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Get Cheap Car Insurance in Sugarloaf, CO
We monitor insurance prices, helping the average driver in Sugarloaf save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Sugarloaf
The chart below shows the cheapest car insurance company in Sugarloaf 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.
| Sugarloaf Insurer | Monthly Cost |
|---|---|
| State Farm | $66 |
| Bristol West | $78 |
| Safeco Insurance | $79 |
| Geico | $81 |
Savings for Every Kind of Sugarloaf Driver
Based on our extensive insurance data, we know the average Sugarloaf 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 $414 per year by choosing the right vehicle insurance company. Some Sugarloaf residents are paying out over $1,934 extra every year for auto insurance in Sugarloaf. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sugarloaf, CO Savings / Yr. |
|---|---|
$414 |
|
$739 |
|
$595 |
|
$635 |
|
$1,881 |
|
$498 |
|
$730 |
Sugarloaf Car Insurance vs. Colorado
People living in Sugarloaf pay an average of 2.33% more than the typical driver in the state. The average driver in Sugarloaf can expect to pay about $1,130 per year, or $1,934 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Sugarloaf for most people.
Car Insurance Prices by Sugarloaf Neighborhood
Insurance Prices
Where is insurance cheapest within Sugarloaf?
The map shows insurance prices in and around Sugarloaf, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $15 per year within the city boundaries, with insurance premiums ranging from a high of $1,940 to a low of $1,925. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Sugarloaf.Pick the Best Car Insurance Company for You in Sugarloaf
The best car insurance provider for most drivers in Sugarloaf
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $414 over the average Sugarloaf car insurance company.
The best car insurance provider for Sugarloaf 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 $739 over the competition.
The best car insurance company for Sugarloaf drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $595 better than other car insurance companies.
The best auto insurance for Sugarloaf drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $635 less each year.
The least expensive car insurance company for new and young drivers in Sugarloaf
In Sugarloaf, State Farm costs young drivers $1,881 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sugarloaf
State Farm gave the largest car insurance discounts to married couples, averaging $498 saved each year compared to an average Sugarloaf couple's premiums.
The cheapest car insurance in Sugarloaf for drivers with bad credit
The best Sugarloaf car insurance company for customer service
Recent price drops
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The cheapest large national provider in Sugarloaf
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Sugarloaf 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 Sugarloaf, 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 Sugarloaf
What Influences the Cost of Car Insurance in Sugarloaf?
On average, car insurance in Sugarloaf 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 Sugarloaf is 43 minutes, which is far more than 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 Sugarloaf are among the highest 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.
- Sugarloaf 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 Sugarloaf is $94 per month for minimum coverage and $161 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
- Nederland: Insurance costs 0.47% more
- Crisman: Insurance costs 0.47% less
- Pinecliffe: Insurance costs 0.31% less
- Jamestown: Insurance costs 1.81% less
- Ward: Insurance costs 1.50% less
- Coal Creek: Insurance costs 1.34% more
- Rollinsville: Insurance costs 1.55% less
- Boulder: Insurance costs 0.57% less
- Eldorado Springs: Insurance costs 0.67% less
- Tolland: Insurance costs 1.55% less
Cities with Similar Populations
- Springhope: Insurance costs 29.94% less
- Kemper: Insurance costs 13.08% less
- Kendaia: Insurance costs 14.53% more
- Kendrick: Insurance costs 12.56% less
- Kief: Insurance costs 23.06% less
- Lakeshore: Insurance costs 0.88% less
- Laketon: Insurance costs 0.36% more
- South Canaan: Insurance costs 3.36% less
- Sparenberg: Insurance costs 10.91% less
- Spring Creek: Insurance costs 10.65% less