Fort Collins, CO Car Insurance
Visiting Colorado State University or exploring Old Town Square? Get covered with Lemonade car insurance in Fort Collins, the smart choice for drivers in the Choice City.
How much does car insurance cost in Fort Collins?
The average estimated cost of Lemonade car insurance in Fort Collins ranges from roughly $160 to $165 per month*, depending on factors like your age, driving history, car type, and location.
Here is a look at rates in other cities in Colorado:
| City | Average monthly premium |
|---|---|
| Colorado Springs | $210 to $215 |
| Greeley | $190 to $195 |
| Aurora | $195 to $200 |
| Lakewood | $190 to $195 |
Source: Value Penguin*
How can I get cheaper car insurance
in Fort Collins, CO?
Lemonade offers Fort Collins drivers loads of opportunities to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits like speed, braking, and making smooth turns can positively impact your premiums.
What’s the best car insurance in Fort Collins?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly right through the app.
What is the minimum car insurance required in Fort Collins?
To meet Colorado car insurance coverage requirements, Fort Collins drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Fort Collins drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/$50,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages
does Lemonade offer in Fort Collins?
Consider adding collision, comprehensive, and uninsured motorist coverage to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreFort Collins, CO Car Insurance FAQ
What car insurance coverage is recommended for Fort Collins' college town risks?
Comprehensive coverage protects Fort Collins drivers from hail and weather damage common in northern Colorado. College town traffic around CSU also increases accident risks requiring full coverage.
How does Fort Collins' student population impact car insurance?
Fort Collins has heavy student traffic around Colorado State University creating congestion. Collision coverage is smart protection against accidents in busy campus areas and college districts.
What happens if I don't have the minimum car insurance coverage required in Fort Collins?
Driving without car insurance in Fort Collins could result in fines of at least $500, license and registration suspension, and up to 4 points on your driving record. You’ll also need to file an SR-22 certificate for three years, pay a $95 reinstatement fee, and even jail time may apply for repeat offenders.
Is Colorado an at-fault state?
Colorado operates under an at-fault system, meaning in Fort Collins, the person responsible for an accident pays for the resulting damages. Payments typically come through insurance or personal means.
How can I lower my car insurance premium in Fort Collins?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Fort Collins that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts, like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Fort Collins get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
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