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Get Cheap Car Insurance in The Pinery, CO

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

 

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The Cheapest Minimum Coverage in The Pinery

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

 
The Pinery Insurer Monthly Cost
State Farm $66
Bristol West $78
Safeco Insurance $80
Geico $82

Savings for Every Kind of The Pinery Driver

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

Based on our extensive insurance data, we know the average The Pinery 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 $416 per year by choosing the right vehicle insurance company. Some The Pinery residents are paying out over $1,941 extra every year for auto insurance in The Pinery. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
The Pinery, CO Savings / Yr.
Drivers with good records
$416
Drivers with accidents
$741
Drivers with speeding tickets
$597
Drivers with a DUI conviction
$638
Young drivers
$1,887
Married drivers
$500
Drivers with bad credit
$732

The Pinery Car Insurance vs. Colorado

People living in The Pinery pay an average of 2.69% more than the typical driver in the state. The average driver in The Pinery can expect to pay about $1,134 per year, or $1,941 for full coverage.

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

Car Insurance Prices by The Pinery Neighborhood

The Pinery, 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 The Pinery?

The map shows insurance prices in and around The Pinery, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $189 per year within the city boundaries, with insurance premiums ranging from a high of $2,075 to a low of $1,886. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of The Pinery.

Pick the Best Car Insurance Company for You in The Pinery

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

The best car insurance provider for most drivers in The Pinery

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $416 over the average The Pinery car insurance company.

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We use the average good driver, paying $127 per month, as our baseline for pricing in The Pinery. 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 The Pinery drivers with accidents on their records

In The Pinery getting into an accident will raise premiums an average 34% for a yearly cost of $2,927. That's $986 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 $741 over the competition.

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The best car insurance company for The Pinery drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $597 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 The Pinery, tickets raise premiums on new quotes about $663. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,604 per year.

The best auto insurance for The Pinery drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,057 per year in auto insurance premiums, which was $1,116 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 $638 less each year.

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

In The Pinery, State Farm costs young drivers $1,887 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 The Pinery. With an average cost of $6,280 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 The Pinery

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $124. State Farm, Geico, and Progressive provided the largest discounts to couples living in The Pinery.

State Farm gave the largest car insurance discounts to married couples, averaging $500 saved each year compared to an average The Pinery couple's premiums.

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The cheapest car insurance in The Pinery for drivers with bad credit

People with poor credit saved an average of $732 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,107 every year. Premiums for people with poor credit were about $3,048 in The Pinery. 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 The Pinery car insurance company for customer service

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

Nationwide was the best company for customer service in The Pinery 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 The Pinery, 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 The Pinery. 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 The Pinery

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 3.2% of The Pinery 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 The Pinery 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 The Pinery, 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 The Pinery

What Influences the Cost of Car Insurance in The Pinery?

On average, car insurance in The Pinery 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 The Pinery is 38 minutes, which is a little 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 The Pinery 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.
  • The Pinery 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 The Pinery is $94 per month for minimum coverage and $162 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

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