Insurance Durango

With more than 2,500 preserved archeological sites, four nearby National Monuments, 13 historic sites, 2 UNESCO World Heritage Sites, and one National Park, Durango boasts unbeatable access to our nation’s best-preserved history.

Auto Insurance Durango- Liability Requirements

What is Liability coverage? It is a coverage that is required in Colorado. This is going to help pay for the expenses of another driver if they have received medical and or property damage because you caused the accident.

As the chart explains below, the coverage required for you auto insurance policy is 25/50/15. That is going to be $25,000 for per person for Bodily Injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage. That average cost is around $510.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Auto Insurance Durango
Auto Insurance Durango
Auto Insurance Durango

DMV Addresses and Phone Numbers

With COVID the DMV may not be currently open, but you can check their websites and see about making an appointment. On the chart below lists the locations, but this is a good site to help find the locations near Durango.

Durango Driver License Office
329-A S. Camino Del Rio
Durango, CO 81303
(303) 205-5600
Auto Insurance Durango
Durango Registration & Titling
98 Everett St. Suite A
Durango, CO 81303
(970) 382-7078
Auto Insurance Durango

Insurance Company Ratings AM Best, and JD Power

Insurance Ratings are an especially important factor. When choosing anything, we want to look at ratings and reviews.

So, the same guidelines should be for auto insurance. You want to make sure you are getting the best rates and coverage for yourself. You also want to make sure you are getting discounts that you may be eligible for.

It is always good to check out each insurance company one by one and see who has the best rating and reviews so you can be assured you made the best choice.

Allstate Auto Insurance853A+
Auto-Owners Insurance870A+
State Farm878A++
Erie Insurance879A+
Auto Club of Southern California Insurance Group866A+
Progressive Auto Insurance856A+
The Hartford (AARP insurance)873A+
Farmers Insurance865A
CSAA Insurance Group847A
Auto Insurance Durango

Durango Weather and Driving conditions

Durango, CO literally has a 4 season year. It can change quickly, so when driving its really smart to be prepared and make sure you check with the weather first.

Durango, Colorado
Summer High: the July in high is around 86.2 degrees
Winter Low: the January low is 12
Rain: averages 18.3 inches of rain a year
Snow: averages 67.4 inches of snow a year
Auto Insurance Durango

Auto Insurance Durango Sample Insurance Rates

How much do you pay for Your Auto Insurance in Durango, Colorado? It’s beneficial for folks shopping for insurance to compare multiple rates from different companies.

Do your research to make sure you are not overpaying on your insurance with your current company.

Sample Rates in Durango, Colorado
Sample Quote/ Policy Location: Durango
Agent :Jola
Current Company: Travelers
Previous Company: the General
Who: Resident
Age: 59
Vehicle: Buick Roadmaster
Type of Coverage: liability insurance full coverage
Notes: policy, accidents
Rate: $173
Sample Quote/ Policy Location: Durango
Agent :Katie
Current Company: Bristol West
Previous Company: American Strategic
Who: Owner
Age: 49
Vehicle: Hyundai Sonata
Type of Coverage: Business insurance full coverage
Notes: quotes, multi policy
Rate: $159
Sample Quote/ Policy Location: Durango
Agent :Crystal
Current Company: Liberty Mutual
Previous Company: State Farm
Who: Male
Age: 65
Vehicle: Buick Rendezvous
Type of coverage: broad form liability
Notes: quotes, deductible
Rate: $135
Sample Quote/ policy location: Durango
Agent :Lauren
Current Company: Progressive
Previous Company: Foremost
Who: Landlord
Age: 31
Vehicle: Lincoln Continental
Type of coverage: motorcycle insurance full coverage
Notes: online, accidents
Rate: $183
Sample Quote/ Policy Location: Durango
Agent :Lauren
Current Company: Progressive
Previous Company: DairyLand
Who: Client
Age: 37
Vehicle: Pontiac Firebird
Type of coverage: motorcycle insurance liability
Notes: motorist, proof of insurance
Rate: $138
Sample Quote/ Policy Location: Durango
Agent :Jola
Current Company: Suncoast
Previous Company: Farmers
Who: Homeowner
Age: 38
Vehicle: Mitsubishi 3000GT
Type of coverage: renters insurance liability
Notes: Discount, Speeding
Rate: $165
Auto Insurance Durango

Auto Insurance Durango Liability And Full Coverage

Many people wonder what full coverage auto insurance really means. Full coverage auto insurance includes comprehensive coverage and collision coverage.

Comprehensive coverage helps to cover theft, fire, breakage of glass, falling objects, and incidents that are not collisions.

Collision coverage helps to pay for damage that occurs from colliding with another vehicle, or an object.

See the data below to see what the average cost for full coverage is in Durango, Colorado.

Liability Insurance rates in DurangoLiability State Average
Full Coverage Insurance in DurangoFull Coverage CO average
Auto Insurance Durango

Auto Insurance Durango Violations

It’s a given that violations can hurt your auto insurance rates. When getting a quote, they will most likely ask you if you have any violations within the last 5 years.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Use Turn SignalMinor3 Years
Crossing over a Center DividerMinor3 Years
Non-At-Fault AcccidentMinorNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
ParkingNon MovingNA*
Driving without a LicenseMajor3 Years
Improper Lane useMinor3 Years
DUIMajor10 Years
Failure to YeldMinor3 Years
Reckless DrivingMajor5 Years
Running a Traffic Light or Stop SignMinor3 Years
Auto Insurance Durango

Auto Insurance Durango Your Credit And How It Affects Your Insurance Premiums

Does Your Credit Affect Your Auto Insurance?
It absolutely does! A study showed that drivers with low credit scores will end up paying up to 91% more in auto insurance than the motorists with great credit scores!

Credit Impact on Insurance Rates in Durango

Average Premium by ScorePrice
Auto Insurance Durango

Top 10 Vehicles We Insure in Durango

Something that you may not know, is that the type of vehicle can affect your insurance rates.

Rumors have it that color matters, but in fact it’s the type of vehicle not the color. Just like anything that involves auto insurance, things that are considered high risk are going to result in higher rates.

11General Motors
Auto Insurance Durango

SR22 Auto Insurance Durango

An SR-22 is not actually insurance itself but rather a form that proves you have the required liability insurance coverage as mandated by the state. People often need an SR-22 if they’ve been involved in certain driving violations, such as DUI/DWI, driving without insurance, or multiple traffic offenses.

To obtain auto insurance with an SR-22 for your Durango, you’ll generally need to follow these steps:

  1. Contact Your Insurance Provider: Reach out to your current auto insurance provider and inform them that you need an SR-22 filing. If they cannot provide it, you may need to find an insurer that specializes in high-risk drivers.
  2. Verify SR-22 Requirements: Make sure to confirm the SR-22 filing requirements with your state’s Department of Motor Vehicles (DMV) or equivalent agency. Each state may have different rules and regulations regarding SR-22 filings.
  3. Purchase the Required Coverage: If your current insurer can’t provide an SR-22, or if you’re shopping for a new policy, look for an insurance company that offers coverage for high-risk drivers. Be prepared for higher premiums due to the added risk.
  4. File the SR-22 Form: Your insurance company will file the SR-22 form with the appropriate authorities on your behalf. Ensure that the filing is done promptly to avoid any potential issues with your driving privileges.
  5. Maintain Continuous Coverage: It’s crucial to maintain continuous auto insurance coverage while you have an SR-22 requirement. Any lapses or cancellations could lead to additional penalties or an extension of the SR-22 filing period.

Remember that the specifics can vary by state, so it’s important to check with your local DMV or a qualified insurance agent for accurate and up-to-date information tailored to your situation.

Progressive Insurance$88
Mendota Ins. Company$98
The General$99
National General$110
21st Century$121
American Family$123
Bristol West$134

What is Auto Insurance Durango?

Auto Insurance Durango provides coverage for vehicles in the Durango area. It ensures financial protection in case of accidents, theft, or damage to your vehicle. A Plus Insurance helps you find the best rates tailored to your needs.

How does A Plus Insurance find the best rates?

A Plus Insurance shops multiple carriers to find you the most competitive rates for auto insurance in Durango. Our extensive network allows us to offer you personalized options that suit your budget and coverage requirements.

Have questions? Call us at 1.888.445.2793.

If you have any questions or need assistance with your auto insurance in Durango, feel free to call us at 1.888.445.2793. Our dedicated team is here to provide you with expert guidance and support.

Should I shop around for cheaper car insurance?

Yes, it’s a good idea to shop around for car insurance to find the most affordable rates. Insurance premiums can vary between providers, and by comparing quotes from multiple carriers, you can potentially save money while still getting the coverage you need.

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Auto Insurance Durango

For more information or to get a quote, call us at 1.888.445.2793.

Last Updated on by Marlon Moss

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