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Get Cheap Car Insurance in Keystone, CO
We monitor insurance prices, helping the average driver in Keystone save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Keystone
The chart below shows the cheapest car insurance company in Keystone 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.
| Keystone Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Bristol West | $75 |
| Safeco Insurance | $76 |
| Geico | $78 |
Savings for Every Kind of Keystone Driver
Based on our extensive insurance data, we know the average Keystone 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 $397 per year by choosing the right vehicle insurance company. Some Keystone residents are paying out over $1,854 extra every year for auto insurance in Keystone. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Keystone, CO Savings / Yr. |
|---|---|
$397 |
|
$708 |
|
$570 |
|
$609 |
|
$1,803 |
|
$478 |
|
$700 |
Keystone Car Insurance vs. Colorado
People living in Keystone pay an average of 1.89% less than the typical driver in the state. The average driver in Keystone can expect to pay about $1,083 per year, or $1,854 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Keystone for most people.
Car Insurance Prices by Keystone Neighborhood
Insurance Prices
Where is insurance cheapest within Keystone?
The map shows insurance prices in and around Keystone, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $128 per year within the city boundaries, with insurance premiums ranging from a high of $1,895 to a low of $1,767. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northwest parts of Keystone.Pick the Best Car Insurance Company for You in Keystone
The best car insurance provider for most drivers in Keystone
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $397 over the average Keystone car insurance company.
The best car insurance provider for Keystone 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 $708 over the competition.
The best car insurance company for Keystone drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $570 better than other car insurance companies.
The best auto insurance for Keystone drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $609 less each year.
The least expensive car insurance company for new and young drivers in Keystone
In Keystone, State Farm costs young drivers $1,803 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Keystone
State Farm gave the largest car insurance discounts to married couples, averaging $478 saved each year compared to an average Keystone couple's premiums.
The cheapest car insurance in Keystone for drivers with bad credit
The best Keystone car insurance company for customer service
Recent price drops
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The cheapest large national provider in Keystone
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Keystone 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 Keystone, 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 Keystone
What Influences the Cost of Car Insurance in Keystone?
On average, car insurance in Keystone 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 Keystone 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 Keystone are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Keystone 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 Keystone is $90 per month for minimum coverage and $155 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
- Dillon: Insurance costs 0.22% more
- Montezuma: Insurance costs 1.78% more
- Silverthorne: Insurance costs 1.46% less
- Frisco: Insurance costs 2.05% less
- Breckenridge: Insurance costs 0.70% less
- Blue River: Insurance costs 0.27% less
- Silver Plume: Insurance costs 3.24% more
- Georgetown: Insurance costs 3.24% more
- Lawson: Insurance costs 2.70% more
- Grant: Insurance costs 1.56% more
Cities with Similar Populations
- Beach Haven: Insurance costs 6.90% less
- Maud: Insurance costs 9.92% less
- Rosita: Insurance costs 6.53% less
- Rosenhayn: Insurance costs 2.37% less
- Romance: Insurance costs 8.74% less
- Rockaway Beach: Insurance costs 22.22% less
- Phelps: Insurance costs 28.32% more
- Oregonia: Insurance costs 41.21% less
- Oberlin: Insurance costs 12.62% less
- North Rose: Insurance costs 11.33% more