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How much is car insurance in Englewood?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Englewood are about the same as the rest of Colorado.
If you're thinking of moving to Englewood from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $9 more expensive than the rates you'd pay in Englewood.
Although these are the average monthly costs for an auto insurance policy in Englewood, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Englewood and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Englewood may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Englewood, however, men actually pay a bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Englewood, a driving record with a single accident will usually get you a rate around $91 a month. In addition, drivers with one ticket can expect to pay around $84 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$72|
According to the first table above, SUVs, trucks, and vans are typically the cheapest vehicles to insure in Englewood, with drivers paying around $70 per month for insurance coverage.
Car owners, however, pay about $73 per month to insure their car.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Englewood, 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)||$72|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Englewood.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $14 a month more than homeowners in Englewood. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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.
Auto insurance rates in Englewood decreased from 2017-2018 -- where they reached a low of $64 -- before leveling out in 2019. Policy premiums decreased again in 2020, and finished up at $86 in 2022.
How does Englewood compare to neighboring areas?
Why are car insurance rates in Englewood different from other areas?
There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Access to off-street parking
- Regional laws
- Area crime rates
- Amount of drivers in the community
- Road Safety (frequency of car accidents)
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Englewood?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Englewood.
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Englewood Insurance FAQs
What factors affect car insurance quotes in Englewood?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Englewood different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Englewood?
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 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, 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 Englewood 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.
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