Cheapest and Best Car Insurance in Greeley, CO (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.