Cheap Car Insurance in Fort Collins, CO

Located in Northern Colorado, Fort Collins is the fourth largest city in the state. It offers outstanding outdoor recreational opportunities and is home to more than 280 miles of trails (plus too many parks to count). Hikers will love Cache la Poudre Canyon and the nearby Rocky Mountain National Park with its rugged splendor, sprawling meadows, and mountainous scenery. Do you like beer? Well, close to 10% of the entire nation’s craft beer is produced in Fort Collins.

All Fort Collins residents who drive must have auto insurance in Colorado. Failure to do so will result in fines and a suspension of your driver’s license and registration until proof of insurance is provided. Keep reading to learn more about Fort Collins auto insurance, including the average rates paid by age/zip code and how you can save on your policy with Freeway Insurance.

In Fort Collins, drivers pay an average monthly premium of $110 for full coverage. It’s a solid deal compared to larger cities like Denver ($140) and Colorado Springs ($140). For the state-required minimum liability, drivers pay an average of $46 per month, which is about the same as the national average of $47.

What Does Full vs Minimum Mean?

Full coverage is liability plus comprehensive and collision. Let’s break that down. Liability insurance consists of bodily injury/death (BI) and property damage (PD). In most states, that’s what your insurance will help you pay for if you cause an accident. But it won’t pay anything for your damages and injuries.

Comprehensive helps pay for repairs to your vehicle after an incident such as hail, a tree falling on it, and theft. Collision helps you pay for repairs to your car (or to someone’s fence) after an accident, no matter whose fault it is. Both of these protections help you pay for damage to your own vehicle.

Minimum is what your state requires you to carry. This is the cheapest insurance in Fort Collins. Here it consists of $25,000 BI for one person, $50,000 BI for all persons in one accident and $15,000 PD. This may sound like a good deal, but if you total someone’s brand new Ferrari, $15,000 isn’t going to go far. The rest will come out of your pocket (or if are successfully sued, seizure of your assets).

You can always increase the required minimum limits.

How Many Fatal Accidents Happen in Fort Collins?

In 2019, there were eight fatal road traffic accidents in Fort Collins involving 11 vehicles and 17 people, including two pedestrians.

How Are the Road Infrastructure and Bridges in Fort Collins, CO?

The city of Fort Collins has an active Public Works department that works to maintain street, bridge and road infrastructure. Some of its responsibilities include installing and maintaining traffic lights, conducting road repairs, and making streets more bicycle-friendly.

For more information on Fort Collin’s Public Works program, visit City of Fort Collins – Community Services.

All Fort Collins, Colorado drivers are required to carry the following minimum liability limits:

Driving without insurance in Fort Collins is not a good idea.

Off the bat, you will be assessed with a Class 1 misdemeanor if caught at a traffic stop without insurance. In addition, expect to pay a minimum $500 fine and a suspended driver’s license and registration until you provide proof of insurance. On top of that, you will be required to file an SR-22 form for three years, proving to the state you are carrying the minimum necessary amount of insurance to drive legally.

Second and subsequent offenders will see even greater fines of up to $1,000 and possibly up to 40 hours of community service. You may also spend anywhere from 10 days to one year in jail, depending on the severity of the offense.

Regardless of the number of times you’re caught driving without insurance, each offense will remove four points from your driving record.

There are many factors that auto insurance companies take into consideration when determining the premiums you pay.

Some of these factors include, but are not limited to, the following:

If you damage someone’s property, such as a fence or a mailbox, while driving in Fort Collins, you’ll be expected to pay for the repairs. This applies, as well, to property owned by the government, such as a public mailbox.

In most cases, your property damage liability will pay up to your policy limits to repair the damaged item. However, the repairs to your own vehicle will only be covered if you have collision insurance.

If the repair costs are greater than your policy limits, you’ll be expected to cover the remainder out of pocket.