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How much is car insurance in Greeley?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Greeley typically costs about $5 a month less than it does in the rest of Colorado.
Likewise, car insurance rates in Greeley are often favorable when viewed against the rest of the country. Auto insurance coverage in Greeley is about $14 cheaper than it is for the rest of the United States.
Bear in mind that while these rates are the average costs for residents of Greeley, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Greeley residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $58 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Greeley may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Greeley goes against the grain. Female drivers typically pay around $6 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Greeley with a single accident will pay around $90 a month. In addition, drivers with one ticket can expect to pay around $82 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$64|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Greeley, with drivers paying around $56 per month for auto insurance coverage.
Car owners will see a monthly rate of about $72, while SUV owners usually pay around $65 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. 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)||$71|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Greeley is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Greeley, expect to pay around $11 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Greeley, CO
Recent trends in car insurance for Greeley drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Greeley declined from 2017-2018, before steadying out in 2019. They finished down in 2022, at $64 per month
How does Greeley compare to neighboring areas?
Why are car insurance rates in Greeley different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Area crime rates
- Number of drivers
- Off-street parking access
- Area regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Greeley?
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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Greeley.
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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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Greeley 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 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 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.
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