Best Auto Insurance Rates in Fort Collins, Colorado

On average your neighbors pay $71 a month

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Compare Auto Insurance in Fort Collins, CO

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.

Average Fort Collins 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 $857.44 per year. The national average annual cost is $889.01.

Colorado Average Annual Car Insurance Rates
Coverage Rates
Liability $520.04
Collision $287.00
Comprehensive $174.61
Total Cost Per Year $857.44
Price Per Month $71.45

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.

Top 10 Vehicles in Fort Collins

These are the most common car makes and models owned by Fort Collins drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Toyota Prius
  3. Honda Accord EX/LX
  4. Chevrolet Blazer
  5. Jeep Grand Cherokee Limited
  6. Jeep Grand Cherokee Laredo
  7. Honda Civic DX/EX
  8. Dodge Ram 1500
  9. Ford Ranger
  10. Honda CR-V EX
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Best Car insurance Companies in Fort Collins

This is our list of the most common car insurance companies reported by QuoteWizard users living in Fort Collins, CO last year.

  1. Geico
  2. Progressive
  3. Allstate
  4. Farmers
  5. Liberty Mutual
  6. American Family
  7. Esurance
  8. 21st Century
  9. USAA
  10. AAA
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Fort Collins Drivers

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.

Fort Collins drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

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.

Road Conditions

According to, 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 Congestion

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

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.

Traffic Tickets

The Fort Collins Municipal court website allows you to pay traffic summonses, pay parking tickets, and provides helpful traffic court information.

Photo Enforcement

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.

Red Light and Photo Radars

Fort Collins has two intersections with Red Light Cameras they include: College at Drake and Harmony at Timberline

SR-22 DUI & DWAI Insurance

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.

Car Accident Statistics

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.

Top 5 Crash Intersections between 2012-2014

Rank Location
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

Traffic Fatalities

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.

Vehicle Theft Rates

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.

Legal Minimum Insurance Requirements

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:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The most your insurance company will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

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.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  8. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Fort Collins car insurance quotes LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.