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Get Cheap Car Insurance in Highlands Ranch, CO
We monitor insurance prices, helping the average driver in Highlands Ranch save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Highlands Ranch
The chart below shows the cheapest car insurance company in Highlands Ranch 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.
| Highlands Ranch Insurer | Monthly Cost |
|---|---|
| State Farm | $67 |
| Bristol West | $79 |
| Safeco Insurance | $80 |
| Geico | $82 |
Savings for Every Kind of Highlands Ranch Driver
Based on our extensive insurance data, we know the average Highlands Ranch 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 Highlands Ranch residents are paying out over $1,957 extra every year for auto insurance in Highlands Ranch. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Highlands Ranch, CO Savings / Yr. |
|---|---|
$419 |
|
$747 |
|
$601 |
|
$643 |
|
$1,903 |
|
$504 |
|
$738 |
Highlands Ranch Car Insurance vs. Colorado
People living in Highlands Ranch pay an average of 3.52% more than the typical driver in the state. The average driver in Highlands Ranch can expect to pay about $1,143 per year, or $1,957 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Highlands Ranch for most people.
Car Insurance Prices by Highlands Ranch Neighborhood
Insurance Prices
Where is insurance cheapest within Highlands Ranch?
The map shows insurance prices in and around Highlands Ranch, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $188 per year within the city boundaries, with insurance premiums ranging from a high of $2,061 to a low of $1,873. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Highlands Ranch.Pick the Best Car Insurance Company for You in Highlands Ranch
The best car insurance provider for most drivers in Highlands Ranch
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 Highlands Ranch car insurance company.
The best car insurance provider for Highlands Ranch 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 $747 over the competition.
The best car insurance company for Highlands Ranch 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.
The best auto insurance for Highlands Ranch drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $643 less each year.
The least expensive car insurance company for new and young drivers in Highlands Ranch
In Highlands Ranch, State Farm costs young drivers $1,903 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Highlands Ranch
State Farm gave the largest car insurance discounts to married couples, averaging $504 saved each year compared to an average Highlands Ranch couple's premiums.
The cheapest car insurance in Highlands Ranch for drivers with bad credit
The best Highlands Ranch car insurance company for customer service
Nationwide was the best company for customer service in Highlands Ranch according to the NAIC.
Recent price drops
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The cheapest large national provider in Highlands Ranch
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Highlands Ranch 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 Highlands Ranch, 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 Highlands Ranch
What Influences the Cost of Car Insurance in Highlands Ranch?
On average, car insurance in Highlands Ranch 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 Highlands Ranch is 32 minutes, which is about the national 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 Highlands Ranch are higher than average 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.
- Highlands Ranch 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 Highlands Ranch 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 Cities
- Lone Tree: Insurance costs 0.87% less
- Louviers: Insurance costs 1.28% less
- Englewood: Insurance costs 3.37% more
- Castle Pines North: Insurance costs 0.20% more
- Littleton: Insurance costs 3.88% more
- Columbine Valley: Insurance costs 0.26% more
- Meridian: Insurance costs 5.52% less
- Columbine: Insurance costs 3.27% more
- Greenwood Village: Insurance costs 3.27% more
- Centennial: Insurance costs 2.50% more
Cities with Similar Populations
- Broken Arrow: Insurance costs 8.94% less
- Brockton: Insurance costs 7.10% more
- Broomfield: Insurance costs 2.55% more
- Battle Creek: Insurance costs 47.37% more
- Appleton: Insurance costs 44.66% less
- Acworth: Insurance costs 2.40% less
- Alpharetta: Insurance costs 1.12% less
- Aurora: Insurance costs 12.62% less
- Aurora: Insurance costs 10.83% more
- Arlington: Insurance costs 31.83% less