Best Pagosa Springs, CO Car Insurance in 2024
Car insurance in Pagosa Springs, CO averages $309 a month. Pagosa Springs, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Pagosa Springs car insurance rates, compare quotes from the top car insurance companies in Pagosa Springs, 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 Pagosa Springs, CO are $3,709/year
- The cheapest car insurance company in Pagosa Springs for teen drivers is Liberty Mutual
- Average car insurance rates in Pagosa Springs, CO after a DUI are $4,389/year
If you need to buy Pagosa Springs, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Pagosa Springs, CO is right here.
You’ll find Pagosa Springs car insurance rates, the cheapest Pagosa Springs, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Pagosa Springs, Colorado car insurance rates to Greeley car insurance rates, Denver car insurance rates, and Centennial car insurance rates.
Ready to find affordable Pagosa Springs, CO car insurance today? Enter your ZIP code for fast, free Pagosa Springs car insurance quotes.
Cheapest Pagosa Springs, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Pagosa Springs, CO car insurance rates? Every Pagosa Springs, 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 | $3,362 | $3,153 | $3,007 | $3,041 | $11,315 | $11,849 | $3,739 | $3,781 |
| American Family | $2,408 | $2,408 | $2,173 | $2,173 | $5,835 | $7,829 | $2,408 | $2,955 |
| Farmers | $2,674 | $2,654 | $2,425 | $2,607 | $9,924 | $10,006 | $2,944 | $2,991 |
| Geico | $1,828 | $1,975 | $1,868 | $2,075 | $5,566 | $5,927 | $1,687 | $1,743 |
| Liberty Mutual | $1,894 | $1,866 | $1,607 | $1,762 | $5,240 | $5,705 | $1,910 | $1,939 |
| Nationwide | $2,210 | $2,255 | $1,977 | $2,093 | $5,513 | $7,064 | $2,533 | $2,738 |
| Progressive | $2,735 | $2,559 | $2,356 | $2,353 | $9,197 | $10,308 | $3,095 | $3,017 |
| State Farm | $2,064 | $2,064 | $1,834 | $1,834 | $5,695 | $7,252 | $2,301 | $2,719 |
| USAA | $2,287 | $2,304 | $2,162 | $2,193 | $5,518 | $6,351 | $2,950 | $3,241 |
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Minimum Car Insurance in Pagosa Springs, CO
Every driver must carry the minimum car insurance required by the state in Pagosa Springs, 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 Pagosa Springs, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Pagosa Springs, CO. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Pagosa Springs from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,902 | $5,305 | $4,011 |
| American Family | $4,579 | $3,259 | $2,732 |
| Farmers | $5,264 | $4,266 | $4,055 |
| Geico | $3,405 | $2,834 | $2,263 |
| Liberty Mutual | $3,929 | $2,387 | $1,905 |
| Nationwide | $3,990 | $3,154 | $2,751 |
| Progressive | $5,075 | $4,320 | $3,962 |
| State Farm | $4,477 | $2,872 | $2,313 |
| USAA | $5,019 | $2,839 | $2,269 |
Cheapest Pagosa Springs, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Pagosa Springs, CO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,626 | $5,302 | $6,468 | $5,228 |
| American Family | $2,604 | $3,704 | $4,833 | $2,953 |
| Farmers | $3,827 | $4,908 | $4,843 | $4,534 |
| Geico | $2,029 | $3,110 | $3,527 | $2,669 |
| Liberty Mutual | $2,389 | $2,807 | $2,930 | $2,835 |
| Nationwide | $2,537 | $3,465 | $4,398 | $2,792 |
| Progressive | $3,860 | $5,364 | $4,076 | $4,510 |
| State Farm | $2,982 | $3,459 | $3,220 | $3,220 |
| USAA | $2,485 | $3,007 | $5,206 | $2,806 |
Cheapest Pagosa Springs, CO Car Insurance for Teen Drivers
Teen car insurance in Pagosa Springs, CO can be expensive. Take a look at rates from the top car insurance companies in Pagosa Springs for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,315 | $11,849 |
| American Family | $5,835 | $7,829 |
| Farmers | $9,924 | $10,006 |
| Geico | $5,566 | $5,927 |
| Liberty Mutual | $5,240 | $5,705 |
| Nationwide | $5,513 | $7,064 |
| Progressive | $9,197 | $10,308 |
| State Farm | $5,695 | $7,252 |
| USAA | $5,518 | $6,351 |
Cheapest Pagosa Springs, CO Car Insurance for Seniors
Take a look at Pagosa Springs, CO rates on car insurance for seniors 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 | $3,007 | $3,041 |
| American Family | $2,173 | $2,173 |
| Farmers | $2,425 | $2,607 |
| Geico | $1,868 | $2,075 |
| Liberty Mutual | $1,607 | $1,762 |
| Nationwide | $1,977 | $2,093 |
| Progressive | $2,356 | $2,353 |
| State Farm | $1,834 | $1,834 |
| USAA | $2,162 | $2,193 |
Cheapest Pagosa Springs, CO Car Insurance Rates After a DUI
A DUI in Pagosa Springs, CO increases car insurance rates. Compare Pagosa Springs, Colorado car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,468 |
| American Family | $4,833 |
| Farmers | $4,843 |
| Geico | $3,527 |
| Liberty Mutual | $2,930 |
| Nationwide | $4,398 |
| Progressive | $4,076 |
| State Farm | $3,220 |
| USAA | $5,206 |
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Cheapest Pagosa Springs, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Pagosa Springs, 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 | $5,406 | $5,406 |
| American Family | $3,448 | $3,599 |
| Farmers | $4,528 | $4,528 |
| Geico | $2,770 | $2,898 |
| Liberty Mutual | $2,740 | $2,740 |
| Nationwide | $3,298 | $3,298 |
| Progressive | $4,452 | $4,452 |
| State Farm | $3,142 | $3,299 |
| USAA | $3,279 | $3,472 |
The Best Cheap Car Insurance Companies in Pagosa Springs, CO
Take a look at a side-by-side comparison of the top car insurance companies in Pagosa Springs, CO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,406 |
| American Family | $3,523 |
| Farmers | $4,528 |
| Geico | $2,834 |
| Liberty Mutual | $2,740 |
| Nationwide | $3,298 |
| Progressive | $4,452 |
| State Farm | $3,220 |
| USAA | $3,376 |
Category Winners: Cheapest Car Insurance in Pagosa Springs, Colorado
Find the cheapest car insurance companies in Pagosa Springs, CO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Geico |
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Cheapest Pagosa Springs, CO Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Pagosa Springs car insurance rates. Find the cheapest Pagosa Springs, CO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,139 | $5,389 | $5,690 |
| American Family | $3,352 | $3,597 | $3,622 |
| Farmers | $3,995 | $4,466 | $5,123 |
| Geico | $2,632 | $2,798 | $3,072 |
| Liberty Mutual | $2,594 | $2,730 | $2,898 |
| Nationwide | $3,323 | $3,295 | $3,276 |
| Progressive | $4,151 | $4,464 | $4,743 |
| State Farm | $3,037 | $3,222 | $3,403 |
| USAA | $3,243 | $3,375 | $3,509 |
What affects car insurance rates in Pagosa Springs, Colorado?
What are the factors that affect car insurance rates in Pagosa Springs, CO? There are several reasons why Pagosa Springs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Pagosa Springs, Colorado.
Commute Time in Pagosa Springs
The more time you spend in your car the higher the risk of an accident. The average commute length in Pagosa Springs, CO is 9.7 minutes according to City-Data.
Compare Car Insurance Quotes in Pagosa Springs, CO
Ready to find affordable Pagosa Springs, Colorado car insurance today? Enter your ZIP code for fast, free Pagosa Springs, CO car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance quotes in Pagosa Springs, CO?
To compare car insurance quotes in Pagosa Springs, CO, you can follow these steps:
- Gather necessary information about your vehicle, such as make, model, and year.
- Prepare your personal information, including driver’s license number and driving history.
- Research reputable insurance companies that offer coverage in Pagosa Springs, CO.
- Visit the websites of these companies or use online insurance comparison tools.
- Provide accurate information and request quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial stability, and customer service reputation.
- Choose the insurance policy that best suits your needs and budget.
What factors influence car insurance rates in Pagosa Springs, CO?
Several factors can influence car insurance rates in Pagosa Springs, CO, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The type of vehicle you drive and its safety features
- Your annual mileage and usage patterns
- Your credit history
- Your ZIP code and location in Pagosa Springs, CO
- The coverage limits and deductibles you choose
Are there any specific car insurance requirements in Pagosa Springs, CO?
In Pagosa Springs, CO, drivers must meet the minimum car insurance requirements set by the state of Colorado. These requirements include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage
What additional coverage options should I consider in Pagosa Springs, CO?
While meeting the minimum requirements is mandatory, there are additional coverage options you may want to consider for enhanced protection in Pagosa Springs, CO. These can include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
- Rental car reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: Provides assistance in case of breakdowns, flat tires, or other roadside emergencies.
How can I lower my car insurance premiums in Pagosa Springs, CO?
To potentially lower your car insurance premiums in Pagosa Springs, CO, consider the following:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket costs if needed.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Shop around and compare quotes from different insurance companies to ensure you’re getting the best rate.
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.