Highlands Ranch Insurance

Image Shows Highlands Ranch Mountains

Highlands Ranch, CO

If you’re looking for insurance in Highlands Ranch START HERE: 25/50/15 for you State Required Liability to get you started and legal on the road.

The chart below shows the average cost for state minimum liability insurance in Highlands Ranch, CO by each carrier.

Mendota Ins. Company$86
The General$95
Progressive Insurance$98
National General$99
Assurance America$107
21st Century$116
Bristol West$119
Liberty Mutual$138
Acceptance RTR$139
State Farm$143
Highlands Ranch Insurance

Insurance Discounts Available In Highlands Ranch

Insurance discounts vary depending upon the insurance company. Some common discounts offered are as follows : Paperless discount, multi vehicle, and multi policy discount.

These all have a mild impact on the rate saving anywhere from $2-$5 a month on average. Heavily weighted discounts, such as Paid in Full and Auto pay will offer the most savings.

Depending on the total premium, you could save $100-$200 if Paid in Full.

Impact on ratesDiscounts Available
MildMulti Policy
MildEducation Discount
HighPaid in Full
MildMulti Vehicle
HighAuto Pay
MildPaperless Discount

Insurance Ratings Factors In Highlands Ranch

Rating factors are used to determine the risk of each individual and is used to calculate the premium. A customer with a Major Violation, such as a DUI or At Fault Accident, will pay more in insurance than a customer with no major violations.

Insurance companies’ figure if a person has several accidents, they are likely to get into another accident, therefore are not a favorable risk. Insurance companies want low risk clients with safe driving records.

What Rating Factors Affect Your Insurance Rates?

FactorRate Impact
Major Violations (DUI, DWI, etc)High
Vehicle Performance (Symbol)Medium
Color of CarNone
Anti Theft DeviceLow
How Many Drivers Per Vehicles ListedMedium
Marital StatusMedium
Claims HistoryMedium

Your Credit And How It Impacts Your Insurance Rates

Some people may not know, credit impacts your car insurance rates, as it does for a lot of things.

A customer with Excellent credit is seen as someone who makes their payments on time and is reliable. On average, a customer with Excellent credit will pay $134 a month whereas someone with poor credit will pay $257 for the same exact coverage.

Credit Impact on Insurance rates in Highlands Ranch

Average Premium by ScoreAverage Cost

How Age And Gender Affects Your Auto Insurance Rates

On average, males pay more for car insurance in their teens to their 50s, then they start to pay less than females.

Females are considered safer drivers, and do not cause as much damage as males do in an accident.

Statistically, older experienced drivers are safer on the road and get into less accidents. These customers are more favorable to insurance companies because the risk is lower, which in return they are offered a lower rate.

16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

Cheapest Full Coverage Insurance In Highlands Ranch

The top three cheapest insurance companies that we work with in Highlands Ranch Colorado, for full coverage are Bristol West, Mendota, and Progressive. They offer full coverage rates ranging $139 to $144 a month.

The highest full coverage rates we found was from Dairyland Insurance. Of course, the rates do vary upon the risk, vehicle characteristics, and coverages desired.

RankCompanyAverage Price
1Bristol West$139.00
5The General$149.00
6Liberty Mutual$189.00
7Dairyland (Viking)$214.00

Liability And Full Coverage Rates In Highlands Ranch

Typical liability rates in Highlands Ranch, Colorado are $457 per year, where as on average for the state it is $510 for the year.

Smaller towns/cities generally pay less in insurance because the accident rates are lower than in the larger cities.

Average Annual Insurance Rates in Highlands Ranch

Liability Insurance Rates in Highlands RanchLiability State Average

Full coverage rates for the year average about $879, that breaks down to be $73 a month on full coverage insurance.

Full Coverage Insurance in Highlands RanchFull Coverage CO average

Company Ratings AM Best And JD Power In Highlands Ranch

Insurance companies are rated by AM Best and JD Power. The highest company’s rated are State Farm and USAA. These companies are rated on several factors, including their customer service, claims department, discounts offered, etc.

It is important to research an insurance company to determine if they will be a good fit for you. Companies with higher rating factors are likely to take care of their customers better, even if the price is a little higher.

State Farm878A++
Liberty Mutual Insurance857A
Auto Club of Southern California Insurance Group866A+
Farmers Insurance865A
Erie Insurance879A+
Amica Mutual898A+
Automobile Club Group857A++
COUNTRY Financial896A+

Top Vehicles We Insure In Highlands Ranch

The top vehicles we insure in Highlands Ranch, Colorado are listed below.

Number one on the list is the Acura, whereas Hyundai is last. The list varies city to city and state to state. Usually, you see a plethora of the same car on the road if it is more affordable and reliable than others. Subaru is ranked number 2 in Highlands Colorado.

4Ford F-Models

Highlands Ranch Weather And Driving Conditions

Driving conditions should be taken into account when leaving your home. On average, the weather in Highlands Ranch, Colorado is high temps of 87 degrees. In the winter months, you could see up to 78 inches of snow per year.

When driving in snowy conditions, drivers should give themselves more time and drive cautiously on the road. Leaving an extra 2 car lengths between you and the person in front of you could be the difference between an accident and not.

Highlands Ranch, Colorado
Summer high: The July high is around 87 degrees
Winter Low: The January low is 18 degrees
Rain: 19 Inches of rain a year
Snow: 78 inches of snow per year

DMV Address And Phone Number For Highlands Ranch

Several things, such as renewing licenses or purchasing tags can be done online rather than making an appointment. Since COVID-19, DMVs have been especially busy and securing an appointment could take weeks, to months. You may be able to skip the hassle and find the resources online. Douglas Drivers License Office, and Colorado MV Express are both listed above.

Below are the surrounding DMV offices in Highlands Ranch, Colorado.

Douglas Driver License Office
2223 Wildcat Reserve Pkwy G1
Highlands Ranch, CO 80129
(303) 660-7440
Colorado MV Express Kiosk
2205 W Wildcat Reserve Pkwy
Highlands Ranch, CO 80129
Additional Colorado Insurance
Motorcycle Insurance Rock Hill
Car Insurance Colorado
Home Insurance Canon City

Last Updated on by Lauren Mckenzie

Spread the love