Car Insurance in Fort Collins, CO

Take a scenic drive throughout northern Colorado knowing you are protected by car insurance in Fort Collins.

Compare, shop and customize quotes from top-rated insurance carriers.

Transportation in Fort Collins

Of Fort Collins's nearly 170,000 residents. approximately 70,768 people live and work in the city. An additional 9,815 individuals enter Fort Collins each day for work. The city encourages alternative transportation and carpooling.

The city of Fort Collins offers a comprehensive bus service with numerous fixed routes through the MAX Bus Rapid Transit system. It includes popular areas where many people work, the University campus and city park-and-ride lots.

Even if you use public transit to get to and from work, you may still want to use your car to enjoy the many attractions in the surrounding area. A short 75-minute drive can put you in Rocky Mountain National Park or downtown Denver, depending on your mood. Let VIU by HUB help you find car insurance in Fort Collins for wherever you go.

Colorado Car Insurance Requirements

Like most other states, Colorado has minimum insurance requirements. These help ensure that every driver on the road has enough coverage to pay for injuries or damage if they cause an accident. With very limited exceptions, Colorado drivers must maintain a policy with at least the following liability limits:

$25,000 per person, per accident for bodily injury or death
$50,000 per accident for bodily injury or death to all persons involved
$15,000 per accident for property damage

Drivers should view these minimums as exactly that. You are financially responsible for any damages beyond those limits. For that reason, many drivers choose higher liability coverage. It is also why some companies may require you to carry higher limits, such as $100,000/$300,000/$100,000.

Car Insurance Coverages in Fort Collins

Liability insurance is only one component of your policy.

Uninsured/Underinsured motorists: This insurance pays for your injuries or property damage if a driver with no or insufficient insurance hits you. Colorado law requires insurers to offer this coverage at limits equal to your bodily injury liability coverage. You can elect to decline it in writing.
Medical payments: Colorado insurers must offer you medical payment coverage of at least $5,000 when you take out a new policy. You must reject the coverage in writing if you do not want it.
Collision: This pays for damages to your car after an at-fault accident.
Comprehensive: This pays for damages from non-collision-related claims, such as hail, theft or hitting an animal.

Average Cost of Fort Collins Car Insurance

The average cost of full coverage car insurance in Fort Collins with liability limits of $100,000/$300,000/$100,000 is $847. This is about $150 lower than the state average and substantially lower than national averages. However, your policy may cost more or less depending on underwriting criteria.

Location is only one of the factors underwriters consider when determining risk (and your auto insurance premium). Your driving record and experience level, the length of your daily commute and the type of car you drive are all considerations. Therefore, the following actions can potentially help you save on a car insurance policy in Fort Collins:

Drive safely to avoid tickets and accidents
Maintain a healthy credit score
Take a driver safety or defensive driving course
Carpool to limit the number of miles you drive annually
Increase your deductibles
Compare rates from multiple insurance companies to find the best one

Comparing rates from multiple companies is one of the easiest ways to save on car insurance in Fort Collins without sacrificing coverage. Our agents at VIU by HUB will present you with several quotes so you can find the one that best fits your life situation.

This information is intended for general informational purposes only and is not intended to constitute legal advice.