Fort Collins, CO Car Insurance

Fort Collins drivers pay, on average, around $60 a month for their car insurance. To learn more about policy rates and coverage in the Fort Collins area, continue reading our guide below.
Are rates in Fort Collins higher or lower than those in neighboring areas? How do they compare to the rest of Colorado? What should residents of Fort Collins expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Fort Collins?

Area Average Monthly Car Insurance Premium
Fort Collins$60
CO$71
United States$80

As you can see in the chart above, it is around $11 a month cheaper to insure your vehicle in Fort Collins than it is in the rest of Colorado.

Compared to the rest of the country, auto insurance in Fort Collins is more affordable. You can expect to pay about $20 below the national average for auto insurance in Fort Collins.

While these are the average costs to insure your vehicle in Fort Collins, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Fort Collins residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$167
18-24$87
25-34$50
35-44$49
45-54$47
55-64$44
65+$45

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Fort Collins.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$60

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Fort Collins is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$98
1 Ticket$86
Multiple Tickets$91

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Fort Collins with a single accident on their record is about $85 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$68
4-5 Years$60
6-7 Years$51
8-10 Years$64
11-14 Years$61
15 Years or Older$58

According to the first table above, the cheapest vehicles to insure in Fort Collins are usually trucks and vans, at $52 per month.

SUV drivers will see rates of about $56, while the rates for car owners average out to about $62 per month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Fort Collins, 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)$64
Married$51
Divorced$44
Widowed$47

On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Fort Collins as well, where the difference is around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$61
Live with parents$80

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $11 a month more than those who own their own home in Fort Collins. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Fort Collins, CO

Recent trends in car insurance for Fort Collins drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Fort Collins, auto insurance rates have been steadily increasing, reaching a high of $77 in 2021.

How does Fort Collins compare to neighboring areas?

Why are car insurance rates in Fort Collins different from other areas?

Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Access to off-street parking
  • General road safety (how many accidents each locality has)
  • Regional laws
  • Area crime rates
  • Number of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Fort Collins?

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.

Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Fort Collins.

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Fort Collins Insurance FAQs

What factors affect car insurance quotes in Fort Collins?

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 driving record, credit score, address, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Fort Collins?

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 Fort Collins?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Fort Collins 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.

Find your best rate in just a few minutes