Table of contents
How much is car insurance in Greeley?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Greeley than it is in the rest of Colorado.
Similarly, car insurance rates in Greeley are more affordable than the national average. On average, it's about $14 less to insure your vehicle in Greeley than it is in the rest of the U.S.
While these are the average car insurance rates for Greeley, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Greeley residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $55 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates start to rise again once you hit retirement in Greeley.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Greeley, where female drivers pay around $4 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. Drivers in Greeley with one accident will pay around $93 a month. In addition, drivers with a single ticket on their record can expect to pay around $111 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$60|
The cheapest vehicles to insure in Greeley are usually trucks and vans, with each type typically costing about $52 per month.
Car owners will see a monthly bill of about $69, while SUV owners typically pay around $62 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Greeley are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, married policyholders will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Greeley is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than those who own their own home in Greeley. But if you live with your parents, your rates will be significantly higher.
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 Greeley, CO
Recent trends in car insurance for Greeley drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in Greeley had been increasing from 2016-2017, before leveling out in 2018. Rates finished up in 2021, at $77 a month
How does Greeley compare to neighboring areas?
Why are car insurance rates in Greeley different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Road Safety (frequency of car accidents)
- Amount of drivers
- Local regulations
- Off-street parking accessibility
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 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 Greeley?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Greeley.
Greeley Insurance FAQs
What factors affect car insurance quotes in Greeley?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Greeley different from other neighboring cities?
Crime rates, parking situations, 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 Greeley?
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 Greeley?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Greeley or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.