Finding dependable, cheap insurance is not always easy, and determining which companies have the lowest-priced car insurance rates in Castle Rock takes even more diligence.

Every auto insurer has a unique formula for determining rates, so let's take a look at the most budget-friendly car insurance companies in Castle Rock. It's important that readers know that Castle Rock car insurance rates are impacted by many factors which can substantially change your annual premium. Improving your credit rating, buying a safer car, or getting into an accident may generate price changes that may make certain companies more expensive than competitors.

Who has the cheapest car insurance in Colorado?
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $978
3 USAA $1,009
4 Nationwide $1,143
5 Auto-Owners $1,168
6 GEICO $1,176
7 Travelers $1,207
8 State Farm $1,246
9 American Family $1,275
10 Progressive $1,336
11 Amica $1,394
12 California Casualty $1,444
13 Allied $1,497
14 Farmers $1,565
15 Colorado Farm Bureau $1,624
16 MetLife $1,885
17 Allstate $2,055
18 Encompass $2,165
19 Safeco $2,472
20 Titan $2,738
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The Hartford generally has some of the cheapest car insurance rates in Castle Rock at around $825 a year. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also make the cut as some of the more affordable Castle Rock, CO auto insurance companies.

As shown above, if you are insured with Auto-Owners and switched to Grange, you may see annual savings of in the neighborhood of $190. Colorado drivers with GEICO might save as much as $198 a year, and Travelers customers might cut rates by $229 a year.

It's important to note that these policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with an exact zip code location in Castle Rock. So the company that can offer you the best rate may not even be in the top 21 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.

One of the more important things that aid in calculating the annual cost of car insurance is the neighborhood you call home in Castle Rock. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.

The illustration below shows the most expensive cities in Colorado to purchase auto insurance in. Castle Rock makes the list at #15 with the yearly price of $1,248 for the average insurance policy, which is about $104 per month.

Car insurance prices in Castle Rock
Rank City Annual Premium
1 Pueblo $1,440
2 Denver $1,439
3 Lakewood $1,378
4 Aurora $1,375
5 Commerce City $1,354
6 Colorado Springs $1,329
7 Thornton $1,320
8 Centennial $1,317
9 Ken Caryl $1,313
10 Security-Widefield $1,304
11 Northglenn $1,303
12 Parker $1,270
13 Arvada $1,269
14 Littleton $1,254
15 Castle Rock $1,248
16 Westminster $1,246
17 Highlands Ranch $1,241
18 Brighton $1,235
19 Boulder $1,195
20 Broomfield $1,167
21 Grand Junction $1,154
22 Longmont $1,144
23 Greeley $1,144
24 Loveland $1,096
25 Fort Collins $1,067
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Rates are estimated as the specific area where the vehicle is garaged can raise or lower insurance rates noticeably.

The make and model of vehicle to be insured is a large factor that determines whether or not you find cheap coverage in Castle Rock. Vehicles with high performance engines, a lack of modern safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.

The information below outlines car insurance costs for a handful of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Castle Rock, CO
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,079
Toyota Prius $1,172
Jeep Wrangler Sahara 4WD 2-Dr $1,181
Dodge Grand Caravan SE $1,190
Honda CR-V EX-L 4WD $1,223
Ford Fusion S 4-Dr Sedan $1,248
Honda Civic VP 4-Dr Sedan $1,292
Hyundai Elantra Blue 4-Dr Sedan $1,299
Ford Explorer Eddie Bauer 2WD $1,295
Honda Odyssey EX-L W/Rear Entertainment $1,315
Toyota Camry XLE $1,324
GMC Sierra SLT Extended Cab 4WD $1,341
Volkswagen Jetta 2.0T 4-Dr Sedan $1,346
Ford Edge SEL 2WD $1,341
Toyota Tacoma 2WD $1,378
Ford F-150 Lariat Super Cab 2WD $1,394
Toyota RAV4 4WD $1,408
Chevrolet Silverado LT Extended Cab 2WD $1,466
Kia Optima LX $1,476
Chevrolet Malibu LTZ $1,471
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can change premium rates substantially.

Looking at the data, we can expect cars like the Ford Escape, Toyota Prius, and Jeep Wrangler should be a few of the cheapest vehicles to insure for drivers in Castle Rock.

Difference between full coverage and liability only rates

Finding cheaper car insurance is important to most people, and one way to buy cheaper insurance in Castle Rock is to only buy liability insurance. The information below visualizes the comparison of insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.

Averaged for all ages 20 through 70, physical damage coverage costs $1,476 per year more than just buying liability only. Many of you may wonder if buying full coverage is worth the expense. There isn't a written rule to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your vehicle's replacement value is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,500 after paying your deductible. If premiums are more than $450 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

How to find the cheapest car insurance in Castle Rock

The list below details many thrifty suggestions that can help you buy lower-cost coverage.

The last suggestion is extraordinarily crucial, as was stressed in this article. Coverage rates fluctuate constantly, so don't be unwilling to buy a policy from a new company if you can save money. Many drivers have brand loyalty and that's fine, but it isn't a good idea if that dedication is costing money that could be used for better things. It only take a few minutes to compare prices and find cheaper insurance in Castle Rock.