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Cheap Car Insurance in Fort Collins, Colorado

Find cheap car insurance in Fort Collins, a mid-sized college city situated at the base of the scenic Rocky Mountains. Home to an estimated 161,000 residents and Colorado State University, Fort Collins was founded as a military outpost of the U.S. Army in 1864 and today boasts a mix of manufacturing, service and high-tech companies. The university is its largest employer, followed by Hewlett Packard and Poudre Valley Health System.

Driving Conditions in Fort Collins

Interstate 24 runs north-south through the eastern portion of Fort Collins, providing direct access to Denver 65 miles to the south, or Cheyenne, Wyoming, about 45 miles to the north.

Commute times in the Denver metro area are slightly longer than the national average, according to a recent analysis by the Associated Press. The national average is 25.8 minutes, while the average for Denver area commuters is a tad longer, at 26 minutes, according to the study. Overall, the State of Colorado has an average commute of only 22 minutes. Route information and travel alerts can be accessed at

Unique Laws in Fort Collins

Colorado is known as a marijuana-friendly state and has drawn “pot tourism” after becoming the first state to legalize possession of medicinal and recreational marijuana. What many drivers don’t realize, though, is they can be cited for driving under the influence of marijuana, the Colorado Department of Transportation warns. Meanwhile, a much older Colorado law bans riding a horse while under the influence. Other laws that are good to know: You may not “mutilate” a rock within a state park. A law banning sales of alcohol on Sunday was repealed in 2008.

Fort Collins Crime Statistics

Crime in Fort Collins hit a five-year low in 2016, according to data provided to the Colorado Bureau of Investigations for its annual report. A steady trend downward has continued in recent years in every category except theft. Car theft, in particular, was up 56 percent from 2014, the report states. Fort Collins reported a total of 404 motor vehicle thefts in 2016, according to the National Insurance Crime Bureau, or a rate of 121 incidents per 100,000 people. This is lower than the national average of 220 incidents per 100,000 people.

Fort Collins Safety Requirements

Texting while driving is against Colorado state law, and drivers under 18 are prohibited from using cell phones at all while behind the wheel. The Colorado Department of Transportation conducts periodic “seat belt waves” throughout the year to enforce its seat belt laws. Colorado in 2011 passed an enhanced booster seat law mandating that children up to age 8 must ride in either a child restraint system or properly fitting booster seat. The fine for not buckling is $65 and parents caught with an improperly restrained child are fined $82.

Fort Collins Impaired Driving Laws

In Colorado, DWAI, or driving while ability impaired, is usually a misdemeanor involving motorists who have consumed alcohol or drugs or both. When a blood or breath test result is between 0.05 and 0.08, then a person is likely to be charged with DWAI. However, when the result is at or over 0.08, the driver will most likely be charged with DUI, or driving under the influence. DWAI convictions do not normally result in license revocations, but DUI convictions do. In 2015, Colorado enacted a law making an a fourth DUI conviction automatically eligible for a class 4 felony. For the best insurance rates in Fort Collins, contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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