Fountain, CO Car Insurance

Residents of Fountain pay, on average, about $78 per month for car insurance. To learn more about what you're likely to pay in the Fountain area, read our guide below.
How does Fountain stack up to the rest of the area, or even Colorado as a whole? What can Fountain residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Fountain?

Area Average Monthly Car Insurance Premium
Fountain$78
CO$71
United States$80

Coverage for your vehicle in Fountain will typically run you about $7 a month more than in the rest of Colorado.

However, the expected monthly payments for an auto insurance policy in Fountain are below the national average. On average, it's about $2 less to insure your vehicle in Fountain than it is in the rest of the United States.

While these are the average car insurance rates for Fountain, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've broken down average rates for Fountain to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$135
25-34$68
35-44$73
45-54Not Enough Data
55-64$65
65+$55

Generally, the older you are, the more experienced you are on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Fountain may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$81

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Fountain actually goes against the grain. While female drivers pay $81 per month to insure their car, males only pay about $75.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$89
1 Ticket$84
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Fountain with a single accident will pay around $94 a month. In addition, drivers with one ticket can expect to pay around $84 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$87
4-5 Years$59
6-7 Years$121
8-10 Years$78
11-14 Years$78
15 Years or Older$73

If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Fountain, with drivers paying around $74 per month for insurance coverage.

Truck and van drivers will see rates of about $75, while the rates for SUV owners average out to about $96 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Fountain, vehicles six-to-seven years old and two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$76
Divorced$73
Widowed$49

Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Fountain, with married couples paying about $7 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$75
Rent$80
Live with parents$77

Your living situation is another component of how insurance companies calculate your monthly rate. In Fountain, homeowners can expect to pay around $5 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Fountain, CO

Recent trends in car insurance for Fountain drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Car insurance rates in Fountain went up from 2016-2019, before steadying out in 2020. They finished down in 2021, at $59 per month

How does Fountain compare to neighboring areas?

Why are car insurance rates in Fountain different from other areas?

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Total number of drivers in the area
  • Amount of off-street parking
  • Prevalence of crime
  • Community regulations
  • Road Safety (how many accidents each locality has)

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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Fountain?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Fountain.

Compare the cheapest quotes from dozens of insurance companies

Fountain Insurance FAQs

What factors affect car insurance quotes in Fountain?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

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 Fountain?

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fountain or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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