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How much is car insurance in Clifton?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Clifton is about $14 cheaper than it is in the rest of Colorado.
Likewise, the expected monthly payments for an auto insurance policy in Clifton are below the national average. You can expect to pay about $23 less for your policy in Clifton than in the rest of United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Clifton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $44 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Clifton drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Clifton, where female drivers pay around $9 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Clifton, a driving record with one accident will usually get you a rate around $87 a month. Similarly, drivers with one ticket will typically pay around $97 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$58|
The cheapest vehicles to insure in Clifton are by and large SUVs, with each type typically costing about $49 per month.
Truck and van drivers will see rates of about $53, while the rates for car owners average out to about $60 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Clifton, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Clifton are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor taken into consideration is your living accommodations. Drivers who own property in Clifton can expect to pay around $12 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Clifton, CO
Recent trends in car insurance for Clifton 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.
The rates for car insurance in Clifton dropped from 2016-2017, before steadying out in 2018. They finished down in 2021, at $48 per month
How does Clifton compare to neighboring areas?
Why are car insurance rates in Clifton different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Total amount of drivers in the community
- Road safety
- Access to off-street parking
- Area crime rates
- Local laws
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Clifton?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing policies in Clifton.
Clifton Insurance FAQs
What factors affect car insurance quotes in Clifton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Clifton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Clifton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Clifton?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Clifton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?