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Get Cheap Car Insurance in New Raymer, CO

We monitor insurance prices, helping the average driver in New Raymer save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in New Raymer

The chart below shows the cheapest car insurance company in New Raymer 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.

 
New Raymer Insurer Monthly Cost
State Farm $63
Bristol West $74
Safeco Insurance $76
Geico $78

Savings for Every Kind of New Raymer Driver

The table shows how much the average auto insurance customer in New Raymer might save by following our recommendations.

Based on our extensive insurance data, we know the average New Raymer 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 $395 per year by choosing the right vehicle insurance company. Some New Raymer residents are paying out over $1,844 extra every year for auto insurance in New Raymer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
New Raymer, CO Savings / Yr.
Drivers with good records
$395
Drivers with accidents
$704
Drivers with speeding tickets
$567
Drivers with a DUI conviction
$606
Young drivers
$1,793
Married drivers
$475
Drivers with bad credit
$696

New Raymer Car Insurance vs. Colorado

People living in New Raymer pay an average of 2.45% less than the typical driver in the state. The average driver in New Raymer can expect to pay about $1,077 per year, or $1,844 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in New Raymer for most people.

Car Insurance Prices by New Raymer Neighborhood

New Raymer, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within New Raymer?

The map shows insurance prices in and around New Raymer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,844 to a low of $1,844. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of New Raymer.

Pick the Best Car Insurance Company for You in New Raymer

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the New Raymer insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in New Raymer

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $395 over the average New Raymer car insurance company.

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We use the average good driver, paying $121 per month, as our baseline for pricing in New Raymer. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for New Raymer drivers with accidents on their records

In New Raymer getting into an accident will raise premiums an average 34% for a yearly cost of $2,780. That's $936 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $704 over the competition.

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The best car insurance company for New Raymer drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $567 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In New Raymer, tickets raise premiums on new quotes about $630. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,474 per year.

The best auto insurance for New Raymer drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,904 per year in auto insurance premiums, which was $1,060 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $606 less each year.

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The least expensive car insurance company for new and young drivers in New Raymer

In New Raymer, State Farm costs young drivers $1,793 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in New Raymer. With an average cost of $5,965 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in New Raymer

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $118. State Farm, Geico, and Progressive provided the largest discounts to couples living in New Raymer.

State Farm gave the largest car insurance discounts to married couples, averaging $475 saved each year compared to an average New Raymer couple's premiums.

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The cheapest car insurance in New Raymer for drivers with bad credit

People with poor credit saved an average of $696 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,052 every year. Premiums for people with poor credit were about $2,895 in New Raymer. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best New Raymer car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In New Raymer, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in New Raymer.

Nationwide was the best company for customer service in New Raymer according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in New Raymer, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in New Raymer. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in New Raymer

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 31% of New Raymer residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average New Raymer driver can expect to pay about $128 per month.

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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 New Raymer, 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.
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Auto Insurance Prices in and Around New Raymer

What Influences the Cost of Car Insurance in New Raymer?

On average, car insurance in New Raymer 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 New Raymer is 42 minutes, which is far 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 New Raymer are about 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 A- according to CrimeGrade.org.
  • New Raymer is one of the most densely populated areas 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 New Raymer is $90 per month for minimum coverage and $154 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

  • Raymer: Insurance costs 1.19% more
  • Stoneham: Insurance costs 0.33% more
  • Keota: Insurance costs the same
  • Willard: Insurance costs 1.84% more
  • Grover: Insurance costs the same
  • Briggsdale: Insurance costs 0.43% more
  • Snyder: Insurance costs 1.79% more
  • Weldona: Insurance costs 2.60% more
  • Messex: Insurance costs 1.74% more
  • Union: Insurance costs 1.08% more

Cities with Similar Populations

* Who is the average New Raymer driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central New Raymer with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.