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Get Cheap Car Insurance in Side Hill, Fort Collins, CO

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

 

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The Cheapest Minimum Coverage in Side Hill

The chart below shows the cheapest car insurance company in Side Hill 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.

 
Side Hill Insurer Monthly Cost
State Farm $59
Bristol West $69
Safeco Insurance $71
Geico $72

Savings for Every Kind of Side Hill Driver

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

Based on our extensive insurance data, we know the average Side Hill 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 $369 per year by choosing the right vehicle insurance company. Some Side Hill residents are paying out over $1,720 extra every year for auto insurance in Side Hill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Side Hill, Fort Collins, CO Savings / Yr.
Drivers with good records
$369
Drivers with accidents
$657
Drivers with speeding tickets
$529
Drivers with a DUI conviction
$565
Young drivers
$1,673
Married drivers
$443
Drivers with bad credit
$649

Side Hill Car Insurance vs. Fort Collins

People living in Side Hill pay an average of 9.00% less than the typical driver in the state. The average driver in Side Hill can expect to pay about $1,005 per year, or $1,720 for full coverage.

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

Car Insurance Prices by Side Hill Neighborhood

Side Hill, Fort Collins, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Side Hill?

The map shows insurance prices in and around Side Hill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $31 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,743 to a low of $1,712. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Side Hill.

Pick the Best Car Insurance Company for You in Side Hill

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

The best car insurance provider for most drivers in Side Hill

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $369 over the average Side Hill car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Side Hill. 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 Side Hill drivers with accidents on their records

In Side Hill getting into an accident will raise premiums an average 34% for a yearly cost of $2,593. That's $874 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 $657 over the competition.

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The best car insurance company for Side Hill drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $529 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 Side Hill, tickets raise premiums on new quotes about $588. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,308 per year.

The best auto insurance for Side Hill drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,709 per year in auto insurance premiums, which was $989 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 $565 less each year.

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

In Side Hill, State Farm costs young drivers $1,673 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 Side Hill. With an average cost of $5,565 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 Side Hill

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $110. State Farm, Geico, and Progressive provided the largest discounts to couples living in Side Hill.

State Farm gave the largest car insurance discounts to married couples, averaging $443 saved each year compared to an average Side Hill couple's premiums.

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The cheapest car insurance in Side Hill for drivers with bad credit

People with poor credit saved an average of $649 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $981 every year. Premiums for people with poor credit were about $2,701 in Side Hill. 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 Side Hill car insurance company for customer service

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

Nationwide was the best company for customer service in Side Hill 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 Side Hill, 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 Side Hill. 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 Side Hill

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 51% of Side Hill residents who are renting, and don't plan to be in the neighborhood or city 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 Side Hill 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 Side Hill, 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.
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Auto Insurance Prices in and Around Side Hill

What Influences the Cost of Car Insurance in Side Hill?

On average, car insurance in Side Hill 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 Side Hill is 21 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 Side Hill are higher than average 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.
  • Side Hill is a lightly populated area 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 Side Hill is $84 per month for minimum coverage and $143 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

Neighborhoods with Similar Populations

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