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How much is car insurance in Fort Collins?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $12 a month cheaper to insure your vehicle in Fort Collins than it is in the rest of Colorado.
Drivers relocating from out of state may enjoy some cost savings in Fort Collins. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Fort Collins.
While these numbers represent the average monthly payments for coverage in Fort Collins, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price 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 Fort Collins and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $40 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Fort Collins drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Fort Collins, however, men actually pay slightly less than female drivers for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. The rate for drivers in Fort Collins with a single accident on their record is about $84 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $69 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$59|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Fort Collins, with drivers paying around $54 per month for insurance coverage.
Car owners, on the other hand, typically pay around $63 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.
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 a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Fort Collins are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Fort Collins follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
One other element taken into consideration is your living situation. Homeowners in Fort Collins can expect to pay around $11 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Fort Collins, CO
Recent trends in car insurance for Fort Collins drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Fort Collins, car insurance rates rose from 2017-2018, before steadying out in 2019. Rates increased again, hitting a high of $68 in 2021, and finished down at $63 in 2022.
How does Fort Collins compare to neighboring areas?
Why are car insurance rates in Fort Collins different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Area crime rates
- Off-street parking availability
- Total number of drivers in the community
- Local 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Fort Collins?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Fort Collins.
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Fort Collins Insurance FAQs
What factors affect car insurance quotes in Fort Collins?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Fort Collins 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Fort Collins?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fort Collins?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Fort Collins or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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