Fort Collins Car Insurance

Find the right car insurance policy for you.


Fort Collins, Colorado, is located 65 miles north of Denver. With an average annual snowfall of 59 inches in Fort Collins, residents need to be skilled winter drivers. And they need good, quality Fort Collins car insurance to protect them from the financial consequences of a mishap on the road. With the help of an Independent Insurance Agent, Fort Collins drivers can find a car insurance policy that tackles their unique risks and doesn’t break the bank.

How Much Does Fort Collins Car Insurance Cost?

Fort Collins auto insurance costs around $104 per month, on average. For some people, that may seem affordable, but no one should overpay. Your insurance rates are based on your unique characteristics, like where you live, what you drive and how far you drive each day. If you think your rates are higher than average, it might be time to shop around. No matter where you live, an agent will assess your risks and help you find a policy that protects what matters most at a price you can afford.

What Does Fort Collins Car Insurance Actually Do For Me?

The roads in Fort Collins can become wet, snowy and dangerous. Car insurance helps you pay if you are in an accident. Certain types of coverage can also help you if your car is stolen or is damaged by weather or some other mishap. Here’s how your Fort Collins auto insurance coverage can help you after a crash and what required amounts you must purchase in the state of Colorado.

Colorado Car Insurance Requirements

As a Colorado driver, you're required to have minimum coverage of $25,000 for an individual injury, $50,000 total for all injuries and $15,000 for property damage. But these limits may not be enough if you're in an accident bigger than a fender bender. Talk to an agent about higher limit options so you can feel secure when you're on the road.

Who Pays If the Accident Wasn't My Fault?

The driver who caused the accident, of course. Unfortunately, some people drive without car insurance. 13.3% of Colorado drivers are uninsured. Without insurance coverage, uninsured drivers probably can’t pay if they are at fault for an accident. This is why Fort Collins drivers need “uninsured motorist coverage.” If an uninsured driver hits you, uninsured motorist coverage pays to fix your vehicle and helps with your medical bills. Some states require all drivers to have a minimum amount of uninsured motorist coverage, but Colorado is not one of them.


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What Affects the Cost of Fort Collins Auto Insurance?

Your monthly Fort Collins car insurance payment is based on several of your personal characteristics. These characteristics help insurance companies predict how risky you are as a driver. These risk factors include the following:

  • Your age
  • Your gender
  • Your marital status
  • Your ZIP code
  • Your driving record
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive plays a huge role in what you pay for car insurance. If a car is more likely to be involved in a crash or costs more than average to repair or replace, it will cost more to insure. Hybrids and electric cars, for example, are more difficult and costly to repair. If you own a hybrid, you likely will pay more for your Fort Collins car insurance than an owner of a similar gas-powered car. If you drive a sports car with a powerful engine, you are more likely to speed and more likely to have a crash. Go ahead and buy the Ferrari, but don’t be shocked at how much it costs to insure.

Here Are Some City Factors That Will Affect Your Rate:

Commute time: The more time you spend on the road, the more likely it is that you'll be in an accident. Car insurance costs more for drivers with long commute times. Fort Collins drivers tend to have commute times that are lower than the national average, helping to keep car insurance rates down.

  • National Average: 25.4 minutes
  • Fort Collins Average: 18.4 minutes

Theft in your city: Car theft is uncommon in Fort Collins, and although your city is safe, your car can still be stolen or vandalized. Thefts and break-ins can be costly. Most stolen cars have to be replaced. Even if your car is eventually found, it likely will be stripped for parts and totaled. After a break-in, your windows and locks will need repair, and any stolen personal property must be replaced.

With a Fort Collins car insurance policy, you can sleep easy. If you are a victim of auto theft, you'll receive timely assistance and compensation so you can get back on the road with confidence.

  • Auto Theft Rate in the U.S. (per 1,000 vehicles): 2.28
  • Auto Theft Rate in the U.S. (per 1,000 vehicles): 3.80
  • Auto Theft Rate in Fort Collins (per 1,000 vehicles): 1.48

How to Find Affordable Auto Insurance in Fort Collins

No matter where you live or what kind of car you drive, you can find affordable Fort Collins car insurance with the help of an independent insurance agent. Our network agents are not tied down to one carrier. They will get to know you, assess your risks and find quotes from multiple insurance companies. You can choose the option that best fits your needs and budget.

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