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Get Cheap Car Insurance in Fort Lupton, CO
We monitor insurance prices, helping the average driver in Fort Lupton save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Fort Lupton
The chart below shows the cheapest car insurance company in Fort Lupton 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.
| Fort Lupton Insurer | Monthly Cost |
|---|---|
| State Farm | $65 |
| Bristol West | $77 |
| Safeco Insurance | $79 |
| Geico | $81 |
Savings for Every Kind of Fort Lupton Driver
Based on our extensive insurance data, we know the average Fort Lupton 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 $411 per year by choosing the right vehicle insurance company. Some Fort Lupton residents are paying out over $1,920 extra every year for auto insurance in Fort Lupton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort Lupton, CO Savings / Yr. |
|---|---|
$411 |
|
$733 |
|
$590 |
|
$631 |
|
$1,867 |
|
$495 |
|
$724 |
Fort Lupton Car Insurance vs. Colorado
People living in Fort Lupton pay an average of 1.57% more than the typical driver in the state. The average driver in Fort Lupton can expect to pay about $1,121 per year, or $1,920 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Fort Lupton for most people.
Car Insurance Prices by Fort Lupton Neighborhood
Insurance Prices
Where is insurance cheapest within Fort Lupton?
The map shows insurance prices in and around Fort Lupton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $313 per year within the city boundaries, with insurance premiums ranging from a high of $2,071 to a low of $1,758. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Fort Lupton.Pick the Best Car Insurance Company for You in Fort Lupton
The best car insurance provider for most drivers in Fort Lupton
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $411 over the average Fort Lupton car insurance company.
The best car insurance provider for Fort Lupton 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 $733 over the competition.
The best car insurance company for Fort Lupton drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $590 better than other car insurance companies.
The best auto insurance for Fort Lupton drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $631 less each year.
The least expensive car insurance company for new and young drivers in Fort Lupton
In Fort Lupton, State Farm costs young drivers $1,867 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort Lupton
State Farm gave the largest car insurance discounts to married couples, averaging $495 saved each year compared to an average Fort Lupton couple's premiums.
The cheapest car insurance in Fort Lupton for drivers with bad credit
The best Fort Lupton car insurance company for customer service
Nationwide was the best company for customer service in Fort Lupton according to the NAIC.
Recent price drops
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The cheapest large national provider in Fort Lupton
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Fort Lupton 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 Fort Lupton, 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 Fort Lupton
What Influences the Cost of Car Insurance in Fort Lupton?
On average, car insurance in Fort Lupton 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 Fort Lupton is 38 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 Fort Lupton are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Fort Lupton 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 Fort Lupton is $93 per month for minimum coverage and $160 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
- Wattenberg: Insurance costs 2.03% less
- Ione: Insurance costs 8.18% less
- Vollmar: Insurance costs 7.19% less
- Lochbuie: Insurance costs the same
- Todd Creek: Insurance costs 0.78% less
- Dacono: Insurance costs 2.24% less
- Frederick: Insurance costs 2.40% less
- Brighton: Insurance costs 4.22% more
- Firestone: Insurance costs 4.06% less
- Hudson: Insurance costs 2.24% less
Cities with Similar Populations
- Medfield: Insurance costs 18.70% less
- Port Allen: Insurance costs 73.33% more
- Poquoson: Insurance costs 38.54% less
- Pontiac: Insurance costs 26.88% less
- Plattsmouth: Insurance costs 26.98% less
- Pikeville: Insurance costs 35.21% less
- Pepperell: Insurance costs 20.63% less
- Pelzer: Insurance costs 16.61% less
- Pearl River: Insurance costs 64.74% more
- Paw Paw: Insurance costs 41.20% more