Car Insurance in Greeley, Colorado
Estimated full coverage in Greeley runs about $1,935 a year ($161/month) — ▲ +6% versus the Colorado average, ranking 9th most expensive of the 13 Colorado cities we cover.
Why car insurance in Greeley costs more than the Colorado average
Insurers price by territory, and Greeley's numbers explain most of the gap. With 114,363 residents on 50.1 square miles, the city's density (2,281 people per square mile) is 3.6 times the density where the typical Colorado resident lives (640). The average commute is 24.3 minutes (Colorado: 25.2), and 73% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision.
| Factor | Greeley | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 2,281 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.3 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 11.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 72.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 8.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 94.4 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Greeley
Rates can change from one ZIP code to the next. Across 2 Greeley ZIP codes, our full-coverage estimate ranges from $1,780 in 80631 to $1,920 in 80634. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 80634 | 65,622 | 1,712 | 25.3 min | 4.5% | $1,920 | −1% |
| 80631 | 53,722 | 519 | 23.2 min | 6.7% | $1,780 | −8% |
Minimum car insurance in Greeley
Greeley drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Greeley at $695 a year, and $1,005 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Greeley premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Weld County as relatively high for hail, relatively moderate for inland flooding and relatively high for strong wind.
Traffic & commuting
11.0% of Greeley commuters spend an hour or more getting to work, and there are 1.95 vehicles per household. 8.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.1 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.0 | Comprehensive; dwelling | |
| Winter weather | 93.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Greeley by driver profile
A clean-record driver in their 50s pays the least in our Greeley model (about $1,780 for full coverage); an 18-year-old on their own policy pays about $5,320, and a DUI pushes a 30-something to $3,575.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,905 | $2,765 | $5,320 | $443 |
| Young adult (22) | $1,110 | $1,610 | $3,095 | $258 |
| Adult in their 30s | $695 | $1,005 | $1,935 | $161 |
| Adult in their 50s | $640 | $925 | $1,780 | $148 |
| Senior (72) | $775 | $1,125 | $2,165 | $180 |
| 30s, one at-fault accident | $1,005 | $1,455 | $2,805 | $234 |
| 30s, DUI on record | $1,280 | $1,860 | $3,575 | $298 |
Minimum vs. standard vs. full coverage in Greeley
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $695 | $58 | $570–$820 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,005 | $84 | $825–$1,185 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,935 | $161 | $1,585–$2,280 |
Estimate your premium in Greeley
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Cheap car insurance in Greeley: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Greeley's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $130 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $135 | You're among the 8.9% of Greeley workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $510 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $930 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $425 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Greeley
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 32 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Greeley, our estimates differ by up to $140 a year between neighborhoods.
Car insurance agents near Greeley, CO
We found 32 insurance offices within about 5 miles of central Greeley, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Jamie Hill - State Farm
965 59th Ave., Unit A, Greeley, CO 80634 -
Bryan Allshouse Agency Inc
1801 59th Ave, Ste 202, Greeley, CO 80634 -
James William Seela - Farmers Insurance
1715 61st Ave, Greeley, CO 80634 -
Mary Bengford - American Family Insurance
5601 19th St, Ste B, Greeley, CO 80634 -
State Farm
4895 West 10th Street, #C, Greeley, CO 80634 -
Kaan Inceoglu - State Farm
1823 65th Ave, Suite 1, Greeley, CO 80634 -
Matt Chafin - State Farm
4681 West 20th Street, Suite 204, Greeley, CO 80634 -
Christopher Musa - Allstate
4657 W 20th St, Unit D, Greeley, CO 80634 -
Mcallaster Miller - American Family Insurance
4650 W 20th St, Ste C, Greeley, CO 80634 -
Justin Martinez - State Farm
7251 W 20th Street, Unit D2, Greeley, CO 80634 -
Nick Burgard - State Farm
7251 W 20th Street, Suite J-1, Greeley, CO 80634 -
Katie Rae Gale - Farmers Insurance
361 71st Ave, Greeley, CO 80634 -
Robert Aguilar Agency INC
3810 W 10th St, Ste A2, Greeley, CO 80634 -
Fowler Insurance Partners
929 38th Avenue Ct, Ste 105, Greeley, CO 80634 -
Melissa McDonald - State Farm
3626 W 10th St, Greeley, CO 80634 -
Farmers Insurance
3527 West 12th Street, #113, Greeley, CO 80634 -
American Family Insurance
922 36th Avenue, Greeley, CO 80634 -
Bicknell Insurance, Inc.
4239 Centerplace Drive, #2A, Greeley, CO 80634 -
Everett Gonzales - State Farm
3400 W 16th ST, Bldg 6 STE L, Greeley, CO 80634 -
Ronald Williams - Farmers Insurance
3400 W 16th St Bld 6, Greeley, CO 80634 -
Susan Ann Mcclain - Farmers Insurance
8207 W 20th St, Greeley, CO 80634 -
Erick Rodriguez - American Family Insurance
2028 35th Ave, Ste B, Greeley, CO 80634 -
Joseph Unruh - American Family Insurance
3011 W 10th St, Ste 112, Greeley, CO 80634 -
Oralia Lozano - Farmers Insurance
1221 28th Ave, Greeley, CO 80634 -
Michael Hepler - Farmers Insurance
1770 25th Ave, Greeley, CO 80634 -
Quinones Agency
2986 W 29th St, Greeley, CO 80631 -
LSI Insurance Agency
2015 9th Street, Greeley, CO 80631 -
Maria Barrientos-Hegan - American Family Insurance
3620 35th Ave, Unit 5, Evans, CO 80620 -
Fred Loya Insurance
CO -
Isaac Williams - State Farm
2529 11th Avenue, Greeley, CO 80631 -
Chris Lucio - Allstate
1221 8th Ave, Ste B, Greeley, CO 80631 -
Cristobal Vasquez - Farmers Insurance
801 8th St, Greeley, CO 80631
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Greeley
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,455 | −25% |
| Subaru Outback | Wagon | $1,470 | −24% |
| Tesla Model 3 | Midsize car | $1,980 | +2% |
| Subaru Forester | Small SUV | $1,435 | −26% |
| Honda Civic | Compact car | $2,165 | +12% |
| Toyota Corolla | Compact car | $2,040 | +5% |
| Jeep Wrangler | Midsize SUV | $1,590 | −18% |
| Mazda CX-5 | Small SUV | $1,620 | −16% |
| MINI Cooper | Subcompact car | $1,460 | −25% |
| Tesla Model Y | Midsize SUV | $1,780 | −8% |
Car insurance in nearby Colorado cities
- Fort Collins $1,875/yr · 18 mi
- Longmont $1,980/yr · 24 mi
- Boulder $1,880/yr · 37 mi
- Thornton $2,105/yr · 39 mi
- Westminster $2,030/yr · 40 mi
- Arvada $2,000/yr · 46 mi
- Denver $2,030/yr · 46 mi
- Aurora $2,020/yr · 47 mi
- Lakewood $2,005/yr · 53 mi
- Centennial $2,015/yr · 57 mi
- Colorado Springs $1,915/yr · 107 mi
- Pueblo $1,815/yr · 149 mi
All Colorado cities and state rules · Homeowners insurance in Greeley
Frequently asked questions
How much is car insurance in Greeley, CO?
We estimate full coverage in Greeley at about $1,935 a year ($161 a month) for a driver in their 30s with a clean record, and about $695 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Greeley more expensive than the Colorado average?
Our Greeley estimate is 6% higher than the statewide figure. The model reflects a population density of 2,281 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 24.3 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Greeley?
Drivers in Greeley follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Greeley has the cheapest car insurance?
Among Greeley's 2 ZIP codes, 80631 has the lowest estimate (about $1,780 a year for full coverage) and 80634 the highest (about $1,920), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Greeley?
An 18-year-old with their own full-coverage policy would pay around $5,320 a year in Greeley by our estimate ($1,905 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Greeley?
Yes. FEMA's National Risk Index rates Weld County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Greeley?
We list 32 insurance offices in and around Greeley, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Greeley and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places