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


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceGreeley
2024

Cheapest and Best Car Insurance in Greeley

Why Trust MoneyGeek? Using data from six different sources, including the Colorado Department of Insurance, MoneyGeek developed a grading system for Colorado's insurance companies based on customer experience, affordability, claims management and financial stability.

106,836Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American National P&CAnnual Premium$185Monthly Premium$15
Colorado Farm BureauAnnual Premium$274Monthly Premium$23
GEICOAnnual Premium$286Monthly Premium$24
Auto-Owners Insurance CoAnnual Premium$304Monthly Premium$25
State FarmAnnual Premium$340Monthly Premium$28
American FamilyAnnual Premium$366Monthly Premium$31
Farmers Union InsuranceAnnual Premium$370Monthly Premium$31
NationwideAnnual Premium$400Monthly Premium$33

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$471Monthly Premium$39
GEICOAnnual Premium$624Monthly Premium$52
American FamilyAnnual Premium$803Monthly Premium$67
Colorado Farm BureauAnnual Premium$849Monthly Premium$71
State FarmAnnual Premium$851Monthly Premium$71
Auto-Owners Insurance CoAnnual Premium$887Monthly Premium$74
NationwideAnnual Premium$900Monthly Premium$75
Farmers Union InsuranceAnnual Premium$901Monthly Premium$75

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American National P&CAnnual Premium$547Monthly Premium$46
GEICOAnnual Premium$780Monthly Premium$65
American FamilyAnnual Premium$908Monthly Premium$76
State FarmAnnual Premium$925Monthly Premium$77
Auto-Owners Insurance CoAnnual Premium$979Monthly Premium$82
Colorado Farm BureauAnnual Premium$1,003Monthly Premium$84
AllstateAnnual Premium$1,059Monthly Premium$88
NationwideAnnual Premium$1,065Monthly Premium$89

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$1,886Individual Plan Monthly Premium$12,149
KemperFamily Plan Annual Premium$1,924Individual Plan Monthly Premium$12,064
NationwideFamily Plan Annual Premium$1,971Individual Plan Monthly Premium$5,870
AllstateFamily Plan Annual Premium$2,241Individual Plan Monthly Premium$8,400
State FarmFamily Plan Annual Premium$2,317Individual Plan Monthly Premium$4,856
Auto-Owners Insurance CoFamily Plan Annual Premium$2,980Individual Plan Monthly Premium$7,347
ProgressiveFamily Plan Annual Premium$3,498Individual Plan Monthly Premium$9,836
FarmersFamily Plan Annual Premium$3,879Individual Plan Monthly Premium$15,277

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$471Monthly Premium$39
GEICOAnnual Premium$624Monthly Premium$52
USAAAnnual Premium$684Monthly Premium$57
American FamilyAnnual Premium$803Monthly Premium$67
Colorado Farm BureauAnnual Premium$849Monthly Premium$71
State FarmAnnual Premium$851Monthly Premium$71
Auto-Owners Insurance CoAnnual Premium$887Monthly Premium$74
NationwideAnnual Premium$900Monthly Premium$75

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.

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 14, 2024

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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.

American National Insurance Company

pros

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High customer satisfaction score

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Higher than average coverage score

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Most affordable insurer

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Offers spare parts coverage, added coverage endorsement, classic car insurance, gap insurance and roadside assistance

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Poor claims score

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No new car replacement, deductible modification, better car replacement and accident forgiveness

COMPANY HIGHLIGHTS

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.

Acuity

pros

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High customer satisfaction rating

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Higher than average coverage score and claims rating

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Offers full glass coverage, gap insurance, new car replacement

cons

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Expensive premiums

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Does not offer accident forgiveness, deductible modification and better car replacement

COMPANY HIGHLIGHTS

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.

American National Insurance Company

pros

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Affordable policy costing $185 per year

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Higher than average customer satisfaction rating and coverage score

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Offers early signing, bundling and multiple car discounts

cons

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Subpar claims management

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No good student and safe driving discounts

COMPANY HIGHLIGHTS

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


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.


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