Cheapest and Best Car Insurance Companies in Fort Collins, CO


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The best auto insurer for you may vary based on your driver profile and specific needs. Most Fort Collins residents will get the cheapest rates from American National P&C; it has the least expensive policies for minimum and full coverage, drivers with traffic violations and military members. Meanwhile, GEICO is the cheapest provider for teen drivers and Acuity offers the best service. American National P&C also offers the best cheap car insurance in the city.

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2024

Cheapest and Best Car Insurance in Fort Collins, CO

Why Trust MoneyGeek? We looked into numerous car insurance quotes in Fort Collins and data from the Colorado department of insurance
 and Quadrant Information Services.

106,836Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Fort Collins

The following car insurance providers offer the most affordable minimum coverage policies in Fort Collins:

  • American National P&C: $179 per year
  • Colorado Farm Bureau: $247 per year

Allstate is the most expensive insurer in Fort Collins for minimum coverage policies at $595 per year. American National P&C also provides the cheapest auto insurance in Colorado at $216 per year as of October 2022, which indicates that Fort Collins residents generally pay less than most cities in the state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American National P&CAnnual Premium$179Monthly Premium$15
Colorado Farm BureauAnnual Premium$247Monthly Premium$21
GEICOAnnual Premium$300Monthly Premium$25
Auto-Owners Insurance CoAnnual Premium$305Monthly Premium$25
State FarmAnnual Premium$350Monthly Premium$29
American FamilyAnnual Premium$383Monthly Premium$32
KemperAnnual Premium$394Monthly Premium$33
NationwideAnnual Premium$400Monthly Premium$33

State law determines the liability limits for minimum coverage insurance. In Colorado, the following property damage and bodily injury liability limits are required:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Liability insurance covers the cost of damages to others’ vehicles or bodily injuries. If you purchase the minimum coverage in Colorado, your insurer will cover up to $25,000 for injuries per person, up to $50,000 per accident. In addition, they will pay up to $15,000 in property damage.

Cheapest Full Coverage Car Insurance in Fort Collins

The cheapest auto insurers in Fort Collins for full coverage policies are:

  • American National P&C: $462 per year
  • GEICO: $636 per year

For full coverage, Acuity charges $1,148 annually, making it the most expensive car insurer in the city. American National P&C also provides the cheapest full coverage auto insurance in Colorado at $541 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$462Monthly Premium$39
GEICOAnnual Premium$636Monthly Premium$53
Colorado Farm BureauAnnual Premium$675Monthly Premium$56
American FamilyAnnual Premium$758Monthly Premium$63
State FarmAnnual Premium$798Monthly Premium$67
Auto-Owners Insurance CoAnnual Premium$854Monthly Premium$71
NationwideAnnual Premium$898Monthly Premium$75
ProgressiveAnnual Premium$899Monthly Premium$75

A full coverage policy increases liability-only insurance and includes comprehensive and collision coverage.

  • Collision insurance: Helps cover the cost of damages to your car following an accident involving a collision with another vehicle or object (pole, stop sign, mailbox, etc.).
  • Comprehensive insurance: Offsets the cost of damages to your car from natural disasters, vandalism or theft.

Typically, full coverage car insurance benefits those with new vehicles. It may not be worth the added cost for drivers with older vehicles.

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Cheapest Car Insurance in Fort Collins After a Driving Offense

In Fort Collins, the following insurers offer the cheapest rates for drivers with these traffic violations:

  • Speeding ticket: American National P&C ($535 per year)
  • At-fault accident: American National P&C ($616 per year)
  • DUI: American National P&C ($682 per year)

Acuity offers the most expensive rates for drivers with speeding tickets, at-fault accidents and DUI offenses at $2,516 per year. Even rates from cheap companies are typically more expensive for drivers with offenses than average-priced rates for drivers with a clean history.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American National P&CAnnual Premium$535Monthly Premium$45
GEICOAnnual Premium$793Monthly Premium$66
Colorado Farm BureauAnnual Premium$809Monthly Premium$67
American FamilyAnnual Premium$861Monthly Premium$72
State FarmAnnual Premium$872Monthly Premium$73
Auto-Owners Insurance CoAnnual Premium$944Monthly Premium$79
AllstateAnnual Premium$1,027Monthly Premium$86
NationwideAnnual Premium$1,063Monthly Premium$89

Typically, the cost of your insurance increases in proportion to the severity of your driving offense. For instance, drivers with a DUI offense will pay $147 more than those with speeding tickets for the cheapest full coverage policy in Fort Collins. Fortunately, you can still find affordable auto insurance if you have a bad driving record.

Cheapest Car Insurance in Fort Collins for Teens and Their Families

These companies offer the cheapest family policies for 16-year-old teen drivers in Fort Collins:

  • GEICO: $1,926 per year for female teens; $2,031 per year for male teens
  • Kemper: $1,960 per year for female teens; $1,352 per year for male teens

Farmers is the most expensive, charging $3,984 per year and $4,246 per year to add a female or male 16-year-old to a family policy, respectively.

Typically, car insurance costs more for male teens than for female teens. However, in Fort Collins, GEICO, the cheapest company for female teens, charges female teen drivers $1,926 per year, approximately $574 more than the cheapest company for male teens, Kemper.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$1,926Individual Plan Monthly Premium$12,453
KemperFamily Plan Annual Premium$1,960Individual Plan Monthly Premium$12,034
NationwideFamily Plan Annual Premium$1,966Individual Plan Monthly Premium$5,861
AllstateFamily Plan Annual Premium$2,126Individual Plan Monthly Premium$8,008
State FarmFamily Plan Annual Premium$2,199Individual Plan Monthly Premium$4,611
Auto-Owners Insurance CoFamily Plan Annual Premium$2,885Individual Plan Monthly Premium$7,149
ProgressiveFamily Plan Annual Premium$3,290Individual Plan Monthly Premium$9,221
FarmersFamily Plan Annual Premium$3,984Individual Plan Monthly Premium$15,651

Teen drivers can save money by joining a family policy instead of purchasing an individual policy. In Fort Collins, an individual policy for a male teen costs an average of $3,923 more than a family policy. Families that take the required steps to obtain the cheapest teen auto insurance could save thousands of dollars per year.

Cheapest Car Insurance in Fort Collins for Military Drivers

The following insurers offer the cheapest auto insurance for military drivers in Fort Collins:

  • American National P&C: $462 per year
  • GEICO: $636 per year

USAA is the third-cheapest auto insurer and is worth looking into if you qualify; only military current and former military members and their families are eligible for its policies.

The rates included above are for a full coverage policy. If you opt for a minimum coverage policy, American National P&C is still the cheapest provider at $179 per year, with USAA ranking as the second-cheapest auto insurer for this category at $234 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$462Monthly Premium$39
GEICOAnnual Premium$636Monthly Premium$53
USAAAnnual Premium$649Monthly Premium$54
Colorado Farm BureauAnnual Premium$675Monthly Premium$56
American FamilyAnnual Premium$758Monthly Premium$63
State FarmAnnual Premium$798Monthly Premium$67
Auto-Owners Insurance CoAnnual Premium$854Monthly Premium$71
NationwideAnnual Premium$898Monthly Premium$75

How to Compare Cheap Fort Collins Car Insurance Quotes Online

It can take up to 15 minutes to provide the personal information required for a single auto insurance quote. When comparing rates for multiple companies, this can add up.

Fortunately, MoneyGeek's car insurance calculator can quickly provide you with a quote based on your age, driving record, vehicle type and preferred coverage level.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in Fort Collins: Summary

Your ideal auto insurance company depends on how much you value different aspects like service, affordability and coverage options. To give you an idea, here are the best insurance providers in Fort Collins based on different factors:

  • Best overall: American National P&C (MoneyGeek score of 83 out of 100)
  • Best for service: Acuity (MoneyGeek score of 78 out of 100)
  • Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

The overall MoneyGeek score for an insurer varied across categories based on the factors weighted. The best car insurance provider in Colorado is GEICO, demonstrating once more how location impacts car insurance rates. If you are a member of the military, USAA, with a MoneyGeek score of 76 out of 100, is another great option to consider.

Best Overall Car Insurance Companies in Fort Collins

The following insurers are the best overall auto insurance providers in Fort Collins for full coverage policies:

  • American National P&C: MoneyGeek score of 83 out of 100 ($462 per year)
  • GEICO: MoneyGeek score of 68 out of 100 ($636 per year)

American National P&C earned our top spot due to its affordability, high customer satisfaction rating and variety of coverage options. It’s rare that an insurer excels in all of these categories.

Members of the military may also consider USAA for their insurance needs. The insurer earned an impressive MoneyGeek score of 76 out of 100.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

checkmark

Has the cheapest rates

checkmark

Has the highest customer satisfaction score

checkmark

Offers spare parts coverage and antique/classic car insurance

cons

close

Has a below-average rating for claims management

close

Does not offer accident forgiveness or deductible modification coverage

COMPANY HIGHLIGHTS

American National P&C balances affordability and quality customer service. Although some of its competitors beat it in terms of coverage selection, it still offers unique coverages that can benefit certain drivers.

American National P&C offers spare parts coverage, which provides up to $1,000 to replace your spare parts if they’re damaged in a covered loss. It also offers gap insurance, which will help bridge the difference between what you owe and what your car is worth if it is wrecked.

With roadside assistance, American National P&C helps cover the cost of roadside services, including flat tire changes, battery jumpstarts, delivery of gas and towing due to mechanical breakdowns. Furthermore, rental car and/or travel reimbursement is included in the insurer’s full coverage policies. This coverage helps pay for the cost of a rental car if your car is unusable due to a covered accident.

Best Car Insurance in Fort Collins for Customer Service

Excluding cost from our scoring system, the following companies are the best insurers in Fort Collins for customer service:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,148 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($462 per year)

Of the insurers we evaluated, Acuity has one of the highest ratings for customer satisfaction and claims management, earning our top spot as the best insurer for customer service. However, this superior customer service comes at a cost — the insurer is the most expensive provider in our comparison group.

How was this MoneyGeek score calculated?

Acuity

pros

checkmark

Has excellent customer satisfaction ratings and great claims management

checkmark

Offers full glass coverage and new car replacement

cons

close

Has the highest rates

close

Doesn’t offer accident forgiveness coverage

COMPANY HIGHLIGHTS

Acuity received the second-highest customer satisfaction score and the highest claims management rating, making it the best insurance option for customer service in the city. The insurer also offers a few rare coverages, including full glass and new car replacement coverage.

Full safety glass coverage is a rare type of insurance that Acuity offers where you won't be responsible for the comprehensive deductible if your car's windshield or windows need to be fixed or replaced. With new car replacement coverage, Acuity will pay to replace your automobile or motorcycle with a brand-new vehicle of the same or similar type if it is completely destroyed following a covered loss, except for a fire or theft. Older cars totaled in a covered loss are compensated at a rate of 25% more than their market value.

Best Cheap Car Insurance in Fort Collins

Based on affordability and service quality, the following insurers provide the best minimum coverage policies in Fort Collins:

  • American National P&C: MoneyGeek score of 83 out of 100 ($179 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 72 out of 100 ($305 per year)

Minimum coverage policies may be the cheapest, but they provide the least amount of liability coverage and do not cover damages to your own vehicle if you get in an accident.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

checkmark

Has the cheapest rates at $179 per year

checkmark

Offers bundle, early signing and multi-car discounts

checkmark

Provides excellent customer service

cons

close

Doesn’t offer common discounts like safe driving and pay-in-full

close

Has a poor claims management rating

COMPANY HIGHLIGHTS

American National P&C outperforms the competition in terms of affordability, having significantly cheaper rates than the 11 insurers we ranked.

Even though American National P&C offers the cheapest rates, there are few additional discount opportunities to save money. However, the few discounts available include an early signing discount, where policyholders that sign up for a policy before their current one ends can receive a lower premium. Furthermore, policyholders can save more money with the auto insurer's multi-car discount by insuring multiple vehicles. When you insure your home, car and life with American National P&C, you can also receive discounts on qualifying home and auto premiums.

Common coverage options with this insurer include roadside assistance and gap insurance. With roadside assistance, policyholders can receive 24/7 assistance on the road if their vehicle breaks down. Gap insurance helps cover the cost between what your car is worth and how much you own on your lease or loan.

Average Cost of Car Insurance in Fort Collins

The average annual cost of auto insurance in Fort Collins is $857 as of October 2022. This is $145 less expensive than the average cost of car insurance in Colorado, at $1,002 per year. It is also $408 cheaper than the national average cost of auto insurance — $1,265 per year. Location is just one of many factors that impacts car insurance rates, so yours may still vary.

These rates are for full coverage insurance policy with bodily injury liability limits of $100,000 per person, $300,000 per accident and $100,000 per accident for property damage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.