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Founded as a military camp and home to the Colorado State University Rams, Fort Collins has a lot to offer residents. Its location affords residents beautiful scenery and trails, but don’t be fooled this beautiful city also has an eclectic music and arts scene. Fort Collins has a lot to offer residents, and QuoteWizard can offer residents help finding cheap car insurance rates.
How much is car insurance in Fort Collins, CO? Car insurance rates in Fort Collins will vary depending on a driver’s policy limits, coverage, and the number and type of claims filed in their zip code.
On average, auto insurance in Colorado costs $821.19 per year. The national average annual cost is $866.31.
|Total Cost Per Year||$821.19|
|Price Per Month||$68.43|
QuoteWizard helps Fort Collins residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Fort Collins and save up to 40% on your premium.
Last year, 2,884 people used QuoteWizard to compare auto insurance quotes in Fort Collins, CO from multiple companies, and find the cheapest rates.
These are the most common car makes and models owned by Fort Collins drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Fort Collins, CO last year.
According to Allstate's America's Best Drivers Report, Fort Collins has some of the safest drivers in the nation ranking 11th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 11.8 years.
Car insurance rates are influenced by weather and road conditions.
Fort Collins experiences a semi-arid continental climate. Summers here are quite warm, winters are mild, and total precipitation is modest. Residents can expect to see an average of 237 sunny days per year, with the hottest average high temperature in July reaching 85 degrees or higher. In winter months the temperature can drop as low as 13 degrees and receives around 50 inches of snowfall annually, these cold temperatures can cause ice on the roads and cause a lot of traveling problems for residents.
According to Tripnet.org, 31% of Colorado's major roads are in poor condition and costs each motorist $572 in extra vehicle operating costs.
The City of Fort Collins has implemented a new way to maintain streets: by repairing them early, before they are too far deteriorated. The sooner repairs are complete, the less work needs to be done and the less money it costs residents.
Traffic data provider Inrix has created a traffic scorecard that details some key traffic congestion measures for US cities. Fort Collins motorists spend an extra 19 hours annually in traffic congestion and spend about $425 on average in extra congestion-related costs per year.
Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.
The Fort Collins Municipal court website allows you to pay traffic summonses, pay parking tickets, and provides helpful traffic court information.
The City of Fort Collins uses both Red Light Cameras and Camera Radar to help curb red light running and excessive speeding. Photo citations are considered "zero point" traffic infractions meaning they won't be reported to the Colorado DMV, go on your driving record, or cause your insurance rates to increase. However, if your speed was 25 miles over the speed limit you'll receive six points and need to show up in court.
Fort Collins has two intersections with Red Light Cameras they include: College at Drake and Harmony at Timberline
A DUI or DWAI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Fort Collins DUI/DWAI insurance.
In 2014, there were over 4,000 car accidents in the city of Fort Collins and around 800 of these crashes caused minor or serious injuries.
|1||College at Horsetooth|
|2||Boardwalk at Harmony|
|3||College at Monroe|
|4||Timberline at Prospect|
|5||College at Trilby|
Source: Fort Collins Traffic Safety Report 2014
Fort Collins reported five traffic fatalities in 2014. Considering Fort Collins has an estimated population of 152,205 this is a low traffic fatality rate for an American city of this size.
Fort Collins reported 158 vehicle thefts in 2014. That works out to a rate of 1.01 per 1,000 residents, which is much lower than the national average of 2.16 per 1,000.
Drivers in Fort Collins, Colorado are required to carry minimum liability coverage requirement known as the 25/50/15 rule. This means each driver's policy must include at least:
If you want to find affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Fort Collins. Get a free quote to find out which discounts you may qualify for.
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