Best Cheap Car Insurance in Snowmass Village, Colorado 2022

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WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Snowmass Village pay an average of $1,398 annually for car insurance. That’s about $117 per month to insure your car.
Located just a few miles away from Aspen, Snowmass Village is an idyllic place to live in Colorado for anyone that enjoys outdoor adventures like skiing, snowshoeing, hiking, biking, and horseback riding. Residents enjoy a low crime rate and a family-friendly community that rallies around fun events like the town rodeo, free music concerts, and the annual Mardi Gras celebration. There aren’t many downsides to living in Snowmass Village—except for the above-average housing costs. One way to help offset the cost of housing is by using the Jerry.

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Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Colorado, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Snowmass Village

There’s no single company that offers the best rate to everyone in Snowmass Village . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Snowmass Village :
Insurance Company
Average Cost
Annual Savings with Jerry
Nationwide$4,702$2,684Compare Prices
State Auto$4,702$2,589Compare Prices
Progressive$3,089$1,316Compare Prices
Safeco$2,499$1,035Compare Prices
Dairyland$1,398$222Compare Prices

Check out insurance company reviews from real Jerry customers:

Kody
Easy to set up account and auto pay
Kristine Looney
Coverage is a great price the staff is amazing
Rachelle
For the most part it was not bad. I found a better deal so I left.
Miranda
Have been with the company for a few months and so they have provided everything we needed including lower rates, and their customer service is top notch
Cyndi
I've been a USAA member my whole life and have had good experiences. They are helpful and attentive. I would say that their roadside assistance program is a little too communicative. I'd get 4 messages - phone, text - within 2 minutes with updates/confirmations of someone coming to help me. And it would happen during the workday (dead battery in the driveway) so it was frustrating. Guess it's better than the alternative!
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
December 11, 2021Chevrolet Silverado K1500 LT81615Glenn B.47Dairyland$110/mo.$75/mo.
January 27, 2022Toyota Tacoma Double Cab Long Bed81615Micheal B.52Safeco$123/mo.$112/mo.
September 29, 2020Mazda CX-9 Grand Touring81615Blanche W.23Nationwide$392/mo.$168/mo.
24 people from Jerry switched with Jerry to National General in the past 7 days.
Last updated 2 hours ago
Frances from Snowmass Village switched with Jerry to First American and saved $968
3 hours ago
Aaron from Windsor switched with Jerry to The General and saved $1439
42 minutes ago

How much does car insurance in Snowmass Village cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Snowmass Village:
How do Snowmass Village insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Snowmass Village so expensive. The graph below shows how much Colorado drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Colorado require?
In Colorado, drivers need $25,000 for bodily injury liability per person, $50,000 of bodily injury liability for each accident, and $15,000 of property liability for each accident. These requirements are known as the 25/50/15 rule.
If you’re involved in a situation with the police, make sure you show proof of insurance coverage, a driver’s license, and registration. Drivers will need to have proof of insurance for vehicle registration as well.
No, Colorado is not a no-fault state—Colorado is an at-fault state. In the event of an accident, the responsible driver is considered “at-fault” and is liable for damages, which they usually pay through insurance.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Snowmass Village

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Snowmass Village with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,253$1,628
Careless Driving$1,476$51

Snowmass Village driving violation FAQ's

How much is car insurance in Snowmass Village with a DUI?

If you have a DUI on your record, your car insurance premium in Snowmass Village could increase by as much as 29%.

How much does your car insurance increase after a speeding ticket in Snowmass Village?

If you’re caught speeding through Snowmass Village and end up with a ticket, you can expect to see your insurance rate jump by about 32%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Snowmass Village by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Snowmass Village for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Snowmass Village based on your age? Check out the table below.

Car insurance in Snowmass Village for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Snowmass Village. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Colorado—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Snowmass Village neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Snowmass Village.
Car
Average Cost
Annual Savings with Jerry
Ram 1500 SLT$3,086$923
Toyota Tacoma Double Cab$3,031$881
Nissan Rogue S$2,631$880
Jeep Grand Cherokee Laredo$2,458$785
Ford Fusion SE$2,567$782

Snowmass Village car FAQ's

More people in Snowmass Village drive a Mazda Cx-9 Grand Touring than any other car! On average, these drivers pay $2,065 for their auto insurance.

What is the most expensive car to insure in Snowmass Village?

At an average of $2,065 per year, a Mazda Cx-9 Grand Touring is the most expensive car to insure in Snowmass Village. If you drive one, we’re sorry.

Car insurance cost based on where you live in Snowmass Village:

Now, we’ve been talking about “drivers in Snowmass Village” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Snowmass Village, drivers in the -- zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 81615 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
December 11, 202181615Chevrolet Silverado K1500 LTCOGlenn B.47Dairyland$110/mo.$75/mo.
January 27, 202281615Toyota Tacoma Double Cab Long BedCOMicheal B.52Safeco$123/mo.$112/mo.
September 29, 202081615Mazda CX-9 Grand TouringCOBlanche W.23Nationwide$392/mo.$168/mo.

How can you save money on car insurance in Snowmass Village?

Let’s face it: living in Snowmass Village means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Snowmass Village.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
     
    Snowmass Village drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
     
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
     
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
     
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Colorado—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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