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Get Cheap Car Insurance in Prospect Heights, CO
We monitor insurance prices, helping the average driver in Prospect Heights save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Prospect Heights
The chart below shows the cheapest car insurance company in Prospect Heights 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.
| Prospect Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Bristol West | $73 |
| Safeco Insurance | $75 |
| Geico | $77 |
Savings for Every Kind of Prospect Heights Driver
Based on our extensive insurance data, we know the average Prospect Heights 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 $391 per year by choosing the right vehicle insurance company. Some Prospect Heights residents are paying out over $1,824 extra every year for auto insurance in Prospect Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Prospect Heights, CO Savings / Yr. |
|---|---|
$391 |
|
$697 |
|
$561 |
|
$599 |
|
$1,774 |
|
$470 |
|
$688 |
Prospect Heights Car Insurance vs. Colorado
People living in Prospect Heights pay an average of 3.49% less than the typical driver in the state. The average driver in Prospect Heights can expect to pay about $1,065 per year, or $1,824 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Prospect Heights for most people.
Car Insurance Prices by Prospect Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Prospect Heights?
The map shows insurance prices in and around Prospect Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $48 per year within the city boundaries, with insurance premiums ranging from a high of $1,828 to a low of $1,780. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Prospect Heights.Pick the Best Car Insurance Company for You in Prospect Heights
The best car insurance provider for most drivers in Prospect Heights
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $391 over the average Prospect Heights car insurance company.
The best car insurance provider for Prospect Heights 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 $697 over the competition.
The best car insurance company for Prospect Heights drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $561 better than other car insurance companies.
The best auto insurance for Prospect Heights drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $599 less each year.
The least expensive car insurance company for new and young drivers in Prospect Heights
In Prospect Heights, State Farm costs young drivers $1,774 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Prospect Heights
State Farm gave the largest car insurance discounts to married couples, averaging $470 saved each year compared to an average Prospect Heights couple's premiums.
The cheapest car insurance in Prospect Heights for drivers with bad credit
The best Prospect Heights car insurance company for customer service
Nationwide was the best company for customer service in Prospect Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Prospect Heights
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Prospect Heights 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 Prospect Heights, 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 Prospect Heights
What Influences the Cost of Car Insurance in Prospect Heights?
On average, car insurance in Prospect Heights 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 Prospect Heights 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 Prospect Heights are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Prospect Heights 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 Prospect Heights is $89 per month for minimum coverage and $152 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
- Lincoln Park: Insurance costs 1.15% less
- Brookside: Insurance costs 1.70% more
- Canon City: Insurance costs 0.16% more
- Rockvale: Insurance costs 4.77% more
- Williamsburg: Insurance costs 3.95% more
- Florence: Insurance costs 7.57% more
- Cotopaxi: Insurance costs 2.63% more
- Hillside: Insurance costs 2.47% more
- Texas Creek: Insurance costs 2.74% more
- Portland: Insurance costs 4.50% more
Cities with Similar Populations
- Buckeye: Insurance costs 16.50% less
- Weybridge: Insurance costs 36.57% less
- Westbrook: Insurance costs 9.87% less
- West Newton: Insurance costs 41.67% less
- West Newton: Insurance costs 10.75% less
- West Lowville: Insurance costs 13.71% more
- West Line: Insurance costs 1.10% less
- West Liberty: Insurance costs 22.92% less
- Chillicothe: Insurance costs 32.79% less
- Caney Branch: Insurance costs 27.41% less