On average, car insurance in Howard costs $148 per month for minimum liability coverage, or about $148 per month for full-coverage insurance. Howard drivers pay 24% less Colorado’s state average.

Smart car insurance shoppers in Howard

Colorado

turn to Jerry, because Jerry makes it easy for customers to

compare and purchase affordable car insurance

Below are some of the cheapest car insurance quotes for customers in Howard.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 29, 2023	Dairyland	$255	Luke, 37 Zip: 81233	Nissan Pathfinder S	• State Minimum Liability • Comp / Collision
September 19, 2023	Kemper	$105	Cecilia, 49 Zip: 81233	Ford F150 Supercrew	• State Minimum Liability • Comp / Collision

Last Updated Sep 29, 2023

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How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Howard

There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best (and cheapest)

car insurance quotes

for every driver.

State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer the most competitive rates for Colorado drivers.

But bigger isn’t always better! State Farm is often named the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.

Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.

Check out how real Jerry users rated various insurance companies below:

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.

Best cheap car insurance quotes in Howard

To legally hit the road in Howard, Colorado, drivers are required to carry set amounts of

liability insurance

. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Howardshould consider purchasing full coverage for the best protection.

Cheap minimum liability insurance quotes in Howard

The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—that means you need at least $25,000 per person and $50,000 per accident in

bodily injury liability coverage

, as well as $15,000 for

property damage liability coverage

per accident.

With this basic liability coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.

Here are some examples of Howard car owners that Jerry has assisted in obtaining minimum liability coverage.

Dairyland

Gordon (37 years old)

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Nissan Pathfinder S

$113

per month

Kemper

Cecilia (49 years old)

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Ford F150 Supercrew

$105

per month

Do you need more than minimum coverage in Howard?

Colorado has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/15 state minimum.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/15 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $50,000, while medical bills can quickly exceed $25,000.

Moreover,

Colorado car accident laws

set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes.

The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.

Cheap full coverage car insurance quotes in Howard

Full coverage car insurance

is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.

Full coverage policies include

comprehensive

and

collision coverage

, in addition to your liability coverage.

Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign.

Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.

If you have a

car loan

, your lender will likely require you to have coverage for physical damages—that is, collision and comprehensive coverage.

Check out what real Jerry users paid for various levels of coverage below:

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Kemper	$105	Cecilia, 49 Zip: 81233	Ford F150 Supercrew
• State Minimum Liability • Comp / Collision	Dairyland	$255	Matilda, 37 Zip: 81233	Nissan Pathfinder S

Last Updated Oct 3, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.

Jerry,

a top insurance agency

, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"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.

Lower my car insurance too!

Average cost of car insurance in Howard

Based on Jerry’s work with drivers in Howard, we’ve found that the average annual cost minimum liability coverage is $1,770 each year. That works out to about $148 per month. For full coverage, Howard drivers typically pay $1,770 per year or $148 per month.

While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.

Car insurance companies look at many different factors when

calculating your annual premiums

, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.

Compare car insurance costs in other states

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Car insurance quotes in Howard by rating factors

Insurance companies in Howard use many rating factors when deciding your auto insurance premium:

Your driving record and claims history: Accidents, tickets, or other traffic violations on your

driving record

could result in higher premiums.

Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.

Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.

How Do Different Factors Impact Your Car Insurance Costs in Howard?

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 Howard:

Cheap car insurance quotes in Howard after driving violations

Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Howard after an at-fault accident

Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure.

If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.

Check out what Jerry drivers paid for car insurance after various types of accidents below:

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$170	Troy, 37 Zip: 81233	Nissan Pathfinder S	• State Minimum Liability
Not At Fault	Progressive	$170	Jean, 37 Zip: 81233	Nissan Pathfinder S	• State Minimum Liability
At Fault With No Injury	Dairyland	$255	Hilda, 37 Zip: 81233	Nissan Pathfinder S	• State Minimum Liability • Comp / Collision

Last Updated Oct 3, 2023

Cheapest car insurance in Howard after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.

Here are some examples of how Jerry has helped other Howard drivers find cheap car insurance despite previous violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Defective Equipment	Progressive	$170	Corey, 37 Zip: 81233	Nissan Pathfinder S	• State Minimum Liability

Last Updated Oct 3, 2023

Cheap car insurance quotes in Howard by age

Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or

senior driver

who falls outside these bounds, here's how to make the most of your age.

Cheap car insurance quotes in Howard based on insurance history

Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.

Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a

lapse in insurance coverage

could lead to being labeled a “high-risk driver,” resulting in higher premiums.

Progressive

Glenn (37 years old)

Currently Insured

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Nissan Pathfinder S

$170

per month

Progressive

Troy (37 years old)

Currently Insured

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Nissan Pathfinder S

$170

per month

Kemper

Effie (49 years old)

Currently Insured

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Ford F150 Supercrew

$105

per month

Kemper

Jeffery (49 years old)

Currently Insured

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Ford F150 Supercrew

$105

per month

Kemper

Howard (49 years old)

Currently Insured

Coverage

State Minimum

Howard, CO (Zip Code: 81233)

Ford F150 Supercrew

$105

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

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Alex

Good company

April

Cheap car insurance quotes in Howard for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance.

The cheapest cars to insure

have low repair costs, great security systems, and excellent safety ratings.

Some of the most popular models among Colorado drivers include the:

Ford F-150

Chevy Silverado

Toyota Tacoma

Subaru Outback

See how Jerry helps drivers save when insuring these models and others in Colorado.

MORE:

What is the driving age in Colorado?

How to lower car insurance costs in Howard

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.

To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.

That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Colorado drivers include:

Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.

Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!

Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.

Bundling discounts:

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car- insurance in Howard?

People living in Howard pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Howard costs on average $148 per month of $1,770 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 Howard?

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 Howard 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 Howard, Colorado?

The state-minimum car insurance in Howard, 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

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

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.