The Cheapest Auto Insurance Companies in Fort Collins, Colorado, in 2026
State Farm has the cheapest car insurance in Fort Collins, with rates starting at $49 per month.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byMatthew Gross
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Matthew GrossEditor
Updated
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Fort Collins drivers pay an average of $124 per month for auto insurance. The city’s rates are typically lower than larger Colorado cities like Aurora and Denver due to fewer people, less traffic, and lower accident risks.
But you don’t have to settle for the average premiums. Companies like State Farm, Sun Coast, and USAA offer below-average rates, starting at $49 per month.
We’ll break down the cheapest insurance companies for different drivers and coverage needs so you can figure out the best insurer for you. Plus, we’ll give you tips to help you slash your insurance costs.
Key Takeaways
The cheapest car insurance company in Fort Collins is State Farm, with liability rates starting at $49 per month.
Fort Collins drivers pay an average of $80 per month for liability coverage and $168 for full coverage.
Colorado requires drivers to have at least 25/50/15 liability coverage to legally drive.
The Cheapest Car Insurance Companies in Fort Collins, Colorado
Regardless of Fort Collins’ average car insurance rates, several companies offer policies for well below the citywide average — if you know where to look.
Consider getting quotes from the companies listed in the table below, which have the cheapest average premiums in Fort Collins, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| Sun Coast | $61 |
| USAA | $62 |
| Progressive | $64 |
| The General | $64 |
| American Family | $67 |
| Root | $69 |
| Mile Auto | $70 |
| Allstate | $75 |
| GEICO | $75 |
| Bristol West | $78 |
| Nationwide | $81 |
| Auto-Owners | $87 |
| Mendota | $97 |
| Foremost | $98 |
| Safeco | $101 |
| Trexis | $102 |
| National General | $108 |
| Dairyland | $113 |
| Direct Auto | $114 |
| Travelers | $122 |
| Farmers | $127 |
| Liberty Mutual | $166 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, March 31 at 5:00 PM PDT.
Cheapest Car Insurance in Fort Collins by Driver and Coverage Type
While the companies above are a good starting point, keep in mind that your personal rates can vary widely by factors like your age, driving history, and location.
The table below shows the cheapest insurers in Fort Collins for a variety of coverage types and driver profiles, according to our data.
Driver or Policy Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $49 |
| Full coverage | State Farm | $113 |
| Teens | State Farm | $95 |
| Seniors | State Farm | $37 |
| Drivers with a speeding ticket | State Farm | $63 |
| Drivers with an at-fault accident | State Farm | $64 |
| Drivers with a DUI | State Farm | $71 |
| Drivers with excellent credit | State Farm | $42 |
| Drivers with poor credit | State Farm | $71 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Fort Collins drivers pay an average of $80 per month for state-minimum coverage. But most experts recommend buying more than the state requirements for better financial protection in case you cause an accident.
Check out the chart below for the five cheapest companies for state-minimum coverage in Fort Collins, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Liability Rates by Company
CompanyAverage Monthly PremiumState Farm $49 Sun Coast $61 USAA $62 Progressive $64 The General $64 American Family $67 Root $69 Mile Auto $70 Allstate $75 GEICO $75 Bristol West $78 Nationwide $81 Auto-Owners $87 Mendota $97 Foremost $98 Safeco $101 Trexis $102 National General $108 Dairyland $113 Direct Auto $114 Travelers $122 Farmers $127 Liberty Mutual $166 Most drivers should consider full-coverage car insurance, as it also covers your injuries and vehicle damage. In addition to the state-required liability insurance, full coverage typically includes comprehensive and collision coverages, which help pay to repair or replace your car, no matter who’s at fault.
The average cost of full coverage in Fort Collins is $168 per month. But some insurers offer rates close to the city’s average liability premium. If you lease or finance your vehicle, your lender will likely require you to buy full coverage.
The chart below highlights the five cheapest full-coverage insurers in Fort Collins, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Full-Coverage Rates by Company
CompanyAverage Monthly PremiumState Farm $113 Root $137 Progressive $146 USAA $146 American Family $156 Mile Auto $171 Bristol West $173 GEICO $173 Allstate $175 Safeco $176 Sun Coast $186 The General $186 Nationwide $187 Auto-Owners $201 National General $231 Mendota $232 Direct Auto $239 Dairyland $250 Trexis $259 Liberty Mutual $271 Travelers $284 Farmers $297 Foremost $303 Despite driving less than other age groups, fatal crash rates for drivers aged 20 or younger are three times higher than other age groups. Which is why teens and young drivers pay the most for auto insurance.
Fort Collins teens pay around $225 per month for car insurance. But it’s still possible for young drivers to find a good deal by shopping around.
Let’s take a look at the five cheapest companies for teens in Fort Collins, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates for Teens
CompanyAverage Monthly PremiumState Farm $95 Sun Coast $111 The General $112 USAA $115 Progressive $116 Root $119 American Family $127 GEICO $134 Bristol West $139 Mile Auto $144 Allstate $149 Nationwide $158 Auto-Owners $175 Mendota $176 Trexis $185 Dairyland $194 Safeco $204 National General $219 Direct Auto $219 Farmers $253 Travelers $254 Liberty Mutual $293 Seniors often enjoy the cheapest car insurance rates of any age group. Older drivers typically have decades of experience behind the wheel, drive fewer miles, and have safer driving habits.
In Fort Collins, the average rate for seniors is $101 per month. But even with already low premiums, shopping around could help you find even cheaper options.
The chart below shows the five cheapest insurers in Fort Collins for seniors, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates for Seniors
CompanyAverage Monthly PremiumState Farm $37 USAA $49 Sun Coast $50 American Family $52 Progressive $52 The General $52 Mile Auto $53 Root $56 GEICO $58 Allstate $59 Nationwide $60 Bristol West $63 Auto-Owners $67 Mendota $79 National General $82 Trexis $83 Safeco $86 Direct Auto $89 Dairyland $93 Travelers $95 Farmers $98 Liberty Mutual $135 Getting a ticket can cause your car insurance rates to spike when your policy renews. Insurers consider violations like speeding as a sign that you’ll file future claims, which leads to more expensive premiums. In fact, our research shows that even a single speeding ticket raises average rates by 36% nationwide.
Fort Collins drivers with a recent ticket pay an average of $161 per month. But many insurance companies still offer competitive rates.
The chart below breaks down the five cheapest companies in Fort Collins for drivers with a recent ticket, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates With a Ticket
CompanyAverage Monthly PremiumState Farm $63 Sun Coast $79 USAA $82 Progressive $83 The General $87 Mile Auto $87 American Family $89 Root $94 Allstate $99 GEICO $100 Bristol West $100 Nationwide $107 Auto-Owners $115 Mendota $126 Trexis $132 Safeco $135 National General $137 Dairyland $144 Direct Auto $145 Travelers $161 Farmers $166 Liberty Mutual $215 Causing an accident can increase your car insurance premiums even more than a ticket. Our research shows that a single at-fault accident causes average rates to increase by 40% nationwide.
On average, drivers in Fort Collins with a recent accident pay $162 per month for auto insurance. But you can usually find a better deal with one of the insurers highlighted below.
Here are Fort Collins’ five cheapest insurers for drivers with an at-fault accident, according to our research.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates With an Accident
CompanyAverage Monthly PremiumState Farm $64 Sun Coast $80 USAA $83 Progressive $83 The General $87 American Family $89 Root $92 Mile Auto $94 GEICO $97 Allstate $100 Bristol West $102 Nationwide $108 Auto-Owners $114 Mendota $126 Trexis $133 Safeco $140 National General $142 Dairyland $149 Direct Auto $154 Travelers $163 Farmers $168 Liberty Mutual $219 A driving under the influence (DUI) conviction typically causes the steepest car insurance rate hikes of any driving incident. Our research shows that average premiums rise by 61% nationwide following a DUI conviction.
In Fort Collins, the average monthly premium for drivers with a DUI is $173. While that’s significantly higher than average, you’re not necessarily stuck paying outrageous premiums. Many insurers specialize in working with high-risk drivers, including people with DUIs.
The chart below highlights the five cheapest auto insurers in Fort Collins for drivers with a DUI on their record, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates With a DUI
CompanyAverage Monthly PremiumState Farm $71 Sun Coast $85 USAA $89 Progressive $90 The General $92 American Family $97 Root $100 Mile Auto $101 GEICO $107 Allstate $108 Bristol West $113 Nationwide $117 Auto-Owners $126 Mendota $136 Trexis $143 Safeco $155 National General $156 Dairyland $163 Direct Auto $164 Travelers $176 Farmers $183 Liberty Mutual $240 Some insurance companies factor in your credit history when setting car insurance rates. Data shows that drivers with poor credit tend to file more claims than drivers with excellent credit. In fact, poor credit increases average rates by 61% nationwide.
Fort Collins drivers with poor credit pay an average of $155 per month for car insurance. But not all insurers use credit history when setting rates, and some still offer affordable rates regardless of your credit history.
Check out the chart below for the five companies that offer the cheapest rates in Fort Collins for drivers with poor credit, according to Compare.com data.
The below rates in Fort Collins, CO, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT.Average Rates With Bad Credit
CompanyAverage Monthly PremiumState Farm $71 USAA $76 Sun Coast $76 The General $79 Progressive $80 American Family $80 Root $85 Mile Auto $86 Allstate $92 GEICO $92 Bristol West $96 Nationwide $100 Mendota $121 Safeco $124 Trexis $128 Auto-Owners $130 National General $133 Dairyland $139 Direct Auto $140 Travelers $150 Farmers $156 Liberty Mutual $199
Our Picks for the Best Auto Insurance in Fort Collins
There’s no one-size-fits-all car insurance company for every type of driver. The best choice for you depends on your needs, budget, and driving record. That said, some insurers consistently stand out.
We picked the following top companies based on a combination of average rates in Colorado, available coverages and discounts, and customer reviews and ratings.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
3.2
A solid optionBased on 22 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.0 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.4 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Verified Review
Reviewed in Missouri on May 26, 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide’s SmartRide telematics program earned the No. 1 spot in the J.D. Power 2025 U.S. Auto Insurance Study, making it a great choice for safe drivers. If you’re OK with sharing your data and driving habits, you could save up to 40% on your auto insurance premiums.
Low-mileage drivers may also want to consider Nationwide for pay-per-mile insurance through its SmartMiles program. The company also has plenty of agents in Fort Collins, which is great if you’re looking for personalized service.
Pros
Ranks No. 2 for customer satisfaction in Southwest region
Many local agents
Vanishing deductible and deductible waiver available
Cons
Rideshare coverage not available
Below-average digital shopping experience
Fewer coverage options than some competitors
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
4.0
Best choiceBased on 753 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 318 State Farm reviews
Verified Review
Reviewed in Ohio on April 1, 2026
They raised my rate by $38.00 a month with no explanation. I'm looking for new insurance!
Verified Review
Reviewed in Illinois on March 19, 2026
Very good, but prices are going up.
Verified Review
Reviewed in New York on March 16, 2026
They are very friendly and helpful. They offer the cheapest price I've found.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the more affordable car insurance options in Fort Collins. The company advertises average savings of more than $50 per month for customers switching from another insurer. It also consistently ranks well for customer and claims satisfaction by J.D. Power.
Fort Collins drivers can get personalized service from one of State Farm’s local agents. Plus, you can save even more if you bundle your auto insurance with a homeowners or renters policy.
Pros
Local agents available
Above-average customer service rating
Bundling discount available
Cons
Gap insurance not available
Fewer discounts than competitors
Strict accident forgiveness requirements
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $266/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $437/mo |
Showing recent national reviewsSee all 3 Amica Insurance reviews
Verified Review
Reviewed in Washington on June 17, 2025
Good. Expensive though.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not ratedWhy we picked this company
Although Amica isn’t the cheapest car insurance in Fort Collins, it stands out for its wide range of discounts — especially for vehicles with safety features. One unique perk is its dividend policy, which returns up to 20% of your annual premium, a rare offering in the auto insurance industry.
Amica ranks among the top companies for digital experience in the latest J.D. Power study. That’s a good thing, considering the company doesn’t have any local offices in Fort Collins.
Pros
Offers a dividend auto policy
Multiple discounts for safety features
Above-average auto claims satisfaction rating
Cons
Rideshare coverage not available in Colorado
Higher-than-average rates
No local agents
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Colorado Auto Insurance Requirements
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Like most states, Colorado requires all drivers to have car insurance. The Centennial State’s minimum liability coverage requirements are:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$15,000 per accident of property damage liability coverage
Colorado has a comparative fault system, meaning you can receive less compensation if you’re partially at fault for an accident. For instance, if you’re 20% at fault, you could receive 20% less for your injuries or vehicle damage.
If you’re 50% or more at fault, you won’t receive any compensation under Colorado’s modified comparative negligence rule.
Is minimum coverage enough in Fort Collins?
Most experts recommend buying higher liability limits than the state’s minimum requirements. Liability-only coverage can quickly fall short after a serious crash.
The average injury claim in Fort Collins was nearly $80,000 in 2023, with more severe injuries often exceeding $300,000 or more, according to the City of Fort Collins. Raising your liability limits may cost a bit more, but it can keep you from paying more out of pocket if you cause an accident.
Fort Collins Auto Insurance FAQs
Below, we answered some common questions from drivers about auto insurance in Fort Collins, Colorado.
How much is car insurance in Fort Collins?
Car insurance in Fort Collins costs an average of $124 per month, according to Compare.com data. Liability-only coverage costs an average of $80 per month, while full coverage costs $168 per month.
What’s the cheapest auto insurance company in Fort Collins?
State Farm is the cheapest auto insurance company in Fort Collins, according to Compare.com data. State Farm’s rates start at $49 per month.
Is car insurance in Fort Collins expensive?
It depends. Factors like your age, driving record, vehicle type, coverage options, and ZIP code all affect your car insurance costs. Fort Collins drivers pay an average of $124 per month for car insurance, according to Compare.com data. Compare that to the national average rate of $136 per month.
What is the average cost of car insurance per month in Colorado?
The average cost of car insurance in Colorado is $140 per month, according to Compare.com data. Premiums cost an average of $91 per month for liability-only coverage and $188 per month for full coverage.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Mandy SleightInsurance Writer
Matthew GrossEditor