Clifton, CO Car Insurance

Are rates in Clifton higher or lower than those in neighboring areas? How do they compare to the rest of Colorado? How much can residents of Clifton expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Clifton?

According to the chart above, the average cost of auto insurance in Colorado is about $14 a month more expensive than it is in Clifton.

Compared to the national average cost of auto insurance coverage, Clifton has lower rates. Auto insurance coverage in Clifton is about $23 cheaper than it is for the rest of the U.S.

Although these are the average rates for auto insurance in Clifton, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've analyzed the average rate for Clifton and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may start to rise again in Clifton.

Average Car Insurance Rates by Gender

While women typically pay less than men do for auto insurance, Clifton bucks this trend. Female drivers typically pay around $10 more a month for auto insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay less than those with infractions. In Clifton, drivers with one accident on their record will experience rates around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $69 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

According to the first table above, SUVs are usually the cheapest vehicles to insure in Clifton, with drivers paying around $50 per month for insurance coverage.

Car owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $53 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Clifton are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Clifton are about the same.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing situation. In Clifton, homeowners can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance 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

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

Auto insurance rates in Clifton rose from 2017-2018, before leveling out in 2019. They finished up in 2022, at $65 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 variety of factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Amount of off-street parking
• Laws
• Amount of drivers in the area
• Crime
• Frequency of car accidents

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Clifton?

Arming 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.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Clifton.

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Clifton Insurance FAQs

What factors affect car insurance quotes in Clifton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.

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

Parking situations, crime rates, 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 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 however, by using sites like Compare.com to compare multiple quotes at once.

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

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. 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?