For drivers in Greeley, one of the big components that are used to help calculate the amount you pay each year for auto insurance is your zip code in Greeley. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The next table shows the most expensive cities in Colorado to purchase a policy in. Greeley shows up at #22 with the annual price of $1,144 for the average policy, which is around $95 each month.
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Table data uses estimated as the specific garaging location can alter insurance rates significantly.
Having seen where Greeley ranks for price, finding out which company quotes the best insurance rates in Greeley will involve a bit more work than just quoting one company's rates. Each insurer uses their own calculation for setting prices, so we need to take a look at the most competitive insurance companies in Greeley.
Cheapest Insurance Rates in Greeley
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,624|
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The Hartford may have some of the best car insurance rates in Greeley at around $850 per year. This is $728 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers would also be considered some of the most economical Greeley, CO car insurance companies.
As shown in the rates above, if you currently have coverage with Nationwide and switched to Grange, you could realize yearly savings of upwards of $156. Colorado drivers with Travelers may save as much as $184 a year, and GEICO insureds might see rate reductions of $200 a year.
To find out how much you can save, click here to get a free quote or visit several of the following companies.
Remember that these premium estimates are averages for all drivers and vehicles and are not factoring in a specific vehicle garaging location in Greeley. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.
The vehicle requiring insurance is one of the largest factors when quoting affordable insurance in Greeley. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models. The information below shows insurance premiums for a selection of the most budget-friendly automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$826|
|Honda CR-V EX 4WD||$945|
|Ford F-150 Lariat Crew Cab 4WD||$975|
|Ford Focus SEL 4-Dr Sedan||$987|
|Toyota Camry XLE||$1,006|
|Ford Edge Sport 2WD||$1,012|
|Toyota Corolla XLE||$1,006|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,024|
|Dodge Ram Crew Cab ST 4WD||$1,044|
|Ford F-350 Super Cab Lariat 2WD||$1,061|
|Honda Odyssey EX W/Rear Entertainment||$1,075|
|Honda Accord LX-S 2-Dr Coupe||$1,080|
|Toyota RAV4 4WD||$1,095|
|Ford Fusion S 4-Dr Sedan||$1,102|
|Toyota Tacoma Double Cab 4WD||$1,095|
|Ford Explorer XLT 4WD||$1,110|
|Chevrolet Malibu LT||$1,116|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,134|
|Chevrolet Impala LS||$1,151|
|GMC Sierra SL Extended Cab 2WD||$1,173|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,180|
|Chevrolet Equinox LTZ 2WD||$1,173|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in garaging location in Greeley, CO which can decrease or increase premiums considerably.
By looking at the data, models like the Ford Escape, Honda CR-V, and Ford F-150 are going to be some of the most affordable vehicles to insure for drivers in Greeley.
Poor driving habits will raise your car insurance rates
The easiest method to earn low car insurance prices in Colorado for drivers in Greeley is to pay attention while driving and avoid accidents and violations. The information below illustrates how speeding tickets and fender-benders can affect annual premium costs for different categories of driver ages. The data is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The data above shows the average cost of an auto insurance policy in Colorado per year with no violations or accidents is $2,013. Get two speeding tickets and the average cost increases to $2,671, an increase of $658 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of car insurance in Greeley goes up to an average of $5,007. That's an increase of $2,994, or $250 per month, just for not keeping your driving record clean!
Get discount Greeley auto insurance rates
Insurance providers that sell policies in Greeley may have premium discounts that could potentially reduce rates by as much as 30% if you meet the requirements. The best car insurance companies and the discounts they provide are shown below.
- Progressive includes discounts for continuous coverage, online signing, online quote discount, homeowner, good student, and multi-vehicle.
- The Hartford has savings for good student, air bag, driver training, bundle, vehicle fuel type, and defensive driver.
- Mercury Insurance has discounts for professional/association, good driver, anti-theft, multi-policy, and low natural disaster claims.
- GEICO discounts include emergency military deployment, multi-vehicle, defensive driver, anti-theft, five-year accident-free, federal employee, and daytime running lights.
- AAA offers premium reductions for education and occupation, multi-policy, AAA membership discount, anti-theft, pay-in-full, and good driver.
- State Farm may have discounts that include driver's education, defensive driving training, good student, good driver, Steer Clear safe driver discount, and passive restraint.
The illustration below compares car insurance costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, defensive driving course, safe-driver, multiple vehicle, passive restraint, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance in Greeley is 28% or $618.
Why you should compare rates
Greeley, CO car insurance rates are based on many factors which can significantly increase or decrease the cost of a policy. Simply getting older, buying another vehicle, or getting caught speeding can cause premium changes that can make some companies more affordable than others.
Additionally, insurers change their prices every year or even multiple times each year to ensure their profitability. Heavier than normal losses may cause a rate increase, while profitable underwriting can cause cheaper Greeley car insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Greeley, CO for a 40-year-old male driver with a clear driving record, no claims, and excellent credit. If we look at prices based on his current risk profile, The Hartford offers the most affordable car insurance rates in Greeley at $850 per year. This is $728 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are the remainder of the best Greeley, CO auto insurance companies.
The example below compares rates after we give the driver from above a chargable claim, bad credit, and a couple of points charged on his driving record. Since each auto insurance company has their own formula to determing premium rates, comparing quotes could result in a slightly different list of companies as shown below.
Auto-Owners now has the cheapest car insurance in Greeley, CO with State Farm, American Family, Amica, and Progressive now being in the top five. This illustrates why it is so important to spend some time comparing rates to get the best insurance quotes in Greeley.
Insurance rates consist of many things and can decrease or increase without notice, so the best option three years ago may now be priced much higher than other options.
How to find the cheapest auto insurance in Greeley
It is possible to find better rates, and here are a few penny-pinching solutions that can help you locate cheaper car insurance.
- Assess whether full coverage is needed
- Buy vehicles with five-star safety ratings
- Home or renters coverage can save on auto insurance
- Maintaining good credit helps earn cheaper rates
- Raise physical damage deductibles
- Discounts for being claim-free can be substantial
- Shop around once a year for cheaper rates
That last piece of advice is remarkably critical, as was stressed in the article above. Coverage prices adjust frequently, so don't hesitate to buy from a new company if a lower price can be found.
Having brand loyalty is commendable, but we do not recommend it if that faithfulness ends up costing you a fortune every year. In less than five minutes you could compare prices to find cheaper auto insurance in Greeley.