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Get Cheap Car Insurance in Castle Rock, CO

We monitor insurance prices, helping the average driver in Castle Rock save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Castle Rock

The chart below shows the cheapest car insurance company in Castle Rock 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.

 
Castle Rock Insurer Monthly Cost
State Farm $66
Bristol West $78
Safeco Insurance $80
Geico $82

Savings for Every Kind of Castle Rock Driver

The table shows how much the average auto insurance customer in Castle Rock might save by following our recommendations.

Based on our extensive insurance data, we know the average Castle Rock 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 $416 per year by choosing the right vehicle insurance company. Some Castle Rock residents are paying out over $1,941 extra every year for auto insurance in Castle Rock. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Castle Rock, CO Savings / Yr.
Drivers with good records
$416
Drivers with accidents
$741
Drivers with speeding tickets
$597
Drivers with a DUI conviction
$638
Young drivers
$1,887
Married drivers
$500
Drivers with bad credit
$732

Castle Rock Car Insurance vs. Colorado

People living in Castle Rock pay an average of 2.69% more than the typical driver in the state. The average driver in Castle Rock can expect to pay about $1,134 per year, or $1,941 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Castle Rock for most people.

Car Insurance Prices by Castle Rock Neighborhood

Castle Rock, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Castle Rock?

The map shows insurance prices in and around Castle Rock, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $239 per year within the city boundaries, with insurance premiums ranging from a high of $2,088 to a low of $1,849. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Castle Rock.

Pick the Best Car Insurance Company for You in Castle Rock

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Castle Rock insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Castle Rock

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $416 over the average Castle Rock car insurance company.

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We use the average good driver, paying $127 per month, as our baseline for pricing in Castle Rock. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Castle Rock drivers with accidents on their records

In Castle Rock getting into an accident will raise premiums an average 34% for a yearly cost of $2,927. That's $986 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $741 over the competition.

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The best car insurance company for Castle Rock drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $597 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Castle Rock, tickets raise premiums on new quotes about $663. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,604 per year.

The best auto insurance for Castle Rock drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,057 per year in auto insurance premiums, which was $1,116 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $638 less each year.

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The least expensive car insurance company for new and young drivers in Castle Rock

In Castle Rock, State Farm costs young drivers $1,887 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Castle Rock. With an average cost of $6,280 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Castle Rock

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $124. State Farm, Geico, and Progressive provided the largest discounts to couples living in Castle Rock.

State Farm gave the largest car insurance discounts to married couples, averaging $500 saved each year compared to an average Castle Rock couple's premiums.

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The cheapest car insurance in Castle Rock for drivers with bad credit

People with poor credit saved an average of $732 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,107 every year. Premiums for people with poor credit were about $3,048 in Castle Rock. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Castle Rock car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Castle Rock, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Castle Rock.

Nationwide was the best company for customer service in Castle Rock according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Castle Rock, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Castle Rock. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Castle Rock

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Castle Rock residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Castle Rock driver can expect to pay about $128 per month.

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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 Castle Rock, 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.
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Auto Insurance Prices in and Around Castle Rock

What Influences the Cost of Car Insurance in Castle Rock?

On average, car insurance in Castle Rock 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 city are influenced by the following factors:

  • The average commute time in Castle Rock is 36 minutes, which is a little more than average for a driver in the state.
  • Colorado state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Castle Rock are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Castle Rock is a lightly populated area in the state. The city’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 Castle Rock is $94 per month for minimum coverage and $162 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 Cities

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* Who is the average Castle Rock driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Castle Rock with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.