Englewood, CO Car Insurance

On average, Englewood drivers pay a monthly average rate of around $72 for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Englewood expect to pay for their car insurance? How does Englewood compare to the surrounding area and the rest of Colorado? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Englewood?

Area Average Monthly Car Insurance Premium
Englewood$72
CO$71
United States$80

As you can tell by looking at the chart above, auto insurance rates in Englewood are about the same as the rest of Colorado.

That being said, car insurance rates in Englewood are often favorable when viewed against the rest of the country. You can expect to pay about $8 below the national average for auto insurance in Englewood.

Bear in mind that while these are the average car insurance rates for Englewood, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Englewood to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$99
25-34$69
35-44$74
45-54$59
55-64$60
65+$62

The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Englewood may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$71
Female$73

On average, female drivers pay slightly less than male drivers for car insurance. In Englewood, however, men actually pay a bit less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$136
1 Ticket$78
Multiple Tickets$119

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Englewood, having a single accident on your record will usually get you rates around $91 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$66
2-3 Years$61
4-5 Years$68
6-7 Years$63
8-10 Years$78
11-14 Years$75
15 Years or Older$72

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Englewood, with drivers paying around $69 per month to insure their vehicle.

Car owners will see rates of about $73, while truck and van owners typically pay around $71 a month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Englewood, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$72
Married$79
Divorced$60
Widowed$71

Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award 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. Englewood follows that pattern, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$74
Live with parents$114

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $12 a month more than drivers who own property in Englewood. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Englewood, CO

Recent trends in car insurance for Englewood drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of car insurance in Englewood went up from 2016-2017, before leveling out in 2018. Car insurance rates finished up in 2021, at $76 per month

How does Englewood compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Frequency of car accidents
  • Regional crime rates
  • Total number of drivers in the area
  • Off-street parking availability
  • Community regulations

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Englewood?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Englewood.

Compare the cheapest quotes from dozens of insurance companies

Englewood Insurance FAQs

What factors affect car insurance quotes in Englewood?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Englewood different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Englewood?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Englewood?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Englewood or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes