates of about $63 for car insurance coverage, while car owners usually pay around $74 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Brighton, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
More often than not, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Brighton follows that pattern, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Brighton, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Brighton, CO
Recent trends in car insurance for Brighton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Brighton, the rates for auto insurance had been increasing from 2017-2020, when they hit a high of $76. This changed in 2021, when rates started to turn downward. This pattern has continued through the present, where rates recently reached $65.
How does Brighton compare to neighboring areas?
Why are car insurance rates in Brighton different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Community regulations
- Off-street parking access
- Amount of drivers in the area
- Road Safety (frequency of local car accidents)
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Brighton?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies 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 like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Brighton different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Brighton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brighton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Brighton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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