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Get Cheap Car Insurance in Federal Heights, CO
We monitor insurance prices, helping the average driver in Federal Heights save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Federal Heights
The chart below shows the cheapest car insurance company in Federal Heights 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.
| Federal Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $74 |
| Bristol West | $88 |
| Safeco Insurance | $89 |
| Geico | $92 |
Savings for Every Kind of Federal Heights Driver
Based on our extensive insurance data, we know the average Federal Heights 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 $467 per year by choosing the right vehicle insurance company. Some Federal Heights residents are paying out over $2,178 extra every year for auto insurance in Federal Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Federal Heights, CO Savings / Yr. |
|---|---|
$467 |
|
$832 |
|
$670 |
|
$716 |
|
$2,119 |
|
$561 |
|
$822 |
Federal Heights Car Insurance vs. Colorado
People living in Federal Heights pay an average of 15.26% more than the typical driver in the state. The average driver in Federal Heights can expect to pay about $1,273 per year, or $2,178 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Federal Heights for most people.
Car Insurance Prices by Federal Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Federal Heights?
The map shows insurance prices in and around Federal Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $261 per year within the city boundaries, with insurance premiums ranging from a high of $2,268 to a low of $2,007. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Federal Heights.Pick the Best Car Insurance Company for You in Federal Heights
The best car insurance provider for most drivers in Federal Heights
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $467 over the average Federal Heights car insurance company.
The best car insurance provider for Federal Heights 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 $832 over the competition.
The best car insurance company for Federal Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $670 better than other car insurance companies.
The best auto insurance for Federal Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $716 less each year.
The least expensive car insurance company for new and young drivers in Federal Heights
In Federal Heights, State Farm costs young drivers $2,119 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Federal Heights
State Farm gave the largest car insurance discounts to married couples, averaging $561 saved each year compared to an average Federal Heights couple's premiums.
The cheapest car insurance in Federal Heights for drivers with bad credit
The best Federal Heights car insurance company for customer service
Nationwide was the best company for customer service in Federal Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Federal Heights
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Federal Heights 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 Federal Heights, 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 Federal Heights
What Influences the Cost of Car Insurance in Federal Heights?
On average, car insurance in Federal Heights 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 Federal Heights is 35 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 Federal Heights are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Federal Heights is one of the least populated areas 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 Federal Heights is $106 per month for minimum coverage and $182 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
- Westminster: Insurance costs 6.20% less
- Sherrelwood: Insurance costs 1.84% less
- Welby: Insurance costs 0.14% less
- Northglenn: Insurance costs 5.33% less
- Thornton: Insurance costs 4.32% less
- Berkley: Insurance costs 1.70% less
- North Washington: Insurance costs 0.69% more
- Broomfield: Insurance costs 7.85% less
- Derby: Insurance costs 1.84% more
- Arvada: Insurance costs 9.27% less
Cities with Similar Populations
- Alamosa: Insurance costs 13.50% less
- Worthington: Insurance costs 25.57% less
- Woodruff: Insurance costs 25.80% less
- Woodland Park: Insurance costs 9.92% less
- Winton: Insurance costs 2.34% less
- Winchester: Insurance costs 38.11% less
- West Point: Insurance costs 20.98% less
- West Freehold: Insurance costs 17.13% less
- Bonham: Insurance costs 22.13% less
- Berwyn: Insurance costs 35.72% less