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Get Cheap Car Insurance in Pagosa Junction, CO
We monitor insurance prices, helping the average driver in Pagosa Junction save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Pagosa Junction
The chart below shows the cheapest car insurance company in Pagosa Junction 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.
| Pagosa Junction Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Bristol West | $74 |
| Safeco Insurance | $75 |
| Geico | $77 |
Savings for Every Kind of Pagosa Junction Driver
Based on our extensive insurance data, we know the average Pagosa Junction 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 $392 per year by choosing the right vehicle insurance company. Some Pagosa Junction residents are paying out over $1,831 extra every year for auto insurance in Pagosa Junction. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pagosa Junction, CO Savings / Yr. |
|---|---|
$392 |
|
$699 |
|
$563 |
|
$602 |
|
$1,781 |
|
$472 |
|
$691 |
Pagosa Junction Car Insurance vs. Colorado
People living in Pagosa Junction pay an average of 3.13% less than the typical driver in the state. The average driver in Pagosa Junction can expect to pay about $1,069 per year, or $1,831 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Pagosa Junction for most people.
Car Insurance Prices by Pagosa Junction Neighborhood
Insurance Prices
Where is insurance cheapest within Pagosa Junction?
The map shows insurance prices in and around Pagosa Junction, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $7 per year within the city boundaries, with insurance premiums ranging from a high of $1,837 to a low of $1,830. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Pagosa Junction.Pick the Best Car Insurance Company for You in Pagosa Junction
The best car insurance provider for most drivers in Pagosa Junction
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $392 over the average Pagosa Junction car insurance company.
The best car insurance provider for Pagosa Junction 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 $699 over the competition.
The best car insurance company for Pagosa Junction drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $563 better than other car insurance companies.
The best auto insurance for Pagosa Junction drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $602 less each year.
The least expensive car insurance company for new and young drivers in Pagosa Junction
In Pagosa Junction, State Farm costs young drivers $1,781 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pagosa Junction
State Farm gave the largest car insurance discounts to married couples, averaging $472 saved each year compared to an average Pagosa Junction couple's premiums.
The cheapest car insurance in Pagosa Junction for drivers with bad credit
The best Pagosa Junction car insurance company for customer service
Nationwide was the best company for customer service in Pagosa Junction according to the NAIC.
Recent price drops
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The cheapest large national provider in Pagosa Junction
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Pagosa Junction 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 Pagosa Junction, 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 Pagosa Junction
What Influences the Cost of Car Insurance in Pagosa Junction?
On average, car insurance in Pagosa Junction 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 Pagosa Junction is 30 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 Pagosa Junction 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.
- Pagosa Junction has an average population density 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 Pagosa Junction is $89 per month for minimum coverage and $153 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
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- Chromo: Insurance costs 0.60% more
- Marvel: Insurance costs 4.21% less
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Cities with Similar Populations
- Red Buttes Village: Insurance costs 13.98% less
- Oak Hill: Insurance costs 23.92% less
- Oak Hill: Insurance costs 25.56% less
- Oak Park: Insurance costs 38.34% less
- Oakhurst: Insurance costs 55.49% more
- Oakwood: Insurance costs 26.93% less
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- Old Weona: Insurance costs 8.30% less
- Oldtown: Insurance costs 35.17% less