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The average annual cost of auto insurance in Greeley is $ 492 for basic liability coverage and $ 1,826 for full coverage auto insurance. Greeley saw a increase in accidents and fatalities in the summer of 2020, after pandemic closures eased and more people got back on the road. Investigators found that many of the deaths were due to impaired driving. The best car insurance in Greeley does not protect you against accidents, but at least provides financial compensation for damages and injuries.
There are ways to find cheaper coverage by choosing the right carrier and knowing the discounts available. To help you, we’ve compared the best carriers in town based on rates, customer reviews, and what they offer to bring you the cheapest car insurance in Greeley.
Best Car Insurance Companies in Greeley
The following companies are a combination of cheap car insurance rates in Greeley and good customer reviews. We looked at customer reviews from a variety of sources, including the JD Power Auto Insurance Study, to get an overview of what policyholders have to say about their auto insurance companies.
| Insurance company | JD Power Score | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| American National | NR | $ 202 | $ 704 |
| Geico | 834 / 1,000 | $ 278 | $ 935 |
| barn | NR | $ 298 | $ 1,686 |
| Car owners | NR | $ 380 | $ 1,599 |
American National
American National is Greeley’s cheapest auto insurance company and well below the city average with rates of just $ 202 / $ 704 per year. Basic coverage is less than $ 17 per month. Upgrading to full coverage costs less than $ 60 per month. While US national insurance is inexpensive, you won’t miss out on insurance options. The carrier offers gap insurance, roadside assistance, and an additional coverage rider to pay for replacement parts when your vehicle suffers a covered loss.
Geico
Geico is well known for providing quality car insurance at low prices. The carrier is the only one of the four insurance companies to rank in the JD Power study for the region, ranking second for customer satisfaction. You’ll find coverage for vehicles of all ages, from new to classic, as well as carpooling insurance if you work as a delivery or drive for companies like Lyft and Uber. Part of the reason Geico is one of the cheapest is the 16 discounts available for students, certain trades, safe driving, customer loyalty and vehicle equipment, among others.
barn
Barn insurance is ideal for drivers on a tight budget looking for basic coverage. Keep in mind that minimum insurance is all you need to legally drive, but does not provide any coverage for your vehicle if it is damaged or declared loss. If you are driving an older vehicle, basic coverage may be sufficient. You can always extend your base policy by adding a full glass repair or an original equipment manufacturer (OEM) to use original parts for your car’s covered repairs.
Car owners
Auto owners insurance is available from 20 dedicated and independent agents in Greeley. Vehicle owners looking for special coverage for newer makes and models may like what the carrier has to offer. Replacing a new car will exchange your totaled vehicle with a new version. Choosing the Personal Automobile Plus plan requires guessing how much insurance you need. It includes ten types of coverage, including identity theft protection, key change, and cell phone insurance.
The cheapest auto insurance in Greeley
Bankrate’s Average Cost of Auto Insurance Study reports that Colorado drivers pay $ 2,016 per year for full auto insurance. Greeley’s average of $ 1,826 is lower than what neighboring towns pay and can be even cheaper depending on which carrier you choose.
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Geico | $ 278 | $ 935 |
| United States | $ 304 | $ 1,190 |
| Car owners | $ 380 | $ 1,599 |
| State farm | $ 442 | $ 1,513 |
| Farmers | $ 447 | $ 1,624 |
Geico and USAA compete for the lowest fares in Greeley. The main difference between the two companies is availability. USAA is only available to military personnel, veterans, and their families. Auto owners, state farms, and farmers all excel when it comes to comprehensive auto insurance. They provide full coverage to residents of Greeley who drive newer vehicles. If you prefer to work with a local agent, State Farm, Auto-Owners, and Farmers have offices in town.
Greeley Insurance Requirements
All you need to legally drive in Greeley is to follow Colorado’s requirements for vehicle owners. The states minimum car insurance are:
- $ 25,000 for death / bodily injury per person per accident
- $ 50,000 total for accidental death / personal injury
- $ 15,000 for property damage per accident
Additionally, Colorado allows drivers to self-insure. If you are over 25, you can apply for a certificate of self-insurance from the state insurance commissioner. Keep in mind that self-insurance or minimum liability coverage can put you at financial risk. Liability insurance only pays for damage caused to third parties. If your car is damaged or damaged in a at-fault accident, only comprehensive auto insurance will cover the repair or replacement of your vehicle.
Discounts on car insurance in Greeley
Comparing quotes from several car insurance companies in the area is a great way to find inexpensive coverage. You can also potentially pay less by taking advantage of discounts from carriers such as:
- Driver monitoring: Some auto insurance companies have programs that can offer you a discount in exchange for tracking your driving. You usually need to register and download an app that tracks your driving. Based on the data, you can benefit from reductions on your premiums due.
- Grouping: Almost 60% of Greeley’s residents own a home. Buying home and auto insurance from the same company can give you discounts on both coverages.
- Low mileage: Greeley is work on the extension of cycle paths throughout the city to encourage residents to get out of their cars more often. You could end up paying less for coverage if you choose to find other ways to get to work.
- Good student: High school and college students can get relief from high insurance premiums depending on their age. Students with a certain GPA can benefit from a good student discount.
Frequently Asked Questions
What is the best auto insurance company?
According to Bankrate, the best auto insurance companies in Greeley, Colorado, based on low rates and coverage options, are American National and Geico. They both offer the lowest rates in town for minimal and comprehensive auto insurance.
How Much Car Insurance Do I Need in Greeley, Colorado?
All owners of Greeley vehicles must have liability insurance of at least $ 25,000 per person and $ 50,000 per accident in bodily injury and death, plus $ 15,000 in property damage coverage.
How much does car insurance cost in Greeley?
The average cost of auto insurance in Greeley is $ 492 for basic insurance and $ 1,826 for full coverage.
Methodology
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.
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