Cheapest and Best Car Insurance in Greeley, CO (2023)
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By, Content Director
In Greeley, American National P&C offers the cheapest minimum coverage and full coverage insurance. It is also the cheapest for military members and after a driving violation. The best customer service is offered by Acuity. The cheapest for male teens is GEICO, but the cheapest for female teens is Kemper. The cheapest option for you might be from a different insurer based on your driving profile and needs.
Cheapest and Best Car Insurance in Greeley
Cheapest Minimum Liability Car Insurance in Greeley
The following companies in Greeley offer minimum coverage insurance at the lowest prices:
- American National P&C: $185 per year
- Colorado Farm Bureau: $274 per year
The most expensive option is provided by Allstate, costing around $577 for the basic minimum coverage. As of October 2022, the cheapest car insurance in Colorado is also provided by American National P&C but at a slightly higher average cost of $216 per year. Where you live can impact your insurance rates.
Different liability coverage minimums apply depending on the state. The basic minimum insurance requirements for drivers in Colorado are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
With a liability-only insurance policy, you will only get coverage for third-party injuries and property damage. Given Colorado's minimum coverage limits, your insurance provider will cover up to $15,000 in property damage to the other person. Any additional costs will come out of your own pocket.
Cheapest Full Coverage Car Insurance in Greeley
Drivers in Greeley can purchase full coverage auto insurance from the following insurance providers at the most competitive rates:
- American National P&C: $471 per year
- GEICO: $624 per year
With a yearly premium of around $1,205, Acuity was the most expensive option for full coverage insurance. As of October 2022, American National P&C also provides the cheapest full coverage insurance in Colorado, with an average yearly premium of $586, which is higher than its Greeley average. Premiums can be higher or lower depending on your location in Colorado.
One advantage of full coverage insurance, which also includes collision and comprehensive coverage, is increased liability limits.
- Collision Insurance: Protects you if your automobile collides with a stationary object or another moving item.
- Comprehensive Insurance: Theft, vandalism and damage from weather disasters are a few examples of the non-collision losses it covers.
Having comprehensive coverage insurance is the best defense for your brand-new vehicle. The yearly premiums of several hundred dollars for full coverage may not be logical for older automobiles as you may pay more than your vehicle is worth.
Cheapest Car Insurance in Greeley After a Driving Offense
Our research found the cheapest full coverage insurance in Greeley for motorists with the following traffic violations:
- Speeding ticket: American National P&C ($547 per year)
- At-fault accident: American National P&C ($632 per year)
- DUI: American National P&C ($702 per year)
Acuity, which charges $2,632 on average per year for DUI, speeding and at-fault accident history, is the company with the highest rates. Even if you get a policy with the city's cheapest insurer, your costs will rise if you have a violation on your record.
A higher premium may be charged depending on how serious the driving violation is. In Greeley, drivers who have been found guilty of DUI should anticipate paying around $562 more for car insurance, while those who have only earned speeding tickets will pay around $348 more. You can still look around and find cheaper auto insurance, even with a poor driving record.
Cheapest Car Insurance in Greeley for Teens and Their Families
Teens in Greeley covered by their parent's policy may receive the cheapest insurance from these insurers:
- GEICO: $1,886 per year for female teens;
- Kemper: $1,924 per year for female teens; $1,328 per year for male teens
- GEICO: $1,989 per year for male teens
Farmers charges the highest for both males and females at around $4,135 and $3,879 per year, respectively. Although the price difference is lower for the cheapest provider, the difference might be considerable depending on the company.
Male teenagers are generally more expensive to insure than females due to the higher risk they pose, though this disparity narrows in early adulthood.
Adding a teen driver to a family policy rather than purchasing separate insurance for them can save hundreds or even thousands of dollars. In Greeley, buying a male teen his own coverage would cost $3,923 more than adding him to an existing family policy. To save money, it is important to evaluate the best and cheapest rates for adding teens to a family policy.
Cheapest Car Insurance in Greeley for Military Drivers
Military members and their families in Greeley can find the cheapest military car insurance from these two companies:
- American National P&C: approximately $471 per year
- GEICO: approximately $624 per year
USAA is generally an affordable option for military personnel. In Greeley, its insurance costs an average of $684 per year.
The rates above are for full coverage insurance. If you just need the state minimum coverage, American National is still the lowest at around $185 per year, followed by USAA at roughly $243 per year.
How to Compare Cheap Greeley Car Insurance Quotes Online
Comparing car insurance rates on the internet can take time. You might have to provide a lot of personal information, which could take up to 15 minutes to get insurance quotes from each company.
Using your age, vehicle type, driving history and level of coverage, MoneyGeek's auto insurance calculator can quickly estimate the premiums that various companies are likely to charge you, streamlining the process.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Greeley: Summary
What you value in an insurer determines your ideal option. The following are the best Greeley insurers:
- 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 weights that each factor in a category is assigned determines the scores from MoneyGeek. For Colorado’s best car insurance, American National P&C also scores the best.
Military members should check out USAA, which scored 76 out of 100 in our ratings.
Best Overall Car Insurance in Greeley
MoneyGeek evaluated companies' customer service quality, claims management and other characteristics and rated the following as the best in the city:
- American National P&C: MoneyGeek score of 83 out of 100 (approximately $471 per year)
- GEICO: MoneyGeek score of 69 out of 100 (approximately $624 per year)
American National P&C received high grades for customer satisfaction and affordability, which can help you obtain the best value for your money.
USAA is the second-best option for current and former military personnel, receiving a 76 on MoneyGeek's rating methodology.
High customer satisfaction score
Higher than average coverage score
Most affordable insurer
Offers spare parts coverage, added coverage endorsement, classic car insurance, gap insurance and roadside assistance
Poor claims score
No new car replacement, deductible modification, better car replacement and accident forgiveness
American National P&C provides a few coverages that can be advantageous for certain types of drivers. If your car is totaled, gap insurance covers the difference between what you owe and your car’s value. By getting this coverage, you can save money that you might otherwise lose if your automobile is involved in an accident.
Owners of antique or classic automobiles will benefit greatly from American National's vintage car insurance, also referred to as collector car coverage, which comes with additional protection. It contains agreed value coverage. In the event of a covered loss of your classic car, the company will write you a check for the predetermined sum. If your collector car's spare parts are damaged in a covered loss, the insurer will offer you up to $1,000. Policyholders also receive roadside assistance that offers 24/7 support in the event you get stranded.
Best Car Insurance in Greeley for Customer Service
The best Greeley insurers for customer service are ranked independently of price. We concluded that the following two insurers offer top-notch customer support:
- Acuity: MoneyGeek score of 78 out of 100 (approximately $1,205 per year)
- American National P&C: MoneyGeek score of 67 out of 100 (approximately $471 per year)
Acuity scores high in customer satisfaction and coverage options, but it charges high rates. With Acuity, you pay more for better customer service.
High customer satisfaction rating
Higher than average coverage score and claims rating
Offers full glass coverage, gap insurance, new car replacement
Does not offer accident forgiveness, deductible modification and better car replacement
Acuity customers can get full glass coverage, which eliminates the need to pay the comprehensive deductible if your vehicle's windscreen or windows need to be fixed or replaced. For a higher premium, the insurer will also pay to replace your car if it is completely damaged in a covered loss (for reasons other than fire or theft) with a brand new car of the same or comparable type.
If you owe more on your car than it is worth, Acuity's gap insurance will pay the difference between its real cash value and the outstanding due on your loan or lease. Roadside assistance and rental car replacement coverage are also available to policyholders. Acuity's coverage package endorsement offers a number of additional coverages, including key replacement, personal property replacement, airbag replacement and payment of veterinary costs in the event that your dog or cat is hurt in a car accident.
Best Cheap Car Insurance Companies in Greeley
The following insurance providers in Greeley provide the required minimum coverage insurance at affordable prices and with top-notch service.
- American National P&C: MoneyGeek score of 83 out of 100 (approximately $185 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 72 out of 100 (approximately $304 per year)
While minimum coverage insurance is generally less expensive, you are still responsible for certain costs, including car repairs and hospital bills after an incident.
Affordable policy costing $185 per year
Higher than average customer satisfaction rating and coverage score
Offers early signing, bundling and multiple car discounts
Subpar claims management
No good student and safe driving discounts
American National P&C is the best for drivers searching for affordable premiums without sacrificing service quality because it offers the cheapest minimum coverage insurance in Greeley and has above-average customer satisfaction records, according to J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.
Although American National P&C does not provide many discounts, the few that it does can be helpful to the majority of its policyholders. You will qualify for a premium discount if you decide to plan ahead and sign up early before your existing policy ends. Those who own multiple vehicles are also in luck. Discounted prices are available to individuals who cover multiple vehicles with American National P&C and bundle their home and auto insurance policies. Those who own collector cars, otherwise called antique cars, are also eligible for discounted rates.
Average Cost of Car Insurance in Greeley
The average annual full coverage car insurance premium in Greeley is $886, which is $379 less than the national average cost of $1,265 and $116 less than the state average of $1,002. These rates cover property damage liability of $100,000 as well as bodily injury liability of $100,000 per person and $300,000 per accident.
Greeley’s average insurance is much lower than the Colorado state average car insurance cost, showing how the area you live in impacts your insurance costs.
About Mark Fitzpatrick
- American National. "Collector Car Insurance." Accessed February 20, 2023.