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Get Cheap Car Insurance in Sherrelwood, CO

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

 

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The Cheapest Minimum Coverage in Sherrelwood

The chart below shows the cheapest car insurance company in Sherrelwood 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.

 
Sherrelwood Insurer Monthly Cost
State Farm $73
Bristol West $86
Safeco Insurance $88
Geico $90

Savings for Every Kind of Sherrelwood Driver

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

Based on our extensive insurance data, we know the average Sherrelwood 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 $458 per year by choosing the right vehicle insurance company. Some Sherrelwood residents are paying out over $2,138 extra every year for auto insurance in Sherrelwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sherrelwood, CO Savings / Yr.
Drivers with good records
$458
Drivers with accidents
$817
Drivers with speeding tickets
$657
Drivers with a DUI conviction
$703
Young drivers
$2,079
Married drivers
$551
Drivers with bad credit
$807

Sherrelwood Car Insurance vs. Colorado

People living in Sherrelwood pay an average of 13.13% more than the typical driver in the state. The average driver in Sherrelwood can expect to pay about $1,249 per year, or $2,138 for full coverage.

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

Car Insurance Prices by Sherrelwood Neighborhood

Sherrelwood, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Sherrelwood?

The map shows insurance prices in and around Sherrelwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $216 per year within the city boundaries, with insurance premiums ranging from a high of $2,258 to a low of $2,042. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Sherrelwood.

Pick the Best Car Insurance Company for You in Sherrelwood

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 Sherrelwood insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Sherrelwood

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $458 over the average Sherrelwood car insurance company.

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We use the average good driver, paying $140 per month, as our baseline for pricing in Sherrelwood. 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 Sherrelwood drivers with accidents on their records

In Sherrelwood getting into an accident will raise premiums an average 34% for a yearly cost of $3,224. That's $1,086 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 $817 over the competition.

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The best car insurance company for Sherrelwood drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $657 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 Sherrelwood, tickets raise premiums on new quotes about $731. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,869 per year.

The best auto insurance for Sherrelwood drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,368 per year in auto insurance premiums, which was $1,230 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 $703 less each year.

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

In Sherrelwood, State Farm costs young drivers $2,079 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 Sherrelwood. With an average cost of $6,918 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 Sherrelwood

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $137. State Farm, Geico, and Progressive provided the largest discounts to couples living in Sherrelwood.

State Farm gave the largest car insurance discounts to married couples, averaging $551 saved each year compared to an average Sherrelwood couple's premiums.

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The cheapest car insurance in Sherrelwood for drivers with bad credit

People with poor credit saved an average of $807 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,220 every year. Premiums for people with poor credit were about $3,358 in Sherrelwood. 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 Sherrelwood car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Sherrelwood, 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 Sherrelwood.

Nationwide was the best company for customer service in Sherrelwood 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 Sherrelwood, 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 Sherrelwood. 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 Sherrelwood

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Sherrelwood 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 Sherrelwood 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 Sherrelwood, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Sherrelwood

What Influences the Cost of Car Insurance in Sherrelwood?

On average, car insurance in Sherrelwood is more expensive than the rest of the state. These high 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 Sherrelwood is 33 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 Sherrelwood are among the lowest 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.
  • Sherrelwood 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 Sherrelwood is $104 per month for minimum coverage and $178 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

Cities with Similar Populations

* Who is the average Sherrelwood driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sherrelwood 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.