Best Limon, CO Car Insurance in 2024
Car insurance in Limon, CO averages $331 a month. Limon, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Limon car insurance rates, compare quotes from the top car insurance companies in Limon, CO.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Limon, CO after a DUI are $4,704/year
- The cheapest car insurance company in Limon is Liberty Mutual
- The cheapest car insurance company in Limon for teen drivers is Liberty Mutual
If you need to buy Limon, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Limon, CO is right here.
You’ll find Limon car insurance rates, the cheapest Limon, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Limon, Colorado car insurance rates to Pueblo car insurance rates, Arvada car insurance rates, and Centennial car insurance rates.
Ready to find affordable Limon, CO car insurance today? Enter your ZIP code for fast, free Limon car insurance quotes.
Cheapest Limon, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Limon, CO car insurance rates? Every Limon, Colorado car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,247 | $3,046 | $2,915 | $2,946 | $11,037 | $11,592 | $3,599 | $3,626 |
| American Family | $2,330 | $2,330 | $2,098 | $2,098 | $5,641 | $7,517 | $2,330 | $2,869 |
| Farmers | $3,201 | $3,176 | $2,915 | $3,152 | $11,536 | $11,529 | $3,474 | $3,485 |
| Geico | $2,268 | $2,459 | $2,339 | $2,615 | $6,938 | $7,374 | $2,086 | $2,149 |
| Liberty Mutual | $1,751 | $1,698 | $1,492 | $1,639 | $5,226 | $5,692 | $1,768 | $1,784 |
| Nationwide | $2,672 | $2,731 | $2,380 | $2,529 | $6,687 | $8,617 | $3,064 | $3,325 |
| Progressive | $2,964 | $2,790 | $2,513 | $2,526 | $9,272 | $10,379 | $3,356 | $3,279 |
| State Farm | $2,205 | $2,205 | $1,939 | $1,939 | $5,790 | $7,435 | $2,447 | $2,870 |
| USAA | $2,437 | $2,461 | $2,298 | $2,340 | $5,826 | $6,723 | $3,151 | $3,474 |
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Minimum Car Insurance in Limon, CO
Every driver must carry the minimum car insurance in Limon, CO. Take a look at the Colorado car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Limon, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Limon, CO. Compare credit history car insurance rates in Limon from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,697 | $5,159 | $3,898 |
| American Family | $4,441 | $3,137 | $2,627 |
| Farmers | $6,206 | $4,983 | $4,736 |
| Geico | $4,247 | $3,529 | $2,810 |
| Liberty Mutual | $3,761 | $2,301 | $1,832 |
| Nationwide | $4,848 | $3,820 | $3,334 |
| Progressive | $5,320 | $4,492 | $4,093 |
| State Farm | $4,663 | $2,991 | $2,407 |
| USAA | $5,346 | $3,014 | $2,405 |
Cheapest Limon, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Limon, CO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,494 | $5,156 | $6,277 | $5,077 |
| American Family | $2,516 | $3,581 | $4,659 | $2,851 |
| Farmers | $4,498 | $5,759 | $5,681 | $5,296 |
| Geico | $2,515 | $3,870 | $4,413 | $3,317 |
| Liberty Mutual | $2,307 | $2,699 | $2,799 | $2,721 |
| Nationwide | $3,053 | $4,207 | $5,371 | $3,372 |
| Progressive | $4,032 | $5,516 | $4,260 | $4,732 |
| State Farm | $3,128 | $3,580 | $3,354 | $3,354 |
| USAA | $2,644 | $3,195 | $5,527 | $2,989 |
Cheapest Limon, CO Car Insurance for Teen Drivers
Teen car insurance in Limon, CO can be expensive. Take a look at rates from the top car insurance companies in Limon for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,037 | $11,592 |
| American Family | $5,641 | $7,517 |
| Farmers | $11,536 | $11,529 |
| Geico | $6,938 | $7,374 |
| Liberty Mutual | $5,226 | $5,692 |
| Nationwide | $6,687 | $8,617 |
| Progressive | $9,272 | $10,379 |
| State Farm | $5,790 | $7,435 |
| USAA | $5,826 | $6,723 |
Cheapest Limon, CO Car Insurance for Seniors
Take a look at Limon, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,915 | $2,946 |
| American Family | $2,098 | $2,098 |
| Farmers | $2,915 | $3,152 |
| Geico | $2,339 | $2,615 |
| Liberty Mutual | $1,492 | $1,639 |
| Nationwide | $2,380 | $2,529 |
| Progressive | $2,513 | $2,526 |
| State Farm | $1,939 | $1,939 |
| USAA | $2,298 | $2,340 |
Cheapest Limon, CO Car Insurance Rates After a DUI
A DUI in Limon, CO increases car insurance rates. Compare Limon, Colorado DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,277 |
| American Family | $4,659 |
| Farmers | $5,681 |
| Geico | $4,413 |
| Liberty Mutual | $2,799 |
| Nationwide | $5,371 |
| Progressive | $4,260 |
| State Farm | $3,354 |
| USAA | $5,527 |
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Cheapest Limon, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Limon, CO by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,251 | $5,251 |
| American Family | $3,330 | $3,473 |
| Farmers | $5,309 | $5,309 |
| Geico | $3,447 | $3,610 |
| Liberty Mutual | $2,631 | $2,631 |
| Nationwide | $4,001 | $4,001 |
| Progressive | $4,635 | $4,635 |
| State Farm | $3,271 | $3,437 |
| USAA | $3,485 | $3,692 |
The Best Cheap Car Insurance Companies in Limon, CO
Take a look at a side-by-side comparison of the top car insurance companies in Limon, CO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,251 |
| American Family | $3,402 |
| Farmers | $5,309 |
| Geico | $3,528 |
| Liberty Mutual | $2,631 |
| Nationwide | $4,001 |
| Progressive | $4,635 |
| State Farm | $3,354 |
| USAA | $3,589 |
Category Winners: Cheapest Car Insurance in Limon, Colorado
Find the cheapest car insurance companies in Limon, CO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
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Cheapest Limon, CO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Limon car insurance rates. Find the cheapest Limon, CO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,972 | $5,234 | $5,548 |
| American Family | $3,255 | $3,472 | $3,479 |
| Farmers | $4,606 | $5,227 | $6,093 |
| Geico | $3,233 | $3,471 | $3,881 |
| Liberty Mutual | $2,477 | $2,620 | $2,797 |
| Nationwide | $4,052 | $4,001 | $3,949 |
| Progressive | $4,346 | $4,645 | $4,914 |
| State Farm | $3,175 | $3,355 | $3,532 |
| USAA | $3,452 | $3,588 | $3,726 |
What affects car insurance rates in Limon, Colorado?
What factors can have an impact on Limon, CO car insurance? There are several reasons why Limon car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Limon, Colorado.
Commute Time in Limon
The more time you spend in your car the higher the risk of an accident. The average commute length in Limon, CO is 11.3 minutes according to City-Data.
Compare Car Insurance Quotes in Limon, CO
Ready to find affordable Limon, Colorado car insurance today? Enter your ZIP code for fast, free Limon, CO car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How much does car insurance in Limon, CO cost?
The cost of car insurance in Limon, CO can vary depending on various factors such as your age, driving history, the type of vehicle you drive, coverage options, and the insurance company you choose. It is recommended to obtain quotes from multiple insurers to get an accurate estimate tailored to your specific circumstances.
What are the minimum car insurance requirements in Limon, CO?
In Limon, CO, the minimum car insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
What additional coverage options should I consider for car insurance in Limon, CO?
While meeting the minimum insurance requirements is necessary, you may want to consider additional coverage options for enhanced protection. Some options to consider include:
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, fire, or damage from severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers in the event of an accident, regardless of fault.
- Personal Injury Protection (PIP): PIP coverage provides broader medical coverage and additional benefits such as lost wages and funeral expenses.
Are there any discounts available for car insurance in Limon, CO?
Yes, there are several discounts available for car insurance in Limon, CO. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record with no accidents or traffic violations may make you eligible for lower premiums.
- Safety Feature Discount: Having safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, can help lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Mature Driver Discount: Older drivers who have completed a defensive driving course may be eligible for discounted rates.
How can I find affordable car insurance in Limon, CO?
To find affordable car insurance in Limon, CO, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Maintain a Good Driving Record: Avoid accidents and traffic violations as they can result in higher insurance premiums. Practice safe driving habits and obey traffic laws.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure that you can comfortably afford the deductible amount if you need to make a claim.
- Review Coverage Regularly: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any. This can significantly reduce your insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.