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.

How much is car insurance in Greeley?
Rank City Annual Premium
1 Pueblo $1,455
2 Denver $1,425
3 Aurora $1,417
4 Northglenn $1,342
5 Colorado Springs $1,329
6 Lakewood $1,324
7 Centennial $1,317
8 Commerce City $1,314
9 Ken Caryl $1,313
10 Thornton $1,307
11 Security-Widefield $1,291
12 Brighton $1,285
13 Westminster $1,272
14 Littleton $1,267
15 Arvada $1,256
16 Castle Rock $1,248
17 Parker $1,233
18 Highlands Ranch $1,229
19 Boulder $1,207
20 Broomfield $1,203
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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

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Colorado auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $987
3 USAA $1,009
4 Nationwide $1,143
5 Travelers $1,171
6 GEICO $1,187
7 Auto-Owners $1,204
8 State Farm $1,222
9 American Family $1,262
10 Progressive $1,362
11 Amica $1,394
12 California Casualty $1,458
13 Allied $1,483
14 Farmers $1,613
15 Colorado Farm Bureau $1,624
16 MetLife $1,866
17 Allstate $2,015
18 Encompass $2,187
19 Safeco $2,447
20 Titan $2,630
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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.

Cheapest Vehicles to Insure in Greeley, CO
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
Toyota Prius $1,022
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.

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.

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.