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Jerry Data & Research
Cheapest car insurance in Estes Park, Colorado (Apr 2024)
Cheapest car insurance in Estes Park, Colorado (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Estes Park, Colorado.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Jessica Barrett, Senior Car & Insurance Editor
What's on this page?
- How to find the cheapest car insurance in Estes Park
- Best car insurance companies in Estes Park
- Best cheap car insurance quotes in Estes Park
- Average cost of car insurance in Estes Park
- Car insurance quotes in Estes Park by rating factors
- How do different factors impact your car insurance costs in Estes Park?
- Cheap car insurance quotes in Estes Park by age
- How to lower car insurance costs in Estes Park
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Estes Park
Drivers in Estes Park,
Colorado
pay an average of about $57 a month for minimum liability insurance and around $202 a month for full coverage. That’s about the same as the Colorado state average for minimum liability coverage and slightly higher than the state average for full coverage.If you’re looking for affordable
car insurance
in Estes Park, try shopping with Jerry. Jerry does the hard work of comparing quotes from over 55 insurance companies—all you have to do is browse the best offers and choose the plan that works for you.This table shows real quotes that Jerry found for Estes Park drivers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Safeco | $185 | Russell, 40 Zip: 80517 | BMW X5 xDrive35i | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $63 | Sean, 60 Zip: 80517 | Chevrolet Traverse LTZ | • State Minimum Liability |
| Kemper | $138 | Richard, 28 Zip: 80517 | Ford Explorer XLT | • 50,000/100,000 Liability |
| Dairyland | $148 | Matthew, 19 Zip: 80517 | Hyundai Accent GLS | • State Minimum Liability |
Last Updated Apr 16, 2024Best car insurance companies in Estes Park
Car insurance companies set premiums for individual customers by analyzing a number of different factors. But each company has its own formula for calculating those premiums, so your insurance rates can vary widely from one provider to the next.
That’s why comparison shopping is so important—and you might be surprised by what you’ll find when you shop around.
Some drivers may find competitive rates with Colorado’s largest insurers, like State Farm, Progressive, USAA, and GEICO. But Jerry’s industry-leading insurance survey found that when it came to State Farm, Estes Park drivers had mixed reviews, while companies like Safe Auto, Farmers, and Safeco often rated higher for pricing satisfaction.
This table shows the average ratings for some of Colorado’s largest insurers:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.3 | 3.8 | 3.2 | 4 |
| Progressive | 4.1 | 4.2 | 3.4 | 4.2 |
Liberty Mutual | 4 | 3.4 | N/A | 4.4 |
| Farmers | 3.7 | 4.3 | N/A | 4 |
| State Farm | 3.2 | 2.8 | 3.8 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Estes Park
All Estes Park drivers must carry a policy that at least meets the state-mandated
Colorado car insurance requirements
. But it’s important to note that minimum liability insurance
may not fully protect you after an accident, so consider raising your liability limits and adding full coverage to your policy.Cheap minimum liability insurance quotes in Estes Park
Colorado state law requires drivers to carry liability coverage with limits of at least 25/50/15, or:
- $50,000 of bodily injury liability per accident
If you cause an accident, your liability insurance will help cover vehicle repairs and medical bills for the other party or parties.
If a minimum liability policy is all that’s in your budget right now, Jerry can help you find the most affordable rates in Estes Park.
John (60 years old)
$65
per month
Matthew (19 years old)
$148
per month
Do you need more than minimum coverage in Estes Park?
It’s almost always a good idea to increase your liability limits.
Colorado car accident laws
allow the other party to file a personal injury lawsuit up to three years after a collision, and you could be found personally responsible for any costs that your insurance doesn’t cover.If you cause a serious accident, vehicle repairs can easily exceed Colorado’s property damage liability limit of $15,000. And if someone is seriously injured, ongoing medical care can quickly exceed the $25,000 bodily injury liability limit.
How much liability insurance do you need? Most experts recommend choosing liability limits of 50/100/50 or 100/300/100. The additional coverage usually only costs a few extra dollars a month, but it could prove invaluable after an at-fault accident.
Cheap full coverage car insurance quotes in Estes Park
Your liability insurance will help pay for damages that you cause to others, but it won’t pay for repairs to your own vehicle. For that, you’ll need
full coverage
, which combines comprehensive and collision insurance with your liability coverage.- Collision coverage: Helps pay to repair or replace your vehicle after an accident
- Comprehensive coverage: Helps cover your vehicle against theft, vandalism, natural disasters, falling objects, or collisions with an animal
Need to know: If you lease your vehicle or have a
car loan
, your lender will typically require you to carry full coverage as part of your financing terms.Jerry can help Estes Park drivers save, no matter what level of coverage they choose:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $79 | Joe, 41 Zip: 80517 | Fiat 500 POP |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $185 | Russell, 40 Zip: 80517 | BMW X5 xDrive35i |
Last Updated Apr 15, 2024When you shop with Jerry, we’ll organize your quotes into tiers of coverage, ranging from minimum liability coverage to a full-coverage policy with high liability limits and add-ons like roadside assistance.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Estes Park
Jerry has found that the average cost of minimum liability coverage is about $57 a month in Estes Park. Full coverage costs an average of around $202 a month.
But because car insurance costs are so individualized, an average can only give you a general idea of what you might pay. Your age, vehicle, personal information, driving history, location, and chosen coverage options will all play a role in your specific rates, so you could pay more or less than the state average for your policy.
Car insurance quotes in Estes Park by rating factors
Here are a few of the rating factors that Estes Park car insurance companies will consider when setting your rates.
- Driving record: You’ll pay higher premiums if you have a history of traffic violations or at-fault accidents.
- Age: Car insurance companies typically charge higher rates to drivers under the age of 25, with teens paying the highest premiums.
- Vehicle: It typically costs more to carry full coverage on luxury or sports cars than on less expensive, practical vehicles.
- Neighborhood: If you live in an area with high motor vehicle theft rates or more frequent accidents, you’ll probably pay more for your insurance.
- How often you drive: If you rack up more annual miles than the average driver, your insurance company may raise your premiums.
How do different factors impact your car insurance costs in Estes Park?
How do different factors impact your car insurance costs in Estes Park?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Estes Park:
Cheap car insurance quotes in Estes Park after driving violations
Having numerous or serious violations on your
driving record
can lead to a steep increase in your car insurance premiums.Here are some violations that may cause your rates to go up:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Estes Park after speeding ticket
While your rates might not go up much for a single minor
speeding ticket
, if you’re ticketed for going well over the speed limit or you receive multiple speeding tickets in a short time, you’ll likely notice your rates going up. But even if your rates do go up due to a speeding ticket, Jerry may still be able to help you find cheap insurance in Estes Park, CO.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $68 | Jared, 42 Zip: 80517 | Jeep Patriot | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Progressive | $56 | Clayton, 33 Zip: 80517 | Saturn L200 | • 100,000/300,000 Liability |
Last Updated Apr 19, 2024Cheapest car insurance in Estes Park after DUI
If you get a
DUI in Colorado
, you’ll face steep legal penalties, but that’s not the end of it—you’ll also pay much more for your car insurance. But some car insurance companies do specialize in providing coverage to high-risk drivers, so finding affordable insurance in Estes Park after a DUI may still be a possibility. You may need to compare rates from several companies to find the best rate, though.
Fortunately, by comparing insurance quotes with Jerry, you can find the lowest available rates—even if you’ve gotten a DUI.
Richard (28 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Estes Park, CO (Zip Code: 80517)
$138
per month
Cheapest car insurance in Estes Park after an at-fault accident
If you’ve been responsible for one or more accidents, insurance companies will consider you a high-risk driver, and your auto insurance coverage will cost more as a result.
Even if you have a recent at-fault accident on your record, Jerry may be able to help you find cheap auto insurance in Estes Park.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $65 | Gavin, 60 Zip: 80517 | Chevrolet Traverse LTZ | • State Minimum Liability |
Not At Fault | Progressive | $135 | Ethel, 56 Zip: 80517 | Jeep Compass Sport | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $185 | Ian, 40 Zip: 80517 | BMW X5 xDrive35i | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 17, 2024Cheapest car insurance in Estes Park after other driving violations
While speeding tickets, accidents, and DUIs are some of the most well-known violations that can increase your car insurance costs, almost any violation can lead to a premium hike.
But no matter what your driving record looks like, shopping with Jerry is the best way to find cheap auto insurance coverage in Estes Park.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $65 | Hester, 60 Zip: 80517 | Chevrolet Traverse LTZ | • State Minimum Liability |
Last Updated Apr 19, 2024Cheap car insurance quotes in Estes Park by age
Insurance companies generally charge the highest rates to drivers under the age of 25, but
senior drivers
often pay higher rates once they reach their mid-70s as well.Cheapest car insurance in Estes Park for young drivers
Drivers between the ages of 16 and 18 have the least experience behind the wheel, which means they’re more likely to get into an accident. Because of this, teens typically pay the highest car insurance premiums nationwide—although rates usually stay fairly high until a driver reaches the age of 25.
Matthew (19 years old)
$148
per month
Cheapest car insurance in Estes Park for senior drivers
As drivers age, they may experience vision problems, diminished hearing, and slowed reaction times—all of which can make senior drivers more likely to get into an accident. Seniors may also be more likely to suffer more severe injuries if they are involved in a collision, which means the cost of their claims tends to be higher. As a result, drivers in their mid-70s often notice an increase in their car insurance costs.
Cheap car insurance quotes in Estes Park based on insurance history
Letting your
insurance coverage lapse
—even for a short time—is a major red flag to insurance providers. If you’re shopping for car insurance and you’ve recently had a lapse or you’re currently uninsured, you’ll generally pay higher rates than if you’ve had continuous coverage.Jerry can help Estes Park drivers save on car insurance even if they’ve had a lapse in coverage.
Bess (60 years old)
$65
per month
Willie (60 years old)
$63
per month
Olivia (60 years old)
$65
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was kind of skeptical when it came to car insurance with Progressive. Little did I know, their insurance is just as good as their commercials.
Melody
Best prices around
Kendra
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
Good company
April
Cheap car insurance quotes in Estes Park for popular cars
You’ll pay more to insure a car that has higher-than-average claims costs—like if it costs more to repair or replace it, or if that model is frequently stolen or has low safety ratings.
Some of the most popular models among Colorado drivers include:
- Ford F-150
- Chevy Silverado
- Toyota Tacoma
- Subaru Outback
Jerry can help you save on these and other vehicles in Estes Park:
Last Updated Apr 19, 2024How to lower car insurance costs in Estes Park
1. Shop around and compare quotes
Because your insurance costs can vary so much from one insurer to another, it’s important to compare free quotes from at least 3-5 insurance companies before you buy a policy. It’s also a good idea to check for lower rates before your policy renews—usually every six months.
Luckily, comparing quotes is easy with Jerry. Just download the app and fill out your profile, and Jerry will get to work comparing rates from over 55 insurance companies. We’ll send the most competitive offers straight to your app, organized by coverage levels. Just choose the plan that best fits your budget and insurance needs.
2. Hunt for car insurance discounts
All insurers offer
car insurance discounts
that can help you save on your premium. These discounts vary from one provider to the next, but many offer some or all of the following: - Safe driver: You can often save 10–30% on your annual insurance premium by avoiding violations, insurance claims, or accidents.
- Telematics: Some insurance companies allow you to track your driving with a mobile app or telematics app. If you practice safe driving during the tracking period, you may get a discount on your insurance.
- Good student: You may be able to save on your car insurance if you’re a full-time college or high school student with a B average or better.
- Bundling discounts: Many insurers will offer a discount if youbundle your auto insurance policywith your homeowners insurance, renters insurance, or life insurance.
To find out which discounts you might qualify for, check your provider’s website or ask your insurance agent.
3. Increase your deductible for comprehensive and collision coverage
Full coverage requires a deductible, which you select when you purchase your policy. Raising your deductible will lower your premiums—just make sure to choose a deductible you can reasonably expect to pay on short notice in case you need to file a claim.
FAQ
How much is car insurance in Estes Park?
People living in Estes-Park pay on average $57 per month – or $684 per year – on state-minimum liability coverage. Full coverage in Estes-Park costs on average $202 per month or $2,424 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Estes Park?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Mercury, Safe Auto, and Dairyland receive good ratings from Estes Park drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Estes Park?
The state-minimum car insurance in Estes Park, Colorado is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Jessica Barrett
Car Expert
Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit.
Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
