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Get Cheap Car Insurance in Orchard Mesa, CO
We monitor insurance prices, helping the average driver in Orchard Mesa save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Orchard Mesa
The chart below shows the cheapest car insurance company in Orchard Mesa 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.
| Orchard Mesa Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Bristol West | $70 |
| Safeco Insurance | $72 |
| Geico | $74 |
Savings for Every Kind of Orchard Mesa Driver
Based on our extensive insurance data, we know the average Orchard Mesa 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 $374 per year by choosing the right vehicle insurance company. Some Orchard Mesa residents are paying out over $1,746 extra every year for auto insurance in Orchard Mesa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Orchard Mesa, CO Savings / Yr. |
|---|---|
$374 |
|
$667 |
|
$537 |
|
$574 |
|
$1,698 |
|
$450 |
|
$659 |
Orchard Mesa Car Insurance vs. Colorado
People living in Orchard Mesa pay an average of 7.64% less than the typical driver in the state. The average driver in Orchard Mesa can expect to pay about $1,020 per year, or $1,746 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Orchard Mesa for most people.
Car Insurance Prices by Orchard Mesa Neighborhood
Insurance Prices
Where is insurance cheapest within Orchard Mesa?
The map shows insurance prices in and around Orchard Mesa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $110 per year within the city boundaries, with insurance premiums ranging from a high of $1,806 to a low of $1,696. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Orchard Mesa.Pick the Best Car Insurance Company for You in Orchard Mesa
The best car insurance provider for most drivers in Orchard Mesa
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $374 over the average Orchard Mesa car insurance company.
The best car insurance provider for Orchard Mesa 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 $667 over the competition.
The best car insurance company for Orchard Mesa drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $537 better than other car insurance companies.
The best auto insurance for Orchard Mesa drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $574 less each year.
The least expensive car insurance company for new and young drivers in Orchard Mesa
In Orchard Mesa, State Farm costs young drivers $1,698 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Orchard Mesa
State Farm gave the largest car insurance discounts to married couples, averaging $450 saved each year compared to an average Orchard Mesa couple's premiums.
The cheapest car insurance in Orchard Mesa for drivers with bad credit
The best Orchard Mesa car insurance company for customer service
Nationwide was the best company for customer service in Orchard Mesa according to the NAIC.
Recent price drops
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The cheapest large national provider in Orchard Mesa
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Orchard Mesa 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 Orchard Mesa, 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 Orchard Mesa
What Influences the Cost of Car Insurance in Orchard Mesa?
On average, car insurance in Orchard Mesa 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 Orchard Mesa is 23 minutes, which is far less than average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Orchard Mesa 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.
- Orchard Mesa 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 Orchard Mesa is $85 per month for minimum coverage and $145 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
- Grand Junction: Insurance costs 0.11% less
- Clifton: Insurance costs 1.26% more
- Fruitvale: Insurance costs 1.78% less
- Redlands: Insurance costs 4.24% less
- Whitewater: Insurance costs 1.83% less
- Palisade: Insurance costs 1.49% more
- Fruita: Insurance costs 2.06% less
- Glade Park: Insurance costs 1.43% less
- Gilsonite: Insurance costs 2.35% less
- Loma: Insurance costs 3.44% less
Cities with Similar Populations
- Round Hill: Insurance costs 30.30% less
- Morgan: Insurance costs 19.13% less
- Rio del Mar: Insurance costs 10.31% more
- Ripley: Insurance costs 6.53% less
- Riverside: Insurance costs 0.40% more
- Riviera Beach: Insurance costs 3.78% more
- Roanoke: Insurance costs 10.82% less
- Robinson: Insurance costs 18.73% less
- Rockdale: Insurance costs 5.56% less
- Rocky Face: Insurance costs 2.58% less