How to Get the Cheapest Auto Insurance in Fort Collins

To drive legally in Fort Collins, you’ll need to follow Colorado’s auto insurance requirements.


Fort Collins Auto Insurance Requirements

Here are some of the requirements to be liable for auto insurance coverage in Fort Collins 

1. Liability Coverage

First, you must have liability coverage to pay for any damage or injuries to others in an accident you cause. Fort Collins requires minimum limits of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. Higher limits are recommended if you have significant assets.


2. collision and comprehensive coverage

You’ll also want collision and comprehensive coverage for your own vehicle. Collision covers repairs after an accident, while comprehensive covers non-accident damage like theft, vandalism or natural disasters. If you have an auto loan or lease, your lender will likely require both.

3. Uninsured and underinsured motorist coverage

Uninsured and underinsured motorist coverage provides protection in case an at-fault driver has little or no insurance. Medical payments or PIP coverage pays for injuries to you and your passengers, regardless of fault.

4. Deductible

You have options when it comes to deductibles. A higher deductible means lower premiums but more out of pocket costs if you file a claim. Compare quotes at different deductible levels to find the right balance for your needs.

5. Compare Company Quotes

Shop around at different companies to compare. In Fort Collins, State Farm, Geico, Progressive and Allstate typically offer some of the best rates. Check independent agents as well, who can provide quotes from multiple companies.


6. Look for Discount

Discounts for safe drivers, students, anti-theft devices and bundling with home or life insurance can lower your premiums. Ask about any discounts you may qualify for.

Following these tips will help ensure you get the minimum required coverage at an affordable price in Fort Collins.

READ ALSO: What Is The Best Rates for California Commercial Auto Insurance?

Top Auto Insurance Providers in Fort Collins

When it comes to finding cheap auto insurance in Fort Collins, you have several good options to choose from.

Some of the most affordable and highly-rated providers in the city include:

1. State Farm

State Farm is one of the largest auto insurers in the U.S. and Fort Collins. They are known for competitive rates, especially for drivers with a good record.

State Farm offers basic coverage as well as more comprehensive plans with add-ons like roadside assistance. They also provide discounts for bundling home and life insurance.

2. Geico

Geico is another major insurance company that frequently offers some of the lowest premiums, especially for those with a safe driving history. They provide standard coverage as well as plans with additional protections.

Geico is also a good choice if you want to bundle multiple policies to save money. They offer discounts for insuring more than one vehicle, for students, educators, and members of certain professional organizations.


 USAA is mostly an insurance coverage for military members, veterans and their families. Typically very affordable.

4. Hartford 

The Hartford is a solid provider with competitive rates for drivers 50 and over.

5. Allstate 

Allstate is a arge insurer with basic and comprehensive coverage options and many discounts available.

6. Progressive

Progressive compares quotes from top companies to find you a good deal. They provide standard auto coverage, as well as options like accident forgiveness, roadside help, and rideshare coverage.

READ ALSO: Best Commercial Auto Insurance in Florida

How can I lower my auto insurance premiums in Fort Collins?

There are several ways to lower your auto insurance rates in Fort Collins.

  • Shop around at different companies to compare quotes.
  • Ask about bundling your auto policy with other policies like home or life insurance.
  • Increase your deductibles. The higher your deductibles, the lower your premiums will be.
  • Drop unnecessary coverage. For older vehicles, you may not need comprehensive and collision coverage.
  • Improve your credit score. In Colorado, insurance companies can consider your credit score when determining your premiums.
  • Ask about discounts. There are many discounts available for safe drivers, students, anti-theft devices, bundling multiple vehicles, and more.
  • Consider usage-based insurance. If you drive fewer miles, you may qualify for a low-mileage discount.

Following these tips and shopping around at different companies can help you find the most affordable auto insurance in Fort Collins.


The key to finding the cheapest auto insurance in Fort Collins is to compare quotes from multiple companies. Look at the coverage, limits and deductibles you need, then see who offers the best value by factoring in any discounts you may qualify for.

With some searching, you can likely uncover very affordable premiums from a reputable provider.

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