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Get Cheap Car Insurance in Prospect-Shields, Fort Collins, CO
We monitor insurance prices, helping the average driver in Prospect-Shields save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Prospect-Shields
The chart below shows the cheapest car insurance company in Prospect-Shields 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-Shields Insurer | Monthly Cost |
|---|---|
| State Farm | $61 |
| Bristol West | $72 |
| Safeco Insurance | $73 |
| Geico | $75 |
Savings for Every Kind of Prospect-Shields Driver
Based on our extensive insurance data, we know the average Prospect-Shields 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 $384 per year by choosing the right vehicle insurance company. Some Prospect-Shields residents are paying out over $1,793 extra every year for auto insurance in Prospect-Shields. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Prospect-Shields, Fort Collins, CO Savings / Yr. |
|---|---|
$384 |
|
$685 |
|
$551 |
|
$589 |
|
$1,744 |
|
$462 |
|
$676 |
Prospect-Shields Car Insurance vs. Fort Collins
People living in Prospect-Shields pay an average of 5.14% less than the typical driver in the state. The average driver in Prospect-Shields can expect to pay about $1,047 per year, or $1,793 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Prospect-Shields for most people.
Car Insurance Prices by Prospect-Shields Neighborhood
Insurance Prices
Where is insurance cheapest within Prospect-Shields?
The map shows insurance prices in and around Prospect-Shields, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $242 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,988 to a low of $1,746. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Prospect-Shields.Pick the Best Car Insurance Company for You in Prospect-Shields
The best car insurance provider for most drivers in Prospect-Shields
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $384 over the average Prospect-Shields car insurance company.
The best car insurance provider for Prospect-Shields 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 $685 over the competition.
The best car insurance company for Prospect-Shields drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $551 better than other car insurance companies.
The best auto insurance for Prospect-Shields drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $589 less each year.
The least expensive car insurance company for new and young drivers in Prospect-Shields
In Prospect-Shields, State Farm costs young drivers $1,744 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Prospect-Shields
State Farm gave the largest car insurance discounts to married couples, averaging $462 saved each year compared to an average Prospect-Shields couple's premiums.
The cheapest car insurance in Prospect-Shields for drivers with bad credit
The best Prospect-Shields car insurance company for customer service
Nationwide was the best company for customer service in Prospect-Shields according to the NAIC.
Recent price drops
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The cheapest large national provider in Prospect-Shields
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Prospect-Shields 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-Shields, 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-Shields
What Influences the Cost of Car Insurance in Prospect-Shields?
On average, car insurance in Prospect-Shields 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 neighborhood are influenced by the following factors:
- The average commute time in Prospect-Shields is 24 minutes, which is far less than average for a driver in the city.
- 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-Shields are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Prospect-Shields is one of the least populated areas in the state. The neighborhood’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-Shields is $87 per month for minimum coverage and $149 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 Neighborhoods
- University North: Insurance costs 1.06% more
- Rogers Park: Insurance costs 3.90% more
- Troutman Park: Insurance costs 0.45% less
- Fairway Estates: Insurance costs 0.28% less
- Side Hill: Insurance costs 4.07% less
- North Boulder: Insurance costs 4.80% more
- Palo Park: Insurance costs 2.12% more
- East Boulder: Insurance costs 9.59% more
- Crossroads: Insurance costs 9.20% more
- Washington Village: Insurance costs 8.37% more
Neighborhoods with Similar Populations
- Falcon Landing: Insurance costs 1.78% more
- Rockwood: Insurance costs 23.31% less
- Riverview: Insurance costs 61.07% more
- Riverside South: Insurance costs 9.93% more
- River Dance at Steiner Ranch: Insurance costs 0.95% less
- Reservoir: Insurance costs 43.34% more
- 65th Street West: Insurance costs 3.01% more
- Lower Village District: Insurance costs 32.57% less
- Islandview: Insurance costs 114.00% more
- Hollydale: Insurance costs 28.50% more