Best Car Insurance in Highlands Ranch 2021

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  • Young Drivers Bad Driving Record
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  • Methodology
Car insurance in Highlands Ranch Colorado costs single-car drivers an average of $2,319.02 annually, or about $193.25 per month. Compared to the state annual average of $2,716.51, auto insurance in Highlands Ranch is $397.49 lower.
Here’s how much real Jerry customers pay for insurance in Highlands Ranch:

Real quotes for Jerry customers in Highlands Ranch, Colorado

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 29, 2021Pontiac G6 GTCO23
Kemper
Custom$100/mo.$72/mo.
April 12, 2021Toyota Avalon XLCO36
Dairyland
Predicted$105/mo.$76/mo.
March 21, 2021Toyota YarisCO21ProgressiveBasic$191/mo.$119/mo.
September 3, 2020Subaru Forester 2.5ICO66TravelersCurrent$172/mo.$132/mo.
May 21, 2021BMW 335 XICO23AllstatePredicted$220/mo.$143/mo.
The best way to secure the right plan for lower premiums in Highlands Ranch is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inHighlands Ranch have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Highlands Ranch, Colorado

Insurance Company
Before Jerry
After Jerry
State Auto
$2,880$1,706
Nationwide$2,801$1,799
Kemper
$2,895$1,907
Dairyland
$2,960$2,237
Allstate$3,378$2,238
Travelers$2,942$2,291
Safeco$3,421$2,677
National General
$5,921$3,770

Minimum coverage car insurance in Highlands Ranch

On average, the cost of minimum coverage car insurance in Highlands Ranch is $840 per year, or $70 per month.

The minimum level of car insurance required in Highlands Ranch is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Highlands Ranch:
Before Jerry
After Jerry
$840$732
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Kemper
$1,200$1,080
Progressive$1,926$1,485
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Full coverage car insurance in Highlands Ranch

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Highlands Ranch:
Before Jerry
After Jerry
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$4,776$3,618
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How does your age affect your auto insurance cost in Highlands Ranch?

If you’re a driver under 25 in Highlands Ranch, you could be paying as much as $56.21 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Highlands Ranch saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
21-24$2,994$2,306
On the contrary, here’s how much drivers aged 25 and over in Highlands Ranch pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,110$2,517
35-44$1,260$1,123
65+$2,059$1,682
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Cheapest car insurance for drivers in Highlands Ranch with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Highlands Ranch saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$1,781$1,404
Here’s how much drivers with a bad driving record in [Highlands Ranch saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Dairyland
$1,260$1,123
Kemper
$1,694$1,330
Travelers$2,059$1,682
Allstate$2,640$1,872
Progressive$3,190$2,599
Safeco$4,528$3,428

Cheapest car insurance for young drivers in Highlands Ranch with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,016$1,572
Here’s how much young drivers with a bad driving record in [Highlands Ranch saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper
$1,200$980
Progressive$2,288$1,736
Allstate$2,640$1,872
Safeco$4,776$3,618
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How can you save money on car insurance in Highlands Ranch

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Highlands Ranch you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 21, 2021BMW 335 XICO23AllstatePredicted$220/mo.$143/mo.
March 21, 2021Toyota YarisCO21ProgressiveBasic$191/mo.$119/mo.
September 3, 2020Subaru Forester 2.5ICO66TravelersCurrent$172/mo.$132/mo.
April 12, 2021Toyota Avalon XLCO36
Dairyland
Predicted$105/mo.$76/mo.
May 29, 2021Pontiac G6 GTCO23
Kemper
Custom$100/mo.$72/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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