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Get Cheap Car Insurance in Gunnison, CO
We monitor insurance prices, helping the average driver in Gunnison save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Gunnison
The chart below shows the cheapest car insurance company in Gunnison 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.
| Gunnison Insurer | Monthly Cost |
|---|---|
| State Farm | $61 |
| Bristol West | $73 |
| Safeco Insurance | $74 |
| Geico | $76 |
Savings for Every Kind of Gunnison Driver
Based on our extensive insurance data, we know the average Gunnison 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 $386 per year by choosing the right vehicle insurance company. Some Gunnison residents are paying out over $1,803 extra every year for auto insurance in Gunnison. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gunnison, CO Savings / Yr. |
|---|---|
$386 |
|
$689 |
|
$554 |
|
$592 |
|
$1,753 |
|
$465 |
|
$680 |
Gunnison Car Insurance vs. Colorado
People living in Gunnison pay an average of 4.60% less than the typical driver in the state. The average driver in Gunnison can expect to pay about $1,053 per year, or $1,803 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Gunnison for most people.
Car Insurance Prices by Gunnison Neighborhood
Insurance Prices
Where is insurance cheapest within Gunnison?
The map shows insurance prices in and around Gunnison, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $80 per year within the city boundaries, with insurance premiums ranging from a high of $1,841 to a low of $1,761. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Gunnison.Pick the Best Car Insurance Company for You in Gunnison
The best car insurance provider for most drivers in Gunnison
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $386 over the average Gunnison car insurance company.
The best car insurance provider for Gunnison 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 $689 over the competition.
The best car insurance company for Gunnison drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $554 better than other car insurance companies.
The best auto insurance for Gunnison drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $592 less each year.
The least expensive car insurance company for new and young drivers in Gunnison
In Gunnison, State Farm costs young drivers $1,753 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gunnison
State Farm gave the largest car insurance discounts to married couples, averaging $465 saved each year compared to an average Gunnison couple's premiums.
The cheapest car insurance in Gunnison for drivers with bad credit
The best Gunnison car insurance company for customer service
Recent price drops
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The cheapest large national provider in Gunnison
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Gunnison 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 Gunnison, 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 Gunnison
What Influences the Cost of Car Insurance in Gunnison?
On average, car insurance in Gunnison is actually less expensive than the rest of the state. These low 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 Gunnison is 20 minutes, which is far less 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 Gunnison are among the lowest 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 C according to CrimeGrade.org.
- Gunnison is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Gunnison is $88 per month for minimum coverage and $150 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
- Parlin: Insurance costs 2.11% more
- Almont: Insurance costs 0.94% more
- Doyleville: Insurance costs 1.22% more
- Ohio City: Insurance costs 2.11% more
- Crested Butte: Insurance costs 0.06% less
- Pitkin: Insurance costs 2.11% more
- Mount Crested Butte: Insurance costs 0.44% less
- Sapinero: Insurance costs 1.05% less
- Powderhorn: Insurance costs 1.05% less
- Sargents: Insurance costs 0.89% more
Cities with Similar Populations
- Box Elder: Insurance costs 7.54% less
- Santa Teresa: Insurance costs 22.57% less
- Sallisaw: Insurance costs 5.77% less
- Cadiz: Insurance costs 14.59% more
- Bushkill: Insurance costs 10.65% less
- Bunker Hill: Insurance costs 20.24% less
- Brookings: Insurance costs 24.74% less
- Brookdale: Insurance costs 13.59% more
- Bridge City: Insurance costs 4.38% less
- Briarcliff Manor: Insurance costs 42.37% more