Best Auto Insurance Rates in Greeley, Colorado

On average your neighbors pay $71 a month

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Compare Auto Insurance in Greeley

Friday, November 9 2018 By Shantae Young

In its Best Performing Cities report, the Milken Institute ranked Greeley the #1 US city for job growth between 2009 and 2014. It’s been in the top five cities for wage growth in recent years as well. Hopefully, residents don’t find their car insurance premiums growing too.

Nathan Meeker, the founder of Greeley, Colorado said in his first editorial for the Greeley Tribune, "…property may be lost or gained, but the Colony as a whole will prosper, and…be the center of intelligence and activity." Almost 150 years later, the City of Greeley is still growing and offering new opportunities to both newcomers and longtime residents.

Average Greeley Car Insurance Rates

How much is car insurance in Greeley, CO? The average price for auto insurance in Colorado is $857.44 anually. The national average cost is $889.01 per year.

Prices may vary depending on a driver’s policy limits, coverage, and the number and type of claims filed in their zip code.

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
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Colorado's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Colorado car insurance rates increased from $723 in 2011 to $857 in 2015, a jump of $133, or 18.49 percent.

Colorado average car insurance rates

QuoteWizard helps Greeley residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Greeley, Colorado and save up to 40% on your premium.

Last year, 2,267 people used QuoteWizard to compare auto insurance quotes in Greeley, CO from multiple companies to find the best rates.

Best Car Insurance Companies in Greeley, CO

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

  1. GEICO
  2. State Farm
  3. Progressive
  4. Allstate
  5. Farmers
  6. American Family
  7. Esurance
  8. Liberty Mutual
  9. Nationwide
  10. Country Financial
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

These are the most common car makes and models owned by Greeley, CO drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Chevrolet Blazer
  4. Dodge Durango
  5. Jeep Grand Cherokee Laredo
  6. Ford Explorer
  7. Saturn Vue
  8. Dodge Ram 1500
  9. Ford Focus SE
  10. Chevrolet Cavalier
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Greeley, CO

Drivers in Greeley, 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.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

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Weather

Greeley’s climate is semi-arid with wide daily temperature swings. Summers here are hot and dry but temperatures cool down quickly at night even in summer. Winters can be cold, particularly at night, with temperatures as low as 20 degrees and an average of 40 inches of snow annually.  

Road Conditions

According to Tripnet.org, 31% of Colorado's major roads are in poor condition. This costs each motorist $572 in extra vehicle operating costs per year, on average.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard measures key traffic congestion factors. Greeley commuters spend an extra 13 hours annually in traffic amounting to an estimated average of $285 in congestions costs.

Moving Violations

Moving violations like speeding tickets, accidents, or running a red light will give people bad driving records. This is because, when you get a ticket, it goes on your driver's license and can remain there for three years.

If you get several tickets in a short period of time your insurer may notice. If you have a lot of tickets they could change your status from preferred driver to non-standard. If this happens, good luck trying to find a cheap high-risk auto insurance policy.

Traffic Tickets

The City of Greeley Municipal Court website allows you to pay traffic and parking citations, and also provides other helpful traffic court information.

Car Accident Statistics

Greeley ranked ninth out of the top 50 cities with the most car accidents in 2012, with 1,872 crashes that year resulting in 89 injuries.

Traffic Fatalities

The City of Greeley reported seven fatal accidents in 2016, resulting in seven deaths. Greeley has a very low fatality rate in terms of traffic accidents, but drivers should still use extreme caution while driving particularly in snowy and icy conditions.

Drunk Driving Accidents and Fatalities

As mentioned above, in 2016, there were seven fatal car accidents in Greeley. One of these accidents was alcohol related.

SR-22 DUI 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 Greeley DUI/DWAI insurance.

Vehicle Theft Rates

Greeley Police reported 175 motor vehicle thefts in 2016. This is a rate of 1.73 per 1,000.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the auto insurance discounts available to drivers in Greeley, CO.

  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 20% off your premium
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  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. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Are you married or getting married soon? Some insurers offer drivers a marriage discount

Sources:

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