Cheapest and Best Car Insurance in Greeley, CO (July 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: July 16, 2024

Advertising & Editorial Disclosure

In Greeley, Colorado, the cheapest car insurance varies: American National P&C is most affordable for minimum and full coverage, while families with teens save with Kemper.

Acuity stands out as the best for customer service, also earning the title for best overall — balancing price and service. Your ideal choice depends on personal preferences and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceGreeley
2024

Cheapest and Best Car Insurance in Greeley

Why Trust MoneyGeek? We analyzed 106,836 quotes in Colorado, including the city of Greeley, from 14 companies. We used 6 sources and original research to rate the cheapest companies and develop a scoring system for Greeley insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Greeley, CO, as of July 2024.

106,836Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Greeley

American National P&C offers the cheapest car insurance in Greeley.

  • American National P&C: $240 per year
  • Colorado Farm Bureau: $255 per year

By contrast, Farmers Union Insurance offers most expensive minimum coverage policy in Greeley with an annual premium of $731. This highlights the value of comparing car insurance rates to ensure you secure a financial advantage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American National P&CAnnual Premium$240Monthly Premium$20
Colorado Farm BureauAnnual Premium$255Monthly Premium$21
GEICOAnnual Premium$326Monthly Premium$27
American FamilyAnnual Premium$406Monthly Premium$34
AcuityAnnual Premium$435Monthly Premium$36
Auto-Owners Insurance CoAnnual Premium$468Monthly Premium$39
State FarmAnnual Premium$500Monthly Premium$42
ProgressiveAnnual Premium$524Monthly Premium$44
FarmersAnnual Premium$590Monthly Premium$49
KemperAnnual Premium$613Monthly Premium$51
NationwideAnnual Premium$674Monthly Premium$56
Farmers Union InsuranceAnnual Premium$731Monthly Premium$61
AllstateAnnual Premium$812Monthly Premium$68

State Minimum Liability Requirements

In Colorado, every driver, whether you're cruising through Greeley or any other city, must adhere to state-mandated car insurance minimums. Here's what the law requires:

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

For example, if you have the minimum coverage and are at fault in an accident, your policy would cover up to $25,000 for each person injured, with a total limit of $50,000 per accident. Should the injured parties' expenses surpass these amounts, you'll be responsible for the excess costs out of pocket.

Cheapest Full Coverage Car Insurance in Greeley

American National P&C is the cheapest option in Greeley, offering the cheapest full coverage car insurance.

  • American National P&C: $640 per year
  • Colorado Farm Bureau: $744 per year

Farmers Union Insurance offers the most expensive full coverage policy in Greeley at $1,684 annually, illustrating why it's beneficial to shop around. The $1,044 difference exemplifies the high cost of full coverage — which includes protections like comprehensive and collision insurance — compared with minimum coverage plans.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$795Monthly Premium$66
GEICOAnnual Premium$919Monthly Premium$77
Colorado Farm BureauAnnual Premium$1,118Monthly Premium$93
American FamilyAnnual Premium$1,318Monthly Premium$110
Auto-Owners Insurance CoAnnual Premium$1,388Monthly Premium$116
ProgressiveAnnual Premium$1,544Monthly Premium$129
AllstateAnnual Premium$1,577Monthly Premium$131
FarmersAnnual Premium$1,588Monthly Premium$132
AcuityAnnual Premium$1,605Monthly Premium$134
NationwideAnnual Premium$1,616Monthly Premium$135
State FarmAnnual Premium$1,862Monthly Premium$155
KemperAnnual Premium$1,969Monthly Premium$164
Farmers Union InsuranceAnnual Premium$2,099Monthly Premium$175

Do You Need Full Coverage in Colorado?

A full coverage policy in Greeley includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Greeley After a Driving Offense

For the cheapest company for drivers with a poor driving record with full coverage in Greeley, the results vary based on the specific offense.

  • Speeding ticket: American National P&C ($742 per year)
  • At-fault Accident: American National P&C ($855 per year)
  • DUI: Colorado Farm Bureau ($944 per year)

The annual rates suggest a difference of $202 between the cheapest company after a speeding ticket (American National P&C) and the cheapest after a DUI (Colorado Farm Bureau), highlighting how premiums can significantly increase with more serious violations. Farmers Union Insurance offers the most expensive rates for all three offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American National P&CAnnual Premium$742Monthly Premium$62
Colorado Farm BureauAnnual Premium$889Monthly Premium$74
GEICOAnnual Premium$1,019Monthly Premium$85
Auto-Owners Insurance CoAnnual Premium$1,117Monthly Premium$93
American FamilyAnnual Premium$1,219Monthly Premium$102
AllstateAnnual Premium$1,451Monthly Premium$121
NationwideAnnual Premium$1,488Monthly Premium$124
State FarmAnnual Premium$1,548Monthly Premium$129
ProgressiveAnnual Premium$1,642Monthly Premium$137
FarmersAnnual Premium$1,687Monthly Premium$141
KemperAnnual Premium$1,959Monthly Premium$163
Farmers Union InsuranceAnnual Premium$2,296Monthly Premium$191
AcuityAnnual Premium$2,534Monthly Premium$211

Insurance rates tend to escalate in Greeley and across various cities, with the gravity of your driving violation being a key determinant. For instance, drivers with a DUI in Greeley can expect average annual rates of $2,654, while those with a speeding ticket face slightly lower costs, averaging $2,081 annually. Drivers with offenses should actively shop around for insurance quotes because comparison could lead to significant savings on premiums.

Cheapest Car Insurance in Greeley for Teens and Their Families

GEICO offers the most affordable full coverage car insurance for teens in Greeley. If you’re seeking cheapest car insurance for teens, the top two providers with the lowest annual premiums are:

  • GEICO: $1,886 per year for female teens and $1,989 per year for male teens
  • Kemper: $1,924 per year for female teens and $1,328 per year for male teens

These rates reflect the cost of insuring a combination of two parents and their teenage driver, showcasing the signifers for female teens underlines the importance of shopping around, especially with teens, who are statistically higher-risk dicant annual savings for families. Farmers is on the opposite end, with their policies being the priciest at $3,879 for female teens, emphasizing the importance of shopping around. The $1,955 difference for female teen drivers underlines the necessity of careful comparison, particularly when insuring higher-risk teen drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$1,886Individual Plan Monthly Premium$6,737
KemperFamily Plan Annual Premium$1,924Individual Plan Monthly Premium$6,280
NationwideFamily Plan Annual Premium$1,971Individual Plan Monthly Premium$3,748
AllstateFamily Plan Annual Premium$2,241Individual Plan Monthly Premium$5,547
State FarmFamily Plan Annual Premium$2,317Individual Plan Monthly Premium$3,068
Auto-Owners Insurance CoFamily Plan Annual Premium$2,980Individual Plan Monthly Premium$2,784
ProgressiveFamily Plan Annual Premium$3,498Individual Plan Monthly Premium$6,106
FarmersFamily Plan Annual Premium$3,879Individual Plan Monthly Premium$9,497

In Greeley and comparable cities, teen drivers face significantly higher car insurance rates, often paying an average individual annual premium of $6,020. This is in contrast to the more economical $2,721 average annual premium when added to a family plan.

Insurers justify these elevated rates for individual teen policies due to the heightened risk inexperienced drivers pose. Moreover, teens seeking their own insurance may struggle to secure approval, given their limited driving history and financial independence.

Cheapest Car Insurance in Greeley for Military Drivers

American National P&C offers the most affordable full coverage car insurance for military backgrounds in Greeley.

  • American National P&C: $640 per year
  • Colorado Farm Bureau: $744 per year

Although USAA is not the cheapest option listed, with an annual premium of $814, this company specializes in serving active duty military members and their families, offering tailored services and support that is well-suited for their unique needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$640Monthly Premium$53
Colorado Farm BureauAnnual Premium$744Monthly Premium$62
USAAAnnual Premium$814Monthly Premium$68
GEICOAnnual Premium$815Monthly Premium$68
Auto-Owners Insurance CoAnnual Premium$1,028Monthly Premium$86
American FamilyAnnual Premium$1,090Monthly Premium$91
AcuityAnnual Premium$1,160Monthly Premium$97
NationwideAnnual Premium$1,222Monthly Premium$102
ProgressiveAnnual Premium$1,265Monthly Premium$105
AllstateAnnual Premium$1,304Monthly Premium$109
FarmersAnnual Premium$1,310Monthly Premium$109
State FarmAnnual Premium$1,426Monthly Premium$119
KemperAnnual Premium$1,558Monthly Premium$130
Farmers Union InsuranceAnnual Premium$1,684Monthly Premium$140

How to Compare Cheap Greeley Car Insurance Quotes Online

In Greeley, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek'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.

High
Average
Low

Rates updated:

Oct 04, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Greeley: Overview

Choosing the best auto insurance is a decision influenced by the weight you give to elements such as service quality, cost efficiency, coverage options, and other personal preferences. MoneyGeek has applied distinct evaluation criteria to different categories to present the best car insurance options in Greeley for various needs:

  • Best overall: Acuity (MoneyGeek score 87 out of 100)
  • Best for service: Acuity (MoneyGeek score 96 out of 100)
  • Best cheap: Acuity (MoneyGeek score 88 out of 100)

Acuity excels in Greeley for overall value, premier service and affordability, excelling across all three categories.

Overall Best Car Insurance in Greeley

Acuity offers the best option for full coverage car insurance in Greeley, with a blend of customer satisfaction and coverage.

  • Acuity: MoneyGeek score of 87 out of 100 ($1,160 per year)
  • American National P&C: MoneyGeek score of 78 out of 100 ($640 per year)

Acuity distinguishes itself primarily through its high satisfaction and claims handling scores, ensuring policyholders experience quality customer interactions and reliable support in times of need.

Company logo for Acuity
Best OverallAcuity
MoneyGeek Score:
87/ of 100

Overview

Acuity offers Rental Car and/or Travel Reimbursement and Roadside Assistance, ensuring drivers have the essentials for peace of mind on the road. New Car Replacement and Gap Insurance are available, so customers have access to reasonably common coverages for added financial security.

Acuity’s Full Glass Coverage can mean savings on windshield repairs, a typically costly surprise. Its Coverage Package amalgamates several benefits into one, amplifying protection. Gap Insurance is also invaluable if you’re owing more on your auto loans/leases than the car’s worth, safeguarding against depreciation.

Best Car Insurance in Greeley for Customer Service

Acuity is the best option in Greeley for car insurance focused on customer service. This evaluation is based on outstanding achievements in general satisfaction, claims processing and breadth of coverages, without taking rates into account.

  • Acuity: MoneyGeek score of 96 out of 100 ($1,160 per year)
  • American Family: MoneyGeek score of 76 out of 100 ($1,090 per year)

Acuity distinguishes itself at the apex of insurance service in Greeley, primarily due to its high satisfaction and claims handling scores. The company's investment in customer service excellence and robust coverage options has firmly established its top-tier status.

Company logo for Acuity
Best for Customer ServiceAcuity
MoneyGeek Score:
96/ of 100

Overview

Acuity Insurance shines due to its perfect satisfaction and claims scores. It offers Rental Car and/or Travel Reimbursement and Roadside Assistance. Acuity's also has Full Glass Coverage, an essential for those concerned about the cost of replacing a windshield without facing a typical deductible.

New Car Replacement is also available, providing the potential to replace a totaled new vehicle without depreciation concerns - a strong safety net for recent car buyers. Gap Insurance is particularly useful for those with auto loans, ensuring that in the event of a total loss, the gap between the car's value and what is still owed is covered.

Best Cheap Car Insurance in Greeley

Acuity is the best option in Greeley for consumers seeking the best value in car insurance, balancing affordability with reliable claims handling and customer satisfaction.

  • Acuity: MoneyGeek score of 88 out of 100 ($435 per year)
  • American National P&C: MoneyGeek score of 80 out of 100 ($240 per year)

Acuity stands out with the highest MoneyGeek score, an indicator not only of its affordability but stellar customer satisfaction and claims service. This score is for a minimum coverage policy, showing that clients in Greeley do not have to compromise on quality even at lower price points.

Company logo for Acuity
Best Cheap CompanyAcuity
MoneyGeek Score:
88/ of 100

Overview

With an impressively low average annual premium of $435, the average driver enjoys affordable minimum coverage with Acuity. It also rewards customers with discounts like New Customer and Advanced Safety Features.

Acuity offers Bundling, Multiple Car, and Safe Driving. Drivers who pay their policy premium in full can benefit from the Pay In Full discount, for savings and convenience. Similarly, the Advanced Safety Features discount acknowledges the investment in crash prevention technology, potentially lowering premiums as well as enhancing safety.

Average Cost of Car Insurance in Greeley

In Greeley, Colorado, the average car insurance premium is $1,179. This figure is less than the average car insurance cost in Colorado, which stands at $1,345. Compared with the national average cost of car insurance, Colorado's rates are significantly lower, with the state average falling at $437 less than the national average of $1,781.

Car insurance rates are influenced by myriad factors. Geographic considerations are particularly influential due to variance in accident rates, theft statistics and local legislation, among other aspects. The city with the most expensive car insurance premium in Colorado is Denver at $1,142, which is substantially higher by $140 compared with the statewide average. Conversely, Fort Collins boasts the most affordable premium at just $857, showcasing a difference of $146 below the state average. In less urban areas with reduced traffic density, rates may be even cheaper.

ArvadaAnnual Premium$1,307
AuroraAnnual Premium$1,484
BoulderAnnual Premium$1,196
CentennialAnnual Premium$1,349
Colorado SpringsAnnual Premium$1,363
DenverAnnual Premium$1,546
Fort CollinsAnnual Premium$1,146
GreeleyAnnual Premium$1,179
Highlands RanchAnnual Premium$1,316
LakewoodAnnual Premium$1,387
PuebloAnnual Premium$1,414
ThorntonAnnual Premium$1,373
WestminsterAnnual Premium$1,328

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.