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Get Cheap Car Insurance in Sugar City, CO
We monitor insurance prices, helping the average driver in Sugar City save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Sugar City
The chart below shows the cheapest car insurance company in Sugar City 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.
| Sugar City Insurer | Monthly Cost |
|---|---|
| State Farm | $68 |
| Bristol West | $80 |
| Safeco Insurance | $81 |
| Geico | $84 |
Savings for Every Kind of Sugar City Driver
Based on our extensive insurance data, we know the average Sugar City 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 $425 per year by choosing the right vehicle insurance company. Some Sugar City residents are paying out over $1,984 extra every year for auto insurance in Sugar City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sugar City, CO Savings / Yr. |
|---|---|
$425 |
|
$758 |
|
$610 |
|
$652 |
|
$1,930 |
|
$511 |
|
$749 |
Sugar City Car Insurance vs. Colorado
People living in Sugar City pay an average of 4.99% more than the typical driver in the state. The average driver in Sugar City can expect to pay about $1,159 per year, or $1,984 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Sugar City for most people.
Car Insurance Prices by Sugar City Neighborhood
Insurance Prices
Where is insurance cheapest within Sugar City?
The map shows insurance prices in and around Sugar City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $73 per year within the city boundaries, with insurance premiums ranging from a high of $1,986 to a low of $1,913. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Sugar City.Pick the Best Car Insurance Company for You in Sugar City
The best car insurance provider for most drivers in Sugar City
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $425 over the average Sugar City car insurance company.
The best car insurance provider for Sugar City 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 $758 over the competition.
The best car insurance company for Sugar City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $610 better than other car insurance companies.
The best auto insurance for Sugar City drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $652 less each year.
The least expensive car insurance company for new and young drivers in Sugar City
In Sugar City, State Farm costs young drivers $1,930 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sugar City
State Farm gave the largest car insurance discounts to married couples, averaging $511 saved each year compared to an average Sugar City couple's premiums.
The cheapest car insurance in Sugar City for drivers with bad credit
The best Sugar City car insurance company for customer service
Nationwide was the best company for customer service in Sugar City according to the NAIC.
Recent price drops
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The cheapest large national provider in Sugar City
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Sugar City 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 Sugar City, 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 Sugar City
What Influences the Cost of Car Insurance in Sugar City?
On average, car insurance in Sugar City 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 Sugar City 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 Sugar City are lower than average 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 F according to CrimeGrade.org.
- Sugar City is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Sugar City is $97 per month for minimum coverage and $165 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
- Ordway: Insurance costs 0.71% less
- Crowley: Insurance costs 0.55% less
- Cheraw: Insurance costs 3.02% less
- Olney Springs: Insurance costs 0.30% more
- Manzanola: Insurance costs 0.60% less
- Fowler: Insurance costs 4.28% less
- Boone: Insurance costs 2.12% less
- Avondale: Insurance costs 0.50% less
- Vineland: Insurance costs 2.47% less
- McClave: Insurance costs 1.61% less
Cities with Similar Populations
- Grove Hill: Insurance costs 34.17% less
- Hanersville: Insurance costs 42.94% less
- Hamilton: Insurance costs 30.09% less
- Hall: Insurance costs 2.37% more
- Zion Station: Insurance costs 4.84% more
- Hadar: Insurance costs 30.95% less
- Hackney: Insurance costs 43.20% less
- Gulston: Insurance costs 11.84% more
- Gulf Hammock: Insurance costs 21.47% more
- Guldens: Insurance costs 34.68% less