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Get Cheap Car Insurance in Torres, CO

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

 

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The Cheapest Minimum Coverage in Torres

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

 
Torres Insurer Monthly Cost
State Farm $63
Bristol West $74
Safeco Insurance $76
Geico $78

Savings for Every Kind of Torres Driver

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

Based on our extensive insurance data, we know the average Torres 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 $395 per year by choosing the right vehicle insurance company. Some Torres residents are paying out over $1,843 extra every year for auto insurance in Torres. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Torres, CO Savings / Yr.
Drivers with good records
$395
Drivers with accidents
$704
Drivers with speeding tickets
$566
Drivers with a DUI conviction
$605
Young drivers
$1,792
Married drivers
$475
Drivers with bad credit
$695

Torres Car Insurance vs. Colorado

People living in Torres pay an average of 2.50% less than the typical driver in the state. The average driver in Torres can expect to pay about $1,076 per year, or $1,843 for full coverage.

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

Car Insurance Prices by Torres Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Torres?

The map shows insurance prices in and around Torres, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $32 per year within the city boundaries, with insurance premiums ranging from a high of $1,854 to a low of $1,822. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Torres.

Pick the Best Car Insurance Company for You in Torres

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

The best car insurance provider for most drivers in Torres

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $395 over the average Torres car insurance company.

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We use the average good driver, paying $121 per month, as our baseline for pricing in Torres. 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 Torres drivers with accidents on their records

In Torres getting into an accident will raise premiums an average 34% for a yearly cost of $2,779. That's $936 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 $704 over the competition.

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The best car insurance company for Torres drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $566 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 Torres, tickets raise premiums on new quotes about $630. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,473 per year.

The best auto insurance for Torres drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,902 per year in auto insurance premiums, which was $1,060 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 $605 less each year.

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

In Torres, State Farm costs young drivers $1,792 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 Torres. With an average cost of $5,962 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 Torres

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $118. State Farm, Geico, and Progressive provided the largest discounts to couples living in Torres.

State Farm gave the largest car insurance discounts to married couples, averaging $475 saved each year compared to an average Torres couple's premiums.

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The cheapest car insurance in Torres for drivers with bad credit

People with poor credit saved an average of $695 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,051 every year. Premiums for people with poor credit were about $2,894 in Torres. 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 Torres car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Torres 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 Torres 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 Torres, 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 Torres

What Influences the Cost of Car Insurance in Torres?

On average, car insurance in Torres 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 city are influenced by the following factors:

  • The average commute time in Torres is 23 minutes, which is far less 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 Torres are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Torres is a lightly populated area 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 Torres is $90 per month for minimum coverage and $154 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 Torres driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Torres 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.