The Cheapest Auto Insurance Companies in Fort Collins, Colorado, in 2025
State Farm has the cheapest car insurance in Fort Collins, with rates starting at $53 per month.
Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
)
Written byMandy Sleight
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
Edited byMatthew Gross
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
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.
In This Article
Fort Collins drivers pay an average of $123 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, Mile Auto, and Progressive offer below-average rates, starting at $53 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.
Key Takeaways
The cheapest car insurance company in Fort Collins is State Farm, with liability rates starting at $53 per month.
Fort Collins drivers pay an average of $83 per month for liability coverage and $164 for full coverage.
Colorado requires drivers to have at least 25/50/15 liability coverage to legally drive.
The Cheapest Car Insurance Companies in Fort Collins, Colorado
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.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $53 |
| Mile Auto | $61 |
| Progressive | $64 |
| Sun Coast | $64 |
| USAA | $67 |
| Root | $68 |
| The General | $69 |
| American Family | $72 |
| Bristol West | $72 |
| GEICO | $80 |
| Allstate | $81 |
| Nationwide | $87 |
| Auto-Owners | $93 |
| Foremost | $97 |
| Safeco | $100 |
| Dairyland | $110 |
| Direct Auto | $110 |
| National General | $119 |
| Travelers | $131 |
| Farmers | $137 |
| Liberty Mutual | $175 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest Car Insurance in Fort Collins by Driver and Coverage Type
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 | $53 |
| Full coverage | State Farm | $97 |
| Teens | State Farm | $103 |
| Seniors | State Farm | $41 |
| Drivers with a speeding ticket | State Farm | $67 |
| Drivers with an at-fault accident | State Farm | $68 |
| Drivers with a DUI | State Farm | $77 |
| Drivers with excellent credit | State Farm | $45 |
| Drivers with poor credit | Mile Auto | $75 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Get Cheaper Car Insurance in Minutes
Comparing quotes can save you up to $867.†
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Fort Collins drivers pay an average of $83 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.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $164 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $224 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $102 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $158 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.
Average Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $158 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.
Average Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $173. 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.
Average Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $154 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.
Average Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our Picks for the Best Auto Insurance in Fort Collins
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 | 3.1 |
|---|---|
| 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. | $98/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. | $198/mo |
3.1
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (6)
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 2025
It seems expensive, and there's no communication with me!
Dana
Verified Review
Can't reach anyone, and they cancelled without notification
Reviewed in Nevada on January 2025
Ridiculous!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
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.
Pros
Ranks No. 2 for customer satisfaction in Southwest region
Many local agents
Vanishing deductible and deductible waiver available
Cons
Rideshare coverage not available
Below-average digital shopping experience
Fewer coverage options than some competitors
| User Reviews | 3.9 |
|---|---|
| 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. | $59/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. | $119/mo |
3.9
A solid optionBased on 594 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (299)
Adele
Verified Review
Rogue Sport
Reviewed in New Jersey on December 2025
The receptionist is very friendly and handles my payment. My agent has not been responsive. I have heard from her maybe once or twice in two years. I’m currently getting quotes from other companies to compare rates.
Richard
Verified Review
My Experience with Customer Service
Reviewed in California on December 2025
My experience with my car insurance was great.
Diana
Verified Review
Well, this year for 2026 the policy has come down
Reviewed in Illinois on November 2025
The problem is the price of the policy for my year of car.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Local agents available
Above-average customer service rating
Bundling discount available
Cons
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. | $278/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. | $435/mo |
4.0
Best choiceBased on 7 verified guest reviews and ratings
How drivers feel about Amica Insurance
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Amica Insurance
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (3)
David
Verified Review
Excellent
Reviewed in Washington on June 2025
Good. Expensive though.
Ionica
Verified Review
Good
Reviewed in Florida on January 2025
The insurance is good, but it's expensive.
Nancy
Verified Review
Overall Excellent but Too Expensive for My Limited Yearly Mileage
Reviewed in Arizona on July 2024
The company is excellent, but it's too expensive for the state I live in.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
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.
Pros
Offers a dividend auto policy
Multiple discounts for safety features
Above-average auto claims satisfaction rating
Cons
Rideshare coverage not available in Colorado
Higher-than-average rates
No local agents
Find the Best Company for You
Local rates start as low as $53 per month.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Colorado Auto Insurance Requirements
)
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.
Is minimum coverage enough in Fort Collins?
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.
Fort Collins Auto Insurance FAQs
Below, we answered some common questions from drivers about auto insurance in Fort Collins, Colorado.
How much is car insurance in Fort Collins?
Car insurance in Fort Collins costs an average of $123 per month, according to Compare.com data. Liability-only coverage costs an average of $83 per month, while full coverage costs $164 per month.
What’s the cheapest auto insurance company in Fort Collins?
State Farm is the cheapest auto insurance company in Fort Collins, according to Compare.com data. State Farm’s rates start at $53 per month.
Is car insurance in Fort Collins expensive?
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 $123 per month for car insurance, according to Compare.com data. Compare that to the national average rate of $137 per month.
What is the average cost of car insurance per month in Colorado?
The average cost of car insurance in Colorado is $142 per month, according to Compare.com data. Premiums cost an average of $93 per month for liability-only coverage and $191 per month for full coverage.
Methodology
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.
)
Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.