Compare Aspen, CO Car Insurance Rates [2024]
Car insurance in Aspen, CO averages $321 a month. Aspen, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Aspen car insurance rates, compare quotes from the top car insurance companies in Aspen, CO.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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: Nov 27, 2023
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
- The cheapest car insurance company in Aspen is Geico
- The cheapest car insurance company in Aspen for teen drivers is Geico
- Average car insurance rates in Aspen, CO after a DUI are $4,596/year
If you need to buy Aspen, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Aspen, CO is right here.
You’ll find Aspen car insurance rates, the cheapest Aspen, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Aspen, Colorado car insurance rates to Fort Collins car insurance rates, Boulder car insurance rates, and Lakewood car insurance rates.
Ready to find affordable Aspen, CO car insurance today? Enter your ZIP code for fast, free Aspen car insurance quotes.
Cheapest Aspen, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Aspen, CO car insurance rates? Every Aspen, 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 | $3,602 | $3,366 | $3,219 | $3,256 | $12,498 | $13,147 | $3,996 | $4,038 |
| American Family | $2,526 | $2,526 | $2,281 | $2,281 | $6,134 | $8,230 | $2,526 | $3,106 |
| Farmers | $2,973 | $2,946 | $2,692 | $2,887 | $11,139 | $11,249 | $3,293 | $3,358 |
| Geico | $1,609 | $1,772 | $1,682 | $1,894 | $5,105 | $5,462 | $1,478 | $1,526 |
| Liberty Mutual | $2,023 | $2,022 | $1,695 | $1,858 | $5,908 | $6,459 | $2,056 | $2,113 |
| Nationwide | $2,313 | $2,360 | $2,066 | $2,188 | $5,843 | $7,486 | $2,658 | $2,874 |
| Progressive | $2,416 | $2,245 | $2,096 | $2,085 | $8,646 | $9,690 | $2,738 | $2,662 |
| State Farm | $2,124 | $2,124 | $1,904 | $1,904 | $6,200 | $7,807 | $2,381 | $2,855 |
| USAA | $2,365 | $2,377 | $2,237 | $2,259 | $5,838 | $6,706 | $3,052 | $3,342 |
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Minimum Car Insurance in Aspen, CO
Every driver must carry the minimum car insurance in Aspen, 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 Aspen, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Aspen, CO. Compare credit history car insurance rates in Aspen from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,508 | $5,790 | $4,374 |
| American Family | $4,813 | $3,424 | $2,867 |
| Farmers | $5,876 | $4,781 | $4,544 |
| Geico | $3,080 | $2,566 | $2,052 |
| Liberty Mutual | $4,330 | $2,627 | $2,093 |
| Nationwide | $4,201 | $3,324 | $2,896 |
| Progressive | $4,603 | $3,957 | $3,657 |
| State Farm | $4,745 | $3,043 | $2,449 |
| USAA | $5,236 | $2,963 | $2,367 |
Cheapest Aspen, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Aspen, CO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,014 | $5,764 | $7,091 | $5,693 |
| American Family | $2,737 | $3,883 | $5,082 | $3,104 |
| Farmers | $4,275 | $5,492 | $5,420 | $5,081 |
| Geico | $1,814 | $2,797 | $3,291 | $2,362 |
| Liberty Mutual | $2,635 | $3,086 | $3,225 | $3,121 |
| Nationwide | $2,669 | $3,650 | $4,637 | $2,939 |
| Progressive | $3,527 | $4,936 | $3,722 | $4,104 |
| State Farm | $3,134 | $3,691 | $3,412 | $3,412 |
| USAA | $2,573 | $3,128 | $5,481 | $2,905 |
Cheapest Aspen, CO Car Insurance for Teen Drivers
Teen car insurance in Aspen, CO can be expensive. Take a look at rates from the top car insurance companies in Aspen for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,498 | $13,147 |
| American Family | $6,134 | $8,230 |
| Farmers | $11,139 | $11,249 |
| Geico | $5,105 | $5,462 |
| Liberty Mutual | $5,908 | $6,459 |
| Nationwide | $5,843 | $7,486 |
| Progressive | $8,646 | $9,690 |
| State Farm | $6,200 | $7,807 |
| USAA | $5,838 | $6,706 |
Cheapest Aspen, CO Car Insurance for Seniors
Take a look at Aspen, CO senior car insurance rates 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 | $3,219 | $3,256 |
| American Family | $2,281 | $2,281 |
| Farmers | $2,692 | $2,887 |
| Geico | $1,682 | $1,894 |
| Liberty Mutual | $1,695 | $1,858 |
| Nationwide | $2,066 | $2,188 |
| Progressive | $2,096 | $2,085 |
| State Farm | $1,904 | $1,904 |
| USAA | $2,237 | $2,259 |
Cheapest Aspen, CO Car Insurance Rates After a DUI
A DUI in Aspen, CO increases car insurance rates. Compare Aspen, Colorado DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,091 |
| American Family | $5,082 |
| Farmers | $5,420 |
| Geico | $3,291 |
| Liberty Mutual | $3,225 |
| Nationwide | $4,637 |
| Progressive | $3,722 |
| State Farm | $3,412 |
| USAA | $5,481 |
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Cheapest Aspen, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Aspen, 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 | $5,890 | $5,890 |
| American Family | $3,622 | $3,780 |
| Farmers | $5,067 | $5,067 |
| Geico | $2,516 | $2,616 |
| Liberty Mutual | $3,017 | $3,017 |
| Nationwide | $3,474 | $3,474 |
| Progressive | $4,072 | $4,072 |
| State Farm | $3,333 | $3,492 |
| USAA | $3,421 | $3,623 |
The Best Cheap Car Insurance Companies in Aspen, CO
Take a look at a side-by-side comparison of the top car insurance companies in Aspen, CO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,890 |
| American Family | $3,701 |
| Farmers | $5,067 |
| Geico | $2,566 |
| Liberty Mutual | $3,017 |
| Nationwide | $3,474 |
| Progressive | $4,072 |
| State Farm | $3,412 |
| USAA | $3,522 |
Category Winners: Cheapest Car Insurance in Aspen, Colorado
Find the cheapest car insurance companies in Aspen, CO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Geico |
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Cheapest Aspen, CO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Aspen car insurance rates. Find the cheapest Aspen, CO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,659 | $5,875 | $6,137 |
| American Family | $3,536 | $3,777 | $3,791 |
| Farmers | $4,522 | $5,005 | $5,674 |
| Geico | $2,380 | $2,534 | $2,784 |
| Liberty Mutual | $2,885 | $3,009 | $3,156 |
| Nationwide | $3,517 | $3,472 | $3,432 |
| Progressive | $3,831 | $4,084 | $4,302 |
| State Farm | $3,230 | $3,414 | $3,594 |
| USAA | $3,387 | $3,522 | $3,658 |
What affects car insurance rates in Aspen, Colorado?
What factors can have an impact on Aspen, CO car insurance? There are several reasons why Aspen car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Aspen, Colorado.
Commute Time in Aspen
The more time you spend in your car the higher the risk of an accident. The average commute length in Aspen, CO is 15.2 minutes according to City-Data.
Compare Car Insurance Quotes in Aspen, CO
Ready to find affordable Aspen, Colorado car insurance today? Enter your ZIP code for fast, free Aspen, CO car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Why should I compare car insurance rates in Aspen, CO?
Comparing car insurance rates in Aspen, CO allows you to find the best coverage at the most competitive price. Rates can vary significantly between insurance providers, so comparing options can help you save money and ensure you have adequate protection for your vehicle.
How do car insurance rates in Aspen, CO vary between providers?
Car insurance rates in Aspen, CO can vary between providers due to several factors. Insurance companies consider factors such as your driving record, age, type of vehicle, coverage options, and even your location within Aspen. Each insurance company has its own unique formula for determining rates, so it’s important to compare quotes to find the best rate for your specific circumstances.
How can I compare car insurance rates in Aspen, CO?
To compare car insurance rates in Aspen, CO, you can follow these steps:
- Research Insurance Providers: Look for reputable insurance companies that offer coverage in Aspen, CO. Consider their financial stability, customer reviews, and the range of coverage options they provide.
- Gather Information: Collect relevant information, such as your personal details, vehicle information, and driving history. This information will be required when requesting quotes.
- Request Quotes: Contact insurance providers directly or use online comparison tools to request quotes. Provide accurate and consistent information to get reliable estimates.
- Compare Coverage and Rates: Review the quotes you receive and compare the coverage options, deductibles, limits, and premiums offered by each provider. Consider the level of coverage you need and choose the one that best fits your requirements.
- Understand Policy Details: Before finalizing your decision, carefully read and understand the policy terms and conditions, exclusions, and any additional benefits or discounts offered.
- Make an Informed Decision: Based on your research and comparison, select the car insurance policy that offers the right balance of coverage and affordability for your needs.
Are there any specific factors that can affect car insurance rates in Aspen, CO?
Yes, several factors can influence car insurance rates in Aspen, CO. Here are some common factors:
- Driving Record: Your driving history, including accidents and traffic violations, can impact your rates. A clean driving record typically leads to lower premiums.
- Age and Gender: Younger and inexperienced drivers may face higher rates due to a higher likelihood of accidents. Additionally, statistics show that young males are often associated with higher-risk driving behavior.
- Vehicle Type: The make, model, and year of your vehicle can affect insurance rates. Expensive or high-performance vehicles may have higher premiums due to increased repair costs or theft risks.
- Coverage and Deductibles: The level of coverage you choose and the deductible amount you select will influence your premium. Higher coverage limits and lower deductibles generally result in higher premiums.
- Location: Your specific location within Aspen, CO can impact rates. Factors such as crime rates, population density, and the likelihood of accidents in your area can affect insurance costs.
- Credit History: In some states, including Colorado, credit history can be a factor in determining insurance rates. Maintaining good credit can help you secure better rates.
Can I get discounts on car insurance in Aspen, CO?
Yes, many insurance companies offer various discounts that can help you save on car insurance premiums in Aspen, CO. Common discounts include safe driver discounts, multi-policy discounts (when you bundle multiple policies with the same insurer), good student discounts, anti-theft device discounts, and discounts for completing defensive driving courses. It’s always worth asking insurance providers about the discounts they offer.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.