Cheapest Auto Insurance in Greeley, Colorado (2025)

With an average monthly cost of $139, car insurance in Greeley is a bit less expensive than the Colorado state average of $148.

The area is prone to natural disasters like flooding due to snowmelt from the Rocky Mountains, which can theoretically increase average insurance costs in the area. However, the Front Range — a corridor of the Rockies — has reservoirs that help control the flooding, likely contributing to lower costs.

Comparing quotes from multiple insurers is the best way to find cheap car insurance in Greeley. Here’s what you need to know.

3 of the cheapest car insurance companies in Greeley

Average premiums in Colorado increased by 14% in 2023 compared to the previous year, according to Insurify proprietary data. As you compare quotes to find cheaper coverage, keep in mind that the best auto insurance company for your situation depends on your needs, budget, and driver profile.

Compare three of the best insurers in Greeley below. The average quotes included reflect statewide costs.

Best insurer for low rates: State Farm

Best insurer for veterans: USAA

Best insurer for teens and families: American Family

How to get the cheapest car insurance in Greeley

Driver age, vehicle type, coverage options, driving history, and ZIP code are a few factors that determine how much you pay for car insurance. When quoting your car insurance rate, insurers consider these factors to determine your risk level.

Here are some ways to find affordable insurance coverage in Greeley:

• Look for discounts. Qualifying for discounts is one of the easiest ways to lower your insurance costs. Ask your insurance company about savings for insuring multiple vehicles, maintaining good driving records, or completing defensive driving courses.

• Drive safely. Practice safe driving habits behind the wheel. Avoiding car accidents, speeding tickets, and other traffic violations can help keep rates down.

• Comparison shop. Different companies charge unique rates for the same coverages. Always compare prices from various insurers to find the best deals.

• Understand your coverage needs. Going with the minimum required coverage can save you money on premiums up front, but it might not offer enough protection if you have a significant accident.

Cheapest liability-only car insurance in Greeley: Progressive

Liability-only car insurance covers the damages or injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability. However, it doesn’t cover damages to your vehicle or your personal injuries.

Progressive provides the most affordable liability-only car insurance in Greeley, with monthly rates of $70. 

For more insight into the cost of liability insurance in the city, refer to the average monthly quotes from various insurers in the table below.

Cheapest full-coverage car insurance in Greeley: State Farm

Full coverage goes beyond basic liability to include comprehensive and collision coverage, protecting your vehicle against various types of damage. It’s often the best option if you own a newer or high-value vehicle or want extra peace of mind.

In Greeley, State Farm stands out for affordable full-coverage car insurance, with rates of $100 per month. 

The following table shows how much Greeley insurance companies charge for full-coverage insurance.

Car insurance requirements in Colorado

Auto insurance is mandatory for Colorado drivers. Before you can legally drive your vehicle, you must have liability coverage that includes bodily injury and property damage protection. Colorado law follows a fault system that makes you responsible for injuries and vehicle damage for accidents you cause.

Here are the specific minimum insurance requirements in Colorado:5

Minimum coverage amounts required by the state often aren’t enough to protect you financially, according to the National Association of Insurance Commissioners (NAIC).6 Greeley residents should consider the following additional insurance plans for more financial protection:

Cheapest car insurance for drivers with an incident

An incident refers to a traffic violation on your driving record. If you have an at-fault accident, speeding ticket, or driving under the influence (DUI) charge on your record, insurers view you as having a higher risk for future claims. The city of Greeley has a higher-than-average rate of fatal vehicle crashes when compared to other Colorado cities.7

Insurers charge high-risk drivers more expensive rates. On average, Greeley drivers with a past incident pay $98 per month for liability car insurance. Compare average liability quotes for Greeley residents by driving record below.

Average cost of car insurance by age

Your age is a significant factor in how much you pay for car insurance. Teen drivers face the highest rates, mainly because driving inexperience increases their chance of having an accident. Prices decrease significantly for drivers 35 and older thanks to more experience on the road. But after age 70, senior drivers see rates increase due to aging-related risk factors.

Consider the table below for a better idea of how age affects auto insurance policy costs for Greeley drivers.

Greeley car insurance quotes by credit tier

In Colorado, your credit score can influence your car insurance rates. Insurers use a credit-based insurance score to assess risk but can’t cancel or refuse coverage because of credit alone. Generally, excellent or good credit scores indicate a lower risk to insurers, leading to cheaper insurance premiums for you, while drivers with poor credit scores pay more.

Here’s a look at how full-coverage car insurance quotes in Greeley vary across different credit tiers.

Greeley car insurance FAQs