Table of contents
How much is car insurance in Littleton?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Littleton is about $9 a month more expensive than the rest of Colorado.
On the flip side, when compared to the national average, the cost for auto insurance in Littleton is lower. You can expect to pay about $0 below the national average for auto insurance in Littleton.
Although these are the average car insurance rates in Littleton, 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. 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 policy payment.
Don't sweat it however, we've broken down the average rate for Littleton residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Littleton may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Littleton, the difference is around $7 a month. Based on the chart above, you can see that female drivers pay around $76 on average, while male drivers typically pay $83 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Littleton with one accident will pay around $102 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $136 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$85|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Littleton, with drivers paying around $74 per month for insurance.
Truck and van drivers will see rates of about $79, while the rates for car owners average out to about $84 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Littleton are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Littleton is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Another factor that comes into play is your housing situation. Drivers who own property in Littleton can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Littleton, CO
Recent trends in car insurance for Littleton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Littleton, auto insurance rates went up from 2016-2017, where they reached a high of $87, before leveling out in 2018. Car insurance rates increased once again in 2019, and have continued rising through 2021, where they finished at $87 a month.
How does Littleton compare to neighboring areas?
Why are car insurance rates in Littleton different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of car accidents
- Number of drivers
- Local crime rates
- Off-street parking accessibility
- Area laws
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. With the knowledge 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 Littleton?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Littleton.
Littleton Insurance FAQs
What factors affect car insurance quotes in Littleton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Littleton different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Littleton?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Littleton?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Littleton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.