Greeley Car Insurance

Greeley is home to the University of Northern Colorado, which draws an array of students and guests to the area. The town also hosts one of the nation’s largest jazz festivals each spring. With permanent residents and visitors crowding the local roadways, accidents can happen. For peace of mind, Greeley residents need good, quality car insurance. It can protect them from financial disaster after an accident. 

An Independent Insurance Agent will assess the unique risks you face as a Greeley driver. A local agent can help you find quality, affordable coverage for your family.

How much does Greeley car insurance cost?

Greeley car insurance costs about $231 per month, on average. What you pay is personal, based on things like your ZIP code, the make, and model of your car and the distance you drive to work or school every day. Your rates may be higher or lower than average. If you have a long commute or drive an expensive car, your rates may be higher than the rate of people with different circumstances. 

Colorado Car Insurance Requirements

If you own a vehicle in Colorado, you are required to purchase auto insurance. Each state has certain minimum requirements for auto insurance. In Colorado, you must have the following coverage in order to comply with the law: 

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required
• Uninsured motorist coverage: Not required
• Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

While this may seem like great coverage, a minimum-coverage policy may leave you seriously underinsured. If you cause a major collision, you will have to pay out of pocket for all of the expenses that exceed your coverage limits. These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course. The problem is that sometimes people drive without any insurance. 13.3% of Colorado drivers are uninsured. Without a financial backup plan for accidents, uninsured drivers force everyone else on the road to pay for their mistakes. That's why Greeley drivers need “uninsured motorist coverage.” If you are hit by an uninsured driver, it covers your car repairs and medical bills when you cannot collect from the at-fault driver. In some states, all drivers are required 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 Greeley Auto Insurance?

Car insurance premiums are not just about where you live. Your monthly Greeley auto insurance payment is based on how risky you are as a driver — or how likely you are to file a claim. Insurance companies evaluate all of your individual risk factors, including the following:

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

Drivers who are considered to be bigger risks than others will pay more for auto insurance. You will likely pay more if you:

• are young.
• drive an expensive car.
• are single.
• have a history of accidents or speeding tickets.

To keep your Greeley car insurance rates down, try to control what you can. Maintain a clean driving record and drive a safe, modestly priced vehicle.

Here are some city factors that will affect your rate:

Commute time: Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Drivers with longer daily commutes tend to pay more for car insurance. With shorter-than-average commute times, some Greeley drivers can expect to pay less for car insurance than drivers in other cities.

• National Average: 25.4 minutes
• Greeley Average: 20.8 minutes

Theft in your city: The auto theft rate in Greeley is lower than in the U.S., overall. This is good news for Greeley residents; you likely pay less for car insurance because you live in a relatively safe city. But no matter where you live, your car can be stolen. To prevent theft and break-ins, always secure your vehicle and keep valuables hidden inside your car. Never leave your car running while unattended, and keep it locked — even in your own driveway.

If you drive a car with an alarm or another anti-theft device, ask your insurance agent if you qualify for a special discount.

• Auto Theft Rate in the U.S. (per 1,000 vehicles): 2.28
• Auto Theft Rate in Colorado (per 1,000 vehicles): 3.89
• Auto Theft Rate in Greeley (per 1,000 vehicles): 1.73

How to Find Affordable Auto Insurance in Greeley

Affordable insurance is available in Greeley. Simply talk to an independent insurance agent about getting quotes from multiple insurance companies. Our local agents can find you quality policy options from reputable insurance companies so you can choose the option that best fits your needs and budget. Your agent will get to know you and your family and assess your risks so you can have peace of mind.