For drivers in Security-Widefield, one of the largest criteria that are looked at to determine the annual cost of car insurance is your address in Security-Widefield. More populated areas tend to have higher auto insurance costs, whereas areas with less crime or weather claims receive better rates.
The following table rates the highest-priced places in Colorado to buy an auto insurance policy in. Security-Widefield is listed at #9 with an annual cost of $1,304 for the average insured, which is approximately $109 each month.
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Rates are comparative as the specific zip code location can change price quotes substantially.
Now that we understand where Security-Widefield ranks on price, deciphering which insurers offer the lowest-priced insurance rates in Security-Widefield will involve a bit more effort than just comparing a company or two.
Each insurer uses a different method to establish rates, so we'll take a look at the insurance companies with the overall best prices in Colorado.
Best Car Insurance Prices in Security-Widefield
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford offers some of the most affordable car insurance rates in Security-Widefield at around $825 a year. This is $753 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners would also make the list of some of the most economical Security-Widefield, CO auto insurance companies.
In this example, if you currently buy coverage from Nationwide and switched to The Hartford, you could earn a yearly savings of approxmiately $296. Drivers with Auto-Owners could save as much as $331 a year, and Travelers policyholders might reduce rates by $346 a year.
Understand that those policy rates are averaged across all ages of drivers and types of vehicles and are not factoring in an exact zip code location in Security-Widefield. So the insurer that has the lowest price for you may not even be in the list above. That's why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV requiring insurance is probably the largest consideration when trying to find the cheapest insurance in Security-Widefield. Vehicles with average performance, a great safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models. The table below illustrates car insurance costs for the most economical vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,161|
|Ford F-150 XLT Regular Cab 2WD||$1,276|
|Toyota Tacoma Double Cab 4WD||$1,374|
|Nissan Altima 2.5 4-Dr Sedan||$1,382|
|Toyota RAV4 Limited 4WD||$1,374|
|Chevrolet Malibu LS||$1,380|
|Ford Explorer Eddie Bauer 4WD||$1,401|
|Ford Focus SES 4-Dr Sedan||$1,418|
|Honda CR-V LX 4WD||$1,421|
|Ford Edge Sport 2WD||$1,445|
|Chevrolet Silverado LS Regular Cab 4WD||$1,465|
|Jeep Grand Cherokee SRT-8 4WD||$1,472|
|Ford F-350 XLT Crew Cab 2WD||$1,523|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,532|
|Nissan Rogue SL AWD||$1,543|
|Honda Accord EX 2-Dr Coupe||$1,549|
|Hyundai Elantra SE Touring Station Wagon||$1,545|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,560|
|Volkswagen Jetta S 4-Dr Sedan||$1,577|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific location which can modify coverage rates substantially.
Looking at the numbers, vehicles like the Ford Escape, Ford F-150, Toyota Prius, Toyota Tacoma, and Nissan Altima are going to be a few of the most economical vehicles to insure for drivers in Security-Widefield.
Get discounts on Security-Widefield car insurance rates
Insurance providers that offer coverage in Security-Widefield may additionally offer special discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. Larger auto insurance companies and the discounts they provide are detailed below.
- GEICO may have discounts that include driver training, air bags, anti-lock brakes, federal employee, military active duty, and good student.
- USAA policyholders can earn discounts including military installation, multi-vehicle, defensive driver, multi-policy, vehicle storage, and driver training.
- Progressive discounts include multi-vehicle, good student, continuous coverage, online quote discount, online signing, and multi-policy.
- American Family has savings for Steer into Savings, early bird, air bags, mySafetyValet, multi-vehicle, good driver, and TimeAway discount.
- Esurance offers discounts for renters, good driver, Pac-12 alumni, online quote, emergency road assistance, multi-car, and online shopper.
- Farmers Insurance offers discounts including homeowner, good student, youthful driver, electronic funds transfer, and bundle discounts.
- State Farm may offer discounts for student away at school, defensive driving training, good student, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, and multiple policy.
The example below shows the difference between auto insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, multiple vehicle, claim-free, marriage, defensive driving course, and multiple policy discounts applied. In this example, the the average yearly reduction on auto insurance in Security-Widefield is 28% or $551.
Compare rates to save
Colorado auto insurance rates are based on many factors which can substantially change the policy price. Simply improving your credit, filing a claim, or getting a DUI can cause premium changes resulting in some rates now being much cheaper than others. And not only may your rating factors change, but companies amend premium rates as often as every three months to adjust for heavy claims or excess profits. An unexpected high level of claims can cause more expensive premiums, while a lower level of claims may produce cheaper Security-Widefield car insurance rates.
For instance, the chart below shows which companies have the cheapest car insurance in Security-Widefield, CO for a 30-year-old male driver with no prior accidents, a clean driving record, and good credit. If we estimate prices based on his personal risk profile, The Hartford may have the lowest car insurance rates in Security-Widefield at $1,019 each year. This is $559 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the remaining top five cheapest Security-Widefield, CO auto insurance companies.
In this next rate comparison, we will give the driver in the first example an at-fault accident, a lower credit score, and a blemish on his driving record. Due to the fact that every auto insurer has their own unique process for determining rates, analyzing rates most likely will result in a different set of the cheapest car insurance companies in Security-Widefield as shown below.
Travelers now has the best price on car insurance in Security-Widefield, CO with State Farm, American Family, Progressive, and Amica now being in the top five. This example demonstrates why consumers need to take the time to compare many different companies when trying to find the best auto insurance rates in Security-Widefield.
Auto insurance prices are determined by many risk factors and can change substantially, so the most economical option two years ago may now be quite expensive.
How to find more affordable insurance in Security-Widefield
Lowering your rates is not difficult, and here are some of the better thrifty solutions that can help Security-Widefield drivers locate cheap car insurance.
- Try paying for small claims out-of-pocket
- Remain accident-free and save
- Buying home and auto insurance together can earn discounts
- Avoid getting tickets or violations
- Safer vehicles cost less to insure
- Keep rates low by shopping around frequently
The final tip is highly significant, as was emphasized in this article. Prices charged by car insurance companies vary considerably, so you should be ready to buy from a different company if a more affordable rate is found. Many drivers tend to have loyalty to a certain company, but it's not a good idea if that dedication is costing big bucks every year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance in Security-Widefield.