Get Cheap Car Insurance in Golden CO

  1. Residents of Golden Can Save Up To $470 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Golden

 

What's the Cost of Car Insurance in Golden?

We have been able to help several drivers in Golden CO locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Golden Colorado, the annual rates had a difference of up to $572. Specifically, this means that the cheapest price was $921 and the most expensive was $1493.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Golden is important in getting the cheapest car insurance rates.

Lowest Average Highest
$921 $1171 $1493

Insurance Prices: Golden vs. National/State Averages

Golden has low-cost car insurance premiums that are below the state's average. It costs $100 less per year than Colorado's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Golden. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1171 $1271 $1479

Golden CO Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Golden to give you a sense of where you can find the lowest costs.

The difference was -$127 between the cheapest neighborhood in Golden CO with a rate of $1044 on average and a +$569 difference between the priciest area in Golden CO with an average price of $1740.

# Neighborhood Average Rate
  Golden $1171
1 Highlands Ranch +$569
2 Cherry Creek +$499
3 Littleton -$55
4 Brighton -$75
5 Parker -$127

Let's go over some ways to save on car insurance in Golden

Golden Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Golden. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $94 more per year compared to being married, and being a man can typically cost up to $679 more per year in Golden CO as opposed to being a woman.

Golden Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Golden CO is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $3864 a year for insurance on average. This is far higher than the state average of $1271, and $2693 higher than Golden' average. When gender is taken into account the difference between male and female teens in Golden CO is $140.

The effect of DUIs on insurance premiums in Golden CO

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Golden then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1171 all the way up to $2178. That means that on average the cost for conviction in Golden CO can be an increase of $1007.

DUI City Average
$2178 $1171

Find cheap car insurance in Golden quickly and easily

 

Find Local Golden Agents

Paul Erdman - State Farm Insurance Agent

601 16th St Ste B Golden CO 80401

Denver West Insurance Brokers

722 #C205 Washington Ave Golden CO 80401

Farmers Insurance - Rebecca Shirey

607 10th St #206 Golden CO 80401

Golden in Brief

  • $1171

    the average Golden resident's annual cost of coverage

  • $470

    our customer's average savings after comparing insurance

  • 25/50/15

    minimum insurance requirements in Golden CO

Area We Serve

80401, 80402, 80403, 80419

Golden Map

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