+120 more*These quotes are from Compare.com users in and around Fort Collins, Colorado within the last 10 days. Updated on June 22, 2026
*These quotes are from Compare.com users in and around Fort Collins, Colorado within the last 10 days. Updated on June 22, 2026
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Fort Collins drivers pay an average of $126 per month for auto insurance. The city’s rates are typically lower than larger Colorado cities like Aurora and Denver due to fewer people, less traffic, and lower accident risks.
But you don’t have to settle for the average premiums. Companies like State Farm, Sun Coast, and USAA offer below-average rates, starting at $50 per month.
We’ll break down the cheapest insurance companies for different drivers and coverage needs so you can figure out the best insurer for you. Plus, we’ll give you tips to help you slash your insurance costs.
The cheapest car insurance company in Fort Collins is State Farm, with liability rates starting at $50 per month.
Fort Collins drivers pay an average of $81 per month for liability coverage and $170 for full coverage.
Colorado requires drivers to have at least 25/50/15 liability coverage to legally drive.
Regardless of Fort Collins’ average car insurance rates, several companies offer policies for well below the citywide average — if you know where to look.
Consider getting quotes from the companies listed in the table below, which have the cheapest average premiums in Fort Collins, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| Sun Coast | $60 |
| Progressive | $64 |
| USAA | $64 |
| The General | $65 |
| American Family | $68 |
| Root | $70 |
| Mile Auto | $74 |
| GEICO | $75 |
| Allstate | $77 |
| Bristol West | $81 |
| Nationwide | $82 |
| Auto-Owners | $88 |
| Mendota | $101 |
| Trexis | $102 |
| Safeco | $103 |
| Foremost | $104 |
| National General | $108 |
| Dairyland | $116 |
| Direct Auto | $116 |
| Insurify Car | $116 |
| Travelers | $124 |
| Farmers | $130 |
| Liberty Mutual | $167 |
While the companies above are a good starting point, keep in mind that your personal rates can vary widely by factors like your age, driving history, and location.
The table below shows the cheapest insurers in Fort Collins for a variety of coverage types and driver profiles, according to our data.
Driver or Policy Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $50 |
| Full coverage | State Farm | $113 |
| Teens | State Farm | $97 |
| Seniors | State Farm | $38 |
| Drivers with a speeding ticket | State Farm | $65 |
| Drivers with an at-fault accident | State Farm | $67 |
| Drivers with a DUI | State Farm | $71 |
| Drivers with excellent credit | State Farm | $43 |
| Drivers with poor credit | State Farm | $72 |
Comparing quotes can save you up to $867.*
Fort Collins drivers pay an average of $81 per month for state-minimum coverage. But most experts recommend buying more than the state requirements for better financial protection in case you cause an accident.
Check out the chart below for the five cheapest companies for state-minimum coverage in Fort Collins, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| Sun Coast | $60 |
| Progressive | $64 |
| USAA | $64 |
| The General | $65 |
| American Family | $68 |
| Root | $70 |
| Mile Auto | $74 |
| GEICO | $75 |
| Allstate | $77 |
| Bristol West | $81 |
| Nationwide | $82 |
| Auto-Owners | $88 |
| Mendota | $101 |
| Trexis | $102 |
| Safeco | $103 |
| Foremost | $104 |
| National General | $108 |
| Dairyland | $116 |
| Direct Auto | $116 |
| Insurify Car | $116 |
| Travelers | $124 |
| Farmers | $130 |
| Liberty Mutual | $167 |
Most drivers should consider full-coverage car insurance, as it also covers your injuries and vehicle damage. In addition to the state-required liability insurance, full coverage typically includes comprehensive and collision coverages, which help pay to repair or replace your car, no matter who’s at fault.
The average cost of full coverage in Fort Collins is $170 per month. But some insurers offer rates close to the city’s average liability premium. If you lease or finance your vehicle, your lender will likely require you to buy full coverage.
The chart below highlights the five cheapest full-coverage insurers in Fort Collins, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $113 |
| Progressive | $139 |
| Root | $141 |
| USAA | $145 |
| American Family | $156 |
| GEICO | $172 |
| Mile Auto | $174 |
| Allstate | $175 |
| Safeco | $177 |
| Bristol West | $178 |
| The General | $186 |
| Nationwide | $187 |
| Sun Coast | $189 |
| Auto-Owners | $201 |
| National General | $229 |
| Mendota | $235 |
| Direct Auto | $241 |
| Trexis | $255 |
| Dairyland | $259 |
| Liberty Mutual | $271 |
| Travelers | $284 |
| Farmers | $296 |
| Foremost | $320 |
Despite driving less than other age groups, fatal crash rates for drivers aged 20 or younger are three times higher than other age groups. Which is why teens and young drivers pay the most for auto insurance.
Fort Collins teens pay around $231 per month for car insurance. But it’s still possible for young drivers to find a good deal by shopping around.
Let’s take a look at the five cheapest companies for teens in Fort Collins, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $97 |
| Root | $106 |
| Sun Coast | $110 |
| Progressive | $117 |
| The General | $118 |
| USAA | $119 |
| American Family | $129 |
| GEICO | $136 |
| Bristol West | $144 |
| Mile Auto | $153 |
| Allstate | $153 |
| Nationwide | $160 |
| Auto-Owners | $179 |
| Mendota | $185 |
| Trexis | $187 |
| Dairyland | $203 |
| Safeco | $210 |
| Insurify Car | $213 |
| National General | $216 |
| Direct Auto | $226 |
| Travelers | $259 |
| Farmers | $261 |
| Liberty Mutual | $294 |
Seniors often enjoy the cheapest car insurance rates of any age group. Older drivers typically have decades of experience behind the wheel, drive fewer miles, and have safer driving habits.
In Fort Collins, the average rate for seniors is $103 per month. But even with already low premiums, shopping around could help you find even cheaper options.
The chart below shows the five cheapest insurers in Fort Collins for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| Sun Coast | $49 |
| USAA | $50 |
| Progressive | $52 |
| American Family | $53 |
| The General | $54 |
| Mile Auto | $57 |
| GEICO | $58 |
| Allstate | $61 |
| Nationwide | $61 |
| Root | $63 |
| Bristol West | $66 |
| Auto-Owners | $67 |
| National General | $82 |
| Mendota | $83 |
| Trexis | $84 |
| Safeco | $88 |
| Direct Auto | $93 |
| Insurify Car | $95 |
| Dairyland | $96 |
| Travelers | $96 |
| Farmers | $100 |
| Liberty Mutual | $135 |
Getting a ticket can cause your car insurance rates to spike when your policy renews. Insurers consider violations like speeding as a sign that you’ll file future claims, which leads to more expensive premiums. In fact, our research shows that even a single speeding ticket raises average rates by 36% nationwide.
Fort Collins drivers with a recent ticket pay an average of $166 per month. But many insurance companies still offer competitive rates.
The chart below breaks down the five cheapest companies in Fort Collins for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Sun Coast | $79 |
| Progressive | $84 |
| USAA | $85 |
| Root | $86 |
| The General | $89 |
| American Family | $90 |
| Mile Auto | $92 |
| GEICO | $101 |
| Allstate | $102 |
| Bristol West | $105 |
| Nationwide | $109 |
| Auto-Owners | $117 |
| Mendota | $133 |
| Trexis | $134 |
| National General | $138 |
| Safeco | $138 |
| Dairyland | $148 |
| Direct Auto | $149 |
| Insurify Car | $152 |
| Travelers | $165 |
| Farmers | $171 |
| Liberty Mutual | $218 |
Causing an accident can increase your car insurance premiums even more than a ticket. Our research shows that a single at-fault accident causes average rates to increase by 40% nationwide.
On average, drivers in Fort Collins with a recent accident pay $169 per month for auto insurance. But you can usually find a better deal with one of the insurers highlighted below.
Here are Fort Collins’ five cheapest insurers for drivers with an at-fault accident, according to our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Sun Coast | $80 |
| Progressive | $86 |
| USAA | $87 |
| Root | $89 |
| The General | $90 |
| American Family | $92 |
| GEICO | $100 |
| Mile Auto | $100 |
| Allstate | $104 |
| Bristol West | $108 |
| Nationwide | $111 |
| Auto-Owners | $118 |
| Mendota | $135 |
| Trexis | $136 |
| Safeco | $144 |
| National General | $145 |
| Dairyland | $154 |
| Insurify Car | $155 |
| Direct Auto | $159 |
| Travelers | $169 |
| Farmers | $175 |
| Liberty Mutual | $223 |
A driving under the influence (DUI) conviction typically causes the steepest car insurance rate hikes of any driving incident. Our research shows that average premiums rise by 61% nationwide following a DUI conviction.
In Fort Collins, the average monthly premium for drivers with a DUI is $175. While that’s significantly higher than average, you’re not necessarily stuck paying outrageous premiums. Many insurers specialize in working with high-risk drivers, including people with DUIs.
The chart below highlights the five cheapest auto insurers in Fort Collins for drivers with a DUI on their record, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $71 |
| Sun Coast | $83 |
| Progressive | $89 |
| The General | $89 |
| USAA | $91 |
| American Family | $92 |
| Root | $99 |
| Mile Auto | $105 |
| GEICO | $105 |
| Allstate | $109 |
| Bristol West | $115 |
| Nationwide | $116 |
| Auto-Owners | $118 |
| Mendota | $140 |
| Trexis | $141 |
| National General | $153 |
| Safeco | $155 |
| Insurify Car | $161 |
| Dairyland | $164 |
| Direct Auto | $164 |
| Travelers | $176 |
| Farmers | $184 |
| Liberty Mutual | $236 |
Some insurance companies factor in your credit history when setting car insurance rates. Data shows that drivers with poor credit tend to file more claims than drivers with excellent credit. In fact, poor credit increases average rates by 61% nationwide.
Fort Collins drivers with poor credit pay an average of $158 per month for car insurance. But not all insurers use credit history when setting rates, and some still offer affordable rates regardless of your credit history.
Check out the chart below for the five companies that offer the cheapest rates in Fort Collins for drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $72 |
| Sun Coast | $75 |
| USAA | $79 |
| Progressive | $80 |
| The General | $80 |
| American Family | $82 |
| Root | $87 |
| Mile Auto | $92 |
| GEICO | $93 |
| Allstate | $95 |
| Bristol West | $100 |
| Nationwide | $101 |
| Mendota | $126 |
| Safeco | $127 |
| Trexis | $128 |
| Auto-Owners | $132 |
| National General | $134 |
| Dairyland | $143 |
| Direct Auto | $143 |
| Insurify Car | $145 |
| Travelers | $153 |
| Farmers | $161 |
| Liberty Mutual | $200 |
There’s no one-size-fits-all car insurance company for every type of driver. The best choice for you depends on your needs, budget, and driving record. That said, some insurers consistently stand out.
We picked the following top companies based on a combination of average rates in Colorado, available coverages and discounts, and customer reviews and ratings.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Nationwide’s SmartRide telematics program earned the No. 1 spot in the J.D. Power 2025 U.S. Auto Insurance Study, making it a great choice for safe drivers. If you’re OK with sharing your data and driving habits, you could save up to 40% on your auto insurance premiums.
Low-mileage drivers may also want to consider Nationwide for pay-per-mile insurance through its SmartMiles program. The company also has plenty of agents in Fort Collins, which is great if you’re looking for personalized service.
Ranks No. 2 for customer satisfaction in Southwest region
Many local agents
Vanishing deductible and deductible waiver available
Rideshare coverage not available
Below-average digital shopping experience
Fewer coverage options than some competitors
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the more affordable car insurance options in Fort Collins. The company advertises average savings of more than $50 per month for customers switching from another insurer. It also consistently ranks well for customer and claims satisfaction by J.D. Power.
Fort Collins drivers can get personalized service from one of State Farm’s local agents. Plus, you can save even more if you bundle your auto insurance with a homeowners or renters policy.
Local agents available
Above-average customer service rating
Bundling discount available
Gap insurance not available
Fewer discounts than competitors
Strict accident forgiveness requirements
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $250/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $449/mo |
Although Amica isn’t the cheapest car insurance in Fort Collins, it stands out for its wide range of discounts — especially for vehicles with safety features. One unique perk is its dividend policy, which returns up to 20% of your annual premium, a rare offering in the auto insurance industry.
Amica ranks among the top companies for digital experience in the latest J.D. Power study. That’s a good thing, considering the company doesn’t have any local offices in Fort Collins.
Offers a dividend auto policy
Multiple discounts for safety features
Above-average auto claims satisfaction rating
Rideshare coverage not available in Colorado
Higher-than-average rates
No local agents
Local rates start as low as $50 per month.
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Like most states, Colorado requires all drivers to have car insurance. The Centennial State’s minimum liability coverage requirements are:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$15,000 per accident of property damage liability coverage
Colorado has a comparative fault system, meaning you can receive less compensation if you’re partially at fault for an accident. For instance, if you’re 20% at fault, you could receive 20% less for your injuries or vehicle damage.
If you’re 50% or more at fault, you won’t receive any compensation under Colorado’s modified comparative negligence rule.
Most experts recommend buying higher liability limits than the state’s minimum requirements. Liability-only coverage can quickly fall short after a serious crash.
The average injury claim in Fort Collins was nearly $80,000 in 2023, with more severe injuries often exceeding $300,000 or more, according to the City of Fort Collins. Raising your liability limits may cost a bit more, but it can keep you from paying more out of pocket if you cause an accident.
Below, we answered some common questions from drivers about auto insurance in Fort Collins, Colorado.
Car insurance in Fort Collins costs an average of $126 per month, according to Compare.com data. Liability-only coverage costs an average of $81 per month, while full coverage costs $170 per month.
State Farm is the cheapest auto insurance company in Fort Collins, according to Compare.com data. State Farm’s rates start at $50 per month.
It depends. Factors like your age, driving record, vehicle type, coverage options, and ZIP code all affect your car insurance costs. Fort Collins drivers pay an average of $126 per month for car insurance, according to Compare.com data. Compare that to the national average rate of $140 per month.
The average cost of car insurance in Colorado is $144 per month, according to Compare.com data. Premiums cost an average of $91 per month for liability-only coverage and $197 per month for full coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.