Average car insurance cost in Fort Collins, Colorado

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The average cost of full coverage car insurance in Fort Collins is $2,774 per year, which is $407 less than the state average and $196 more than the national average. American National offers the lowest average rate at $1,332, but your actual premium depends on factors like your age, driving record, and coverage level.

Where you live plays a bigger role than most drivers expect. Insurers price risk by ZIP code, so local factors – traffic density, accident and theft rates, repair costs, weather, and the share of uninsured drivers on the road – all feed into what you pay in Fort Collins. That’s why two drivers with identical records can pay very different rates depending on which side of a city line they live on.

Here’s how Fort Collins’s average premium stacks up against Colorado and national rates:

How much car insurance do you need in Fort Collins?

Liability coverage is necessary to drive legally for drivers in Fort Collins, but full coverage protects more – it pays out for your own vehicle, not just the other driver’s.

With liability only, you’re covered for damage you cause to someone else – but not for your own car. A crash, theft, or a tree branch through your windshield comes straight out of your pocket. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $566 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $654 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for injuries to others and property damage when you’re at fault – but doesn’t cover your own vehicle.
• Full coverage: $2,774 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Fort Collins?

Nobody beats American National’s full coverage price in Fort Collins at $1,332 a year. GEICO comes in second at $1,984. These figures assume limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates swing from company to company, so getting several quotes can help you land on an insurer that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Fort Collins.

Do men or women pay more for car insurance in Fort Collins?

Male drivers in Fort Collins pay $2,739 per year on average, $69 less than female drivers, who pay $2,808 per year.

Insurers in most states are allowed to use gender as a rating factor, though a handful of states – including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania – prohibit it.

According to the Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor that risk difference into premiums, which is why men often pay more for car insurance.

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How does age affect car insurance rates in Fort Collins?

No age group pays more than teens in Fort Collins – $9,184 a year, or $765 monthly. Every year of driving experience chips away at that number – with drivers 20 to 24 averaging at $4,248 annually, drivers 25 to 55 averaging at$2,774, and drivers 60 to 75 averaging at $2,783.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

That gap narrows fast with age. By 20 to 24, drivers pay $4,248 a year – 54% what teens pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Fort Collins?

Since 2023 to 2025, Fort Collins premiums have gone upward, moving by 21%, or $480.

A rising premium is worth a second look. When renewal season comes around, shop around to find a rate that fits your budget.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.