Car insurance rates in Fort Collins October 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- American National provides the cheapest liability coverage at $20 per month in Fort Collins.
- American National offers the cheapest rates for full coverage insurance in Fort Collins at $56 per month.

Read on to learn more about car insurance price trends in Fort Collins. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Fort Collins

For drivers looking to meet Fort Collins minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Fort Collins
#1. American National: $20
#2. Colorado Farm Bureau: $22
#3. American National P&C: $24
#4. Farm Bureau: $30
#5. California Casualty: $32

Cheap full coverage in Fort Collins

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Fort Collins
#1. Colorado Farm Bureau: $56
#2. American National P&C: $62
#3. Auto-Owners Insurance Co: $93
#4. Acuity: $101
#5. Colorado Farm Bureau Mutual: $118

Impact of traffic violations on Fort Collins auto insurance rates

In Fort Collins, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Fort Collins may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Fort Collins after common driving violations.

- No violation: $203
- Not-at-fault accident: $207
- Failure to wear a seat belt: $227
- Speeding 6 - 10 MPH over limit: $250
- Speeding 21 - 25 MPH over limit: $278
- DUI: $365
- Reckless driving: $353
- Driving with a suspended license: $320
- Leaving scene of an accident/hit and run: $379