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Get Cheap Car Insurance in 81001, CO
We monitor insurance prices, helping the average driver in 81001 save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in 81001
The chart below shows the cheapest car insurance company in 81001 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| 81001 Insurer | Monthly Cost |
|---|---|
| State Farm | $68 |
| Bristol West | $80 |
| Safeco Insurance | $82 |
| Geico | $84 |
Savings for Every Kind of 81001 Driver
Based on our extensive insurance data, we know the average 81001 driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $426 per year by choosing the right vehicle insurance company. Some 81001 residents are paying out over $1,988 extra every year for auto insurance in 81001. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
81001, CO Savings / Yr. |
|---|---|
$426 |
|
$760 |
|
$611 |
|
$653 |
|
$1,934 |
|
$512 |
|
$750 |
81001 Car Insurance vs. Colorado
People living in 81001 pay an average of 5.21% more than the typical driver in the state. The average driver in 81001 can expect to pay about $1,161 per year, or $1,988 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in 81001 for most people.
Car Insurance Prices by 81001 Neighborhood
Insurance Prices
Where is insurance cheapest within 81001?
The map shows insurance prices in and around 81001, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $327 per year within the zip boundaries, with insurance premiums ranging from a high of $2,169 to a low of $1,842. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of 81001.Pick the Best Car Insurance Company for You in 81001
The best car insurance provider for most drivers in 81001
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $426 over the average 81001 car insurance company.
The best car insurance provider for 81001 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $760 over the competition.
The best car insurance company for 81001 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $611 better than other car insurance companies.
The best auto insurance for 81001 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $653 less each year.
The least expensive car insurance company for new and young drivers in 81001
In 81001, State Farm costs young drivers $1,934 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 81001
State Farm gave the largest car insurance discounts to married couples, averaging $512 saved each year compared to an average 81001 couple's premiums.
The cheapest car insurance in 81001 for drivers with bad credit
The best 81001 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 81001
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 81001 driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 81001, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around 81001
What Influences the Cost of Car Insurance in 81001?
On average, car insurance in 81001 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- Colorado state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 81001 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- 81001 has an average population density in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 81001 is $97 per month for minimum coverage and $166 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 81003: Insurance costs 0.75% less
- 81008: Insurance costs 3.02% less
- 81006: Insurance costs 2.36% less
- 81004: Insurance costs 0.70% less
- 81005: Insurance costs 1.26% less
- 81007: Insurance costs 3.97% less
- 81022: Insurance costs 0.91% less
- 81025: Insurance costs 2.11% less
- 81226: Insurance costs 1.61% less
- 81221: Insurance costs 3.82% less
Zip Codes with Similar Populations
- 85351: Insurance costs 6.99% less
- 48446: Insurance costs 48.89% more
- 49418: Insurance costs 36.47% more
- 49464: Insurance costs 30.53% more
- 67203: Insurance costs 18.01% less
- 75110: Insurance costs 14.44% less
- 76543: Insurance costs 13.08% less
- 76901: Insurance costs 14.64% less
- 77566: Insurance costs 18.16% less
- 78727: Insurance costs 9.61% less