- Average car insurance cost in Fort Collins is $2,382 per year, or about $199 per month, for a full-coverage policy.
- Fort Collins auto insurance averages $220 per year less than the Colorado state average cost and $161 per year more than the average for all 50 states.
- Models like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Volkswagen Tiguan are the top picks for cheap car insurance in Fort Collins.
- A few vehicles with the cheapest auto insurance in their segment include the Kia K5 at $2,292 per year, Toyota GR Corolla at $2,068 per year, Subaru Crosstrek at $1,758 per year, and Jaguar E-Pace at $2,226 per year.
How much does car insurance cost in Fort Collins?
The average cost to insure a vehicle in Fort Collins is $2,382 per year, which is 7% more than the U.S. overall average rate of $2,221. The average monthly cost of car insurance in Fort Collins is $199 for a full coverage policy.
Average car insurance cost in Colorado is $2,602 per year, so Fort Collins, Colorado, drivers pay an average of $220 less per year than the overall Colorado state-wide average rate. When rates are compared to other locations in Colorado, the average cost of auto insurance in Fort Collins is about $470 per year cheaper than in Aurora, $454 per year less than in Lakewood, and $400 per year less than in Denver.
Driver age is one of the biggest factors in determining the price of auto insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in Fort Collins based on the age of the driver.
Average car insurance cost for Fort Collins, Colorado, drivers age 16 to 60
- 16 year old – $8,477 per year or $706 per month
- 17 year old – $8,211 per year or $684 per month
- 18 year old – $7,361 per year or $613 per month
- 19 year old – $6,702 per year or $559 per month
- 20 year old – $4,788 per year or $399 per month
- 30 year old – $2,540 per year or $212 per month
- 40 year old – $2,382 per year or $199 per month
- 50 year old – $2,110 per year or $176 per month
- 60 year old – $1,976 per year or $165 per month
The next chart shows average Fort Collins, Colorado, car insurance cost for all 2024 models. Rates are averaged for all Fort Collins Zip Codes and shown by driver age and policy deductible limits.
Average rates in the chart above range from $1,670 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $5,568 per year for a 20-year-old driver with $250 deductibles. Throughout this article, the rate used for comparison of different models and locations is a 40-year-old driver with $500 deductibles for comprehensive and collision coverage, which has an average cost of $2,382 per year.
As a monthly cost, average car insurance cost in Fort Collins ranges from $139 to $464 for the same annual rate data shown in the chart above.
Fort Collins car insurance rates vary considerably and subtle changes in driver risk profiles can have significant effects on car insurance cost. The likelihood of a wide range of rates increases the need to get accurate auto insurance quotes when shopping online for cheaper car insurance.
Which autos have the cheapest car insurance in Fort Collins?
The vehicles with the lowest cost average car insurance quotes in Fort Collins tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Nissan Kicks.
Average auto insurance quotes for those crossover SUVs cost $1,934 or less per year ($161 per month) for full coverage car insurance.
A few other models that are ranked high in our insurance cost comparison are the Volkswagen Tiguan, Volkswagen Taos, Buick Envista, and Honda CR-V.
Average rates are a few dollars per month higher for those models than the crossover SUVs at the top of the rankings, but they still have an average insurance cost of $2,072 or less per year, or $173 per month.
The following table details the top 40 cheapest vehicles to insure in Fort Collins, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,758 | $147 |
| 2 | Chevrolet Trailblazer | $1,788 | $149 |
| 3 | Kia Soul | $1,856 | $155 |
| 4 | Nissan Kicks | $1,872 | $156 |
| 5 | Honda Passport | $1,896 | $158 |
| 6 | Buick Envision | $1,906 | $159 |
| 7 | Toyota Corolla Cross | $1,918 | $160 |
| 8 | Hyundai Venue | $1,934 | $161 |
| 9 | Mazda CX-5 | $1,942 | $162 |
| 10 | Ford Bronco Sport | $1,948 | $162 |
| 11 | Volkswagen Tiguan | $1,970 | $164 |
| 12 | Acura RDX | $1,988 | $166 |
| 13 | Nissan Murano | $2,000 | $167 |
| 14 | Buick Encore | $2,020 | $168 |
| 15 | Subaru Outback | $2,026 | $169 |
| 16 | Honda CR-V | $2,028 | $169 |
| 17 | Buick Envista | $2,034 | $170 |
| 18 | Volkswagen Taos | $2,038 | $170 |
| 19 | Kia Niro | $2,050 | $171 |
| 20 | Toyota GR Corolla | $2,068 | $172 |
| 21 | Subaru Ascent | $2,070 | $173 |
| 22 | Honda HR-V | $2,072 | $173 |
| 23 | Nissan Leaf | $2,084 | $174 |
| 24 | Chevrolet Colorado | $2,096 | $175 |
| 25 | Honda Civic | $2,106 | $176 |
| 26 | Lexus NX 250 | $2,106 | $176 |
| 27 | Volkswagen Atlas | $2,110 | $176 |
| 28 | Acura Integra | $2,114 | $176 |
| 29 | Subaru Forester | $2,118 | $177 |
| 30 | Volkswagen Atlas Cross Sport | $2,120 | $177 |
| 31 | Kia Seltos | $2,126 | $177 |
| 32 | GMC Terrain | $2,130 | $178 |
| 33 | Nissan Rogue | $2,138 | $178 |
| 34 | Hyundai Kona | $2,142 | $179 |
| 35 | Mazda CX-30 | $2,146 | $179 |
| 36 | Cadillac XT4 | $2,148 | $179 |
| 37 | Ford Explorer | $2,158 | $180 |
| 38 | Volkswagen ID4 | $2,158 | $180 |
| 39 | Toyota Highlander | $2,166 | $181 |
| 40 | Ford Escape | $2,170 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 26, 2025
The above table containing 40 vehicle models with cheap Fort Collins car insurance is great if you just want the lowest rates. A more efficient way to examine auto insurance rates for different vehicles is by organizing them by the segment they belong to.
The next section discusses the average cost of car insurance in Fort Collins for each different automotive segment. The average rates shown should provide a decent idea of which automotive segments have the overall most affordable auto insurance rates in Fort Collins. The sections following the chart rank the models with the most affordable auto insurance in the more popular segments.
Fort Collins auto insurance rates by automotive segment
When shopping for a new or used vehicle, it’s useful to have an idea of which styles of vehicles are more affordable to insure. For example, some people wonder if compact SUVs have cheaper insurance than compact cars or which size of SUV has more affordable insurance.
The next chart shows average car insurance cost by vehicle segment in Fort Collins. In general, compact SUVs and midsize pickup trucks tend to have the least expensive rates, with high-performance exotic models having the highest car insurance rates.
Rates by automotive segment are good enough to make an overall comparison, but the insurance cost for specific vehicles ranges substantially within each of the segments displayed in the previous chart.
For example, in the small luxury car segment, auto insurance rates in Fort Collins range from the Acura Integra costing $2,114 per year for a full coverage policy to the BMW M340i at $2,906 per year, a difference of $792 within that segment. For another example, in the sports car segment, average rates range from the Mazda MX-5 Miata at $2,202 per year up to the Mercedes-Benz SL 63 at $4,890 per year.
In the sections going forward, we eliminate a lot of this variability by comparing the cost of car insurance in Fort Collins for specific vehicles rather than by segments.
Cheapest car insurance rates in Fort Collins
Out of all 2024 models, the top five lowest-cost sedans and hatchbacks to insure in Fort Collins are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average rates for for these five models range from $2,068 to $2,188 per year.
Not the cheapest, but still very affordable, are models like the Chevrolet Malibu, Toyota Prius, Kia K5, and Honda Accord, with an average car insurance cost of $2,318 per year or less.
Car insurance rates for this segment in Fort Collins can cost as low as $172 per month, depending on your location.
The cheapest compact car to insure in Fort Collins is the Toyota GR Corolla at $2,068 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,292 per year. And for full-size sedans, the Chrysler 300 has the best rates at $2,264 per year.
The rate comparison table below ranks the twenty cars with the most affordable average car insurance rates in Fort Collins, starting with the Toyota GR Corolla at $2,068 per year ($172 per month) and ending with the Mazda 3 at $2,462 per year ($205 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,068 | $172 |
| Nissan Leaf | Compact | $2,084 | $174 |
| Honda Civic | Compact | $2,106 | $176 |
| Nissan Sentra | Compact | $2,180 | $182 |
| Subaru Impreza | Compact | $2,188 | $182 |
| Toyota Prius | Compact | $2,224 | $185 |
| Kia K5 | Midsize | $2,292 | $191 |
| Honda Accord | Midsize | $2,296 | $191 |
| Chevrolet Malibu | Midsize | $2,310 | $193 |
| Toyota Corolla | Compact | $2,318 | $193 |
| Kia Forte | Compact | $2,324 | $194 |
| Volkswagen Arteon | Midsize | $2,338 | $195 |
| Nissan Versa | Compact | $2,346 | $196 |
| Subaru Legacy | Midsize | $2,350 | $196 |
| Hyundai Ioniq 6 | Midsize | $2,368 | $197 |
| Mitsubishi Mirage G4 | Compact | $2,404 | $200 |
| Toyota Crown | Midsize | $2,408 | $201 |
| Volkswagen Jetta | Compact | $2,408 | $201 |
| Hyundai Sonata | Midsize | $2,414 | $201 |
| Mazda 3 | Compact | $2,462 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Fort Collins car insurance quotes from top-rated auto insurance companies in Colorado.
Cheapest SUVs to insure in Fort Collins
The cheapest SUVs to insure in Fort Collins are the Subaru Crosstrek at $1,758 per year, the Chevrolet Trailblazer at $1,788 per year, and the Kia Soul at $1,856 per year.
Other models that have affordable average insurance rates are the Mazda CX-5, Toyota Corolla Cross, Ford Bronco Sport, and Hyundai Venue, with an average cost of $1,948 per year or less.
As a cost per month, auto insurance in Fort Collins on this segment for a safe driver starts at an average of $147 per month, depending on your location and insurance company.
The most budget-friendly non-luxury compact SUV to insure in Fort Collins is the Subaru Crosstrek at $1,758 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,896 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,234 per year.
The rate comparison table below ranks the SUVs with the cheapest insurance rates in Fort Collins.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,758 | $147 |
| Chevrolet Trailblazer | Compact | $1,788 | $149 |
| Kia Soul | Compact | $1,856 | $155 |
| Nissan Kicks | Compact | $1,872 | $156 |
| Honda Passport | Midsize | $1,896 | $158 |
| Buick Envision | Compact | $1,906 | $159 |
| Toyota Corolla Cross | Compact | $1,918 | $160 |
| Hyundai Venue | Compact | $1,934 | $161 |
| Mazda CX-5 | Compact | $1,942 | $162 |
| Ford Bronco Sport | Compact | $1,948 | $162 |
| Volkswagen Tiguan | Compact | $1,970 | $164 |
| Nissan Murano | Midsize | $2,000 | $167 |
| Buick Encore | Compact | $2,020 | $168 |
| Subaru Outback | Midsize | $2,026 | $169 |
| Honda CR-V | Compact | $2,028 | $169 |
| Buick Envista | Midsize | $2,034 | $170 |
| Volkswagen Taos | Compact | $2,038 | $170 |
| Kia Niro | Compact | $2,050 | $171 |
| Subaru Ascent | Midsize | $2,070 | $173 |
| Honda HR-V | Compact | $2,072 | $173 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see rates for your SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Fort Collins car insurance quotes from the best auto insurance companies in Colorado.
Cheapest pickups to insure in Fort Collins
Ranking highest for the most affordable Fort Collins auto insurance rates in the pickup truck segment are the Chevrolet Colorado, Nissan Titan, Ford Maverick, Nissan Frontier, and Ford Ranger. Insurance rates for these vehicles average $2,306 or less per year, or around $192 per month.
Not the cheapest, but still in the top 10, are models like the Honda Ridgeline, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average car insurance cost of $2,448 per year or less.
From a monthly standpoint, car insurance in Fort Collins on this segment for a middle-age safe driver will start around $175 per month, depending on the company and your location. The table below ranks the pickups with the most affordable insurance rates in Fort Collins, starting with the Chevrolet Colorado at $2,096 per year ($175 per month) and ending with the Ram Truck at $2,752 per year ($229 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,096 | $175 |
| Nissan Titan | Full-size | $2,228 | $186 |
| Nissan Frontier | Midsize | $2,250 | $188 |
| Ford Ranger | Midsize | $2,274 | $190 |
| Ford Maverick | Midsize | $2,306 | $192 |
| Honda Ridgeline | Midsize | $2,362 | $197 |
| Hyundai Santa Cruz | Midsize | $2,402 | $200 |
| Toyota Tacoma | Midsize | $2,410 | $201 |
| GMC Sierra 2500 HD | Heavy Duty | $2,420 | $202 |
| GMC Canyon | Midsize | $2,448 | $204 |
| Jeep Gladiator | Midsize | $2,508 | $209 |
| GMC Sierra 3500 | Heavy Duty | $2,524 | $210 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,544 | $212 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,612 | $218 |
| GMC Sierra | Full-size | $2,628 | $219 |
| Chevrolet Silverado | Full-size | $2,630 | $219 |
| Nissan Titan XD | Heavy Duty | $2,630 | $219 |
| Ford F150 | Full-size | $2,664 | $222 |
| GMC Hummer EV Pickup | Full-size | $2,728 | $227 |
| Ram Truck | Full-size | $2,752 | $229 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.
Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Fort Collins car insurance quotes from top-rated auto insurance companies in Colorado.
Cheapest insurance rates for sports cars
The cheapest sports cars to insure in Fort Collins are the Mazda MX-5 Miata at $2,202 per year, the Toyota GR86 at $2,508 per year, and the Ford Mustang at $2,616 per year.
Rounding out the top 10 are models like the BMW M2, Lexus RC F, Subaru BRZ, and Nissan Z, with average rates of $2,846 per year or less.
Additional vehicles worth mentioning include the BMW M3, Lexus LC 500, Chevrolet Camaro, Porsche 718, and Mercedes-Benz AMG GT53, which cost between $2,846 and $4,032 per year for full-coverage insurance in Fort Collins.
On a monthly basis, full-coverage insurance in Fort Collins on this segment can cost as low as $184 per month, depending on your company and location. The rate comparison table below ranks the sports cars with the lowest-cost car insurance in Fort Collins, starting with the Mazda MX-5 Miata at $2,202 per year ($184 per month) and ending with the Porsche Taycan at $4,032 per year ($336 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,202 | $184 |
| Toyota GR86 | Sports Car | $2,508 | $209 |
| Ford Mustang | Sports Car | $2,616 | $218 |
| BMW Z4 | Sports Car | $2,628 | $219 |
| Subaru WRX | Sports Car | $2,670 | $223 |
| Toyota GR Supra | Sports Car | $2,672 | $223 |
| BMW M2 | Sports Car | $2,750 | $229 |
| Nissan Z | Sports Car | $2,756 | $230 |
| Lexus RC F | Sports Car | $2,812 | $234 |
| Subaru BRZ | Sports Car | $2,846 | $237 |
| BMW M3 | Sports Car | $3,006 | $251 |
| Porsche 718 | Sports Car | $3,062 | $255 |
| Chevrolet Camaro | Sports Car | $3,092 | $258 |
| Chevrolet Corvette | Sports Car | $3,296 | $275 |
| Porsche 911 | Sports Car | $3,408 | $284 |
| BMW M4 | Sports Car | $3,554 | $296 |
| Lexus LC 500 | Sports Car | $3,570 | $298 |
| Jaguar F-Type | Sports Car | $3,754 | $313 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,940 | $328 |
| Porsche Taycan | Sports Car | $4,032 | $336 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Colorado.
Cheapest luxury cars to insure in Fort Collins
The four top-ranked luxury car models with the lowest-cost insurance in Fort Collins are the Acura Integra at $2,114 per year, BMW 330i at $2,422 per year, Mercedes-Benz CLA250 at $2,450 per year, and Lexus IS 300 at $2,452 per year.
Other models that are affordable to insure are the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average cost of $2,502 per year or less.
Ranked in the lower half of the top 20, cars like the BMW 330e, BMW 228i, Audi S3, Jaguar XF, and Lexus IS 350 average between $2,502 and $2,668 per year for auto insurance in Fort Collins.
Car insurance rates in this segment for a middle-age safe driver will start around $176 per month, depending on your company and location.
If vehicle size is considered, the cheapest compact luxury car to insure in Fort Collins is the Acura Integra at $2,114 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,450 per year. And for large luxury car models, the Audi A5 is the cheapest model to insure at $2,828 per year.
The comparison table below ranks the cars with the most affordable car insurance rates in Fort Collins, starting with the Acura Integra at $176 per month and ending with the Audi S3 at $222 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,114 | $176 |
| BMW 330i | Compact | $2,422 | $202 |
| Mercedes-Benz CLA250 | Midsize | $2,450 | $204 |
| Lexus IS 300 | Midsize | $2,452 | $204 |
| Acura TLX | Compact | $2,462 | $205 |
| Lexus ES 350 | Midsize | $2,484 | $207 |
| Cadillac CT4 | Compact | $2,486 | $207 |
| Genesis G70 | Compact | $2,492 | $208 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,494 | $208 |
| Lexus RC 300 | Midsize | $2,502 | $209 |
| Lexus IS 350 | Compact | $2,512 | $209 |
| Jaguar XF | Midsize | $2,518 | $210 |
| Cadillac CT5 | Midsize | $2,564 | $214 |
| Lexus ES 250 | Midsize | $2,574 | $215 |
| Lexus RC 350 | Compact | $2,582 | $215 |
| BMW 330e | Compact | $2,584 | $215 |
| BMW 228i | Compact | $2,588 | $216 |
| BMW 230i | Compact | $2,610 | $218 |
| Lexus ES 300h | Midsize | $2,612 | $218 |
| Audi S3 | Compact | $2,668 | $222 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Colorado.
Cheapest luxury SUV insurance rates
The cheapest luxury SUV models to insure in Fort Collins are the Acura RDX at $1,988 per year, the Lexus NX 250 at $2,106 per year, and the Cadillac XT4 at $2,148 per year.
Not the cheapest, but still very affordable, are models like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus UX 250h, and Lexus NX 450h, with an average car insurance cost of $2,294 per year or less.
Additional luxury SUVs worth mentioning include the Infiniti QX60, Mercedes-Benz GLA35 AMG, Acura MDX, Lexus RX 350, and Infiniti QX50, which average between $2,294 and $2,388 per year for insurance in Fort Collins.
Auto insurance rates in this segment will start around $166 per month, depending on your location.
The lowest-cost small luxury SUV to insure in Fort Collins is the Acura RDX at $1,988 per year. For midsize luxury models, the Jaguar E-Pace has the cheapest rates at $2,226 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,668 per year.
The table below ranks the SUVs with the cheapest average car insurance rates in Fort Collins, starting with the Acura RDX at $166 per month and ending with the Lexus RX 350 at $199 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,988 | $166 |
| Lexus NX 250 | Compact | $2,106 | $176 |
| Cadillac XT4 | Compact | $2,148 | $179 |
| Jaguar E-Pace | Midsize | $2,226 | $186 |
| Lexus NX 350h | Compact | $2,244 | $187 |
| Cadillac XT5 | Midsize | $2,246 | $187 |
| Lincoln Corsair | Compact | $2,272 | $189 |
| Mercedes-Benz GLB 250 | Compact | $2,278 | $190 |
| Lexus UX 250h | Compact | $2,282 | $190 |
| Lexus NX 450h | Compact | $2,294 | $191 |
| Infiniti QX50 | Midsize | $2,312 | $193 |
| Mercedes-Benz GLA250 | Compact | $2,320 | $193 |
| Cadillac XT6 | Midsize | $2,328 | $194 |
| Mercedes-Benz GLA35 AMG | Compact | $2,328 | $194 |
| Infiniti QX60 | Midsize | $2,342 | $195 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,344 | $195 |
| Land Rover Evoque | Compact | $2,374 | $198 |
| Acura MDX | Midsize | $2,378 | $198 |
| Lexus NX 350 | Compact | $2,388 | $199 |
| Lexus RX 350 | Midsize | $2,388 | $199 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fort Collins, CO Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Is your luxury SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Colorado.
Tips to find cheaper car insurance in Fort Collins
Fort Collins drivers are always looking to reduce their monthly auto insurance expenses, so run through the tips in this next list and maybe you can save some money insuring your vehicle.
- Reduce coverage on older cars. Dropping comprehensive and collision coverage from older vehicles that are no longer worth much can cheapen the cost to insure significantly.
- Remain claim free and save. Insurance companies offer a discount if you have not filed any claims. Car insurance should only be used for significant financial loss, not minor claims.
- Buy vehicles with cheaper auto insurance rates. The vehicle you choose to drive is one of the primary factors in the price you pay for auto insurance. As an example, a Mazda CX-3 costs $2,868 less per year to insure in Fort Collins than a Nissan GT-R. Buy cheaper models and save money.
- Violations and tickets cost more than a fine. To get affordable car insurance in Fort Collins, it’s necessary to be a good, safe driver. In fact, just one or two driving offenses have the ramification of increasing car insurance rates by at least $630 per year.
- Polish up your credit rating for lower rates. Having an excellent credit score over 800 may save $374 per year when compared to a slightly lower credit score between 670-739. Conversely, a credit score lower than 579 could cost up to $434 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Safe drivers have cheaper Fort Collins car insurance. Causing too many accidents will raise rates, potentially up to $3,396 per year for a 20-year-old driver and as much as $580 per year for a 60-year-old driver. So drive safe and save money!