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Get Cheap Car Insurance in Douglas County, CO

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

 

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The Cheapest Minimum Coverage in Douglas County

The chart below shows the cheapest car insurance company in Douglas County 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.

 
Douglas County Insurer Monthly Cost
State Farm $67
Bristol West $79
Safeco Insurance $80
Geico $82

Savings for Every Kind of Douglas County Driver

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

Based on our extensive insurance data, we know the average Douglas County 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 $419 per year by choosing the right vehicle insurance company. Some Douglas County residents are paying out over $1,955 extra every year for auto insurance in Douglas County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Douglas County, CO Savings / Yr.
Drivers with good records
$419
Drivers with accidents
$747
Drivers with speeding tickets
$601
Drivers with a DUI conviction
$642
Young drivers
$1,901
Married drivers
$504
Drivers with bad credit
$737

Douglas County Car Insurance vs. Colorado

People living in Douglas County pay an average of 3.43% more than the typical driver in the state. The average driver in Douglas County can expect to pay about $1,142 per year, or $1,955 for full coverage.

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

Car Insurance Prices by Douglas County Neighborhood

Douglas County, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
Less expensive

Where is insurance cheapest within Douglas County?

The map shows insurance prices in and around Douglas County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $354 per year within the county boundaries, with insurance premiums ranging from a high of $2,203 to a low of $1,849. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Douglas County.

Pick the Best Car Insurance Company for You in Douglas County

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 Douglas County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Douglas County

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $419 over the average Douglas County car insurance company.

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We use the average good driver, paying $128 per month, as our baseline for pricing in Douglas County. 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 Douglas County drivers with accidents on their records

In Douglas County getting into an accident will raise premiums an average 34% for a yearly cost of $2,948. That's $993 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 $747 over the competition.

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The best car insurance company for Douglas County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $601 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 Douglas County, tickets raise premiums on new quotes about $668. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,623 per year.

The best auto insurance for Douglas County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,079 per year in auto insurance premiums, which was $1,124 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 $642 less each year.

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The least expensive car insurance company for new and young drivers in Douglas County

In Douglas County, State Farm costs young drivers $1,901 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 Douglas County. With an average cost of $6,325 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 Douglas County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $125. State Farm, Geico, and Progressive provided the largest discounts to couples living in Douglas County.

State Farm gave the largest car insurance discounts to married couples, averaging $504 saved each year compared to an average Douglas County couple's premiums.

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The cheapest car insurance in Douglas County for drivers with bad credit

People with poor credit saved an average of $737 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,115 every year. Premiums for people with poor credit were about $3,070 in Douglas County. 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 Douglas County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Douglas County, 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 Douglas County.

Nationwide was the best company for customer service in Douglas County 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 Douglas County, 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 Douglas County. 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 Douglas County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Douglas County residents who are renting, and don't plan to be in the county 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 Douglas County 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 Douglas County, 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 Douglas County

What Influences the Cost of Car Insurance in Douglas County?

On average, car insurance in Douglas County 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 county are influenced by the following factors:

  • The average commute time in Douglas County is 34 minutes, which is far 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 Douglas County are among the highest 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.
  • Douglas County is one of the least populated areas in the state. The county’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 Douglas County is $95 per month for minimum coverage and $163 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 Counties

Counties with Similar Populations

* Who is the average Douglas County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Douglas County 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.