Aguilar households can compare auto coverage without the runaround with Freedom Insurance Group. Phone (800) 253-1482, or request a quote online.
Aguilar, Colorado: average car insurance rates
Use these amounts as estimates for comparison; they are not guaranteed quotes. Drivers, vehicles, and ZIP code, plus limits, deductibles, credit where allowed, and claims history, determine what you pay.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Aguilar, Colorado | $182.11 |
Cheapest car insurers for Aguilar, CO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $149.22 |
| 2 | Progressive | $162.18 |
| 3 | Safeco | $171.88 |
| 4 | Lemonade | $173.55 |
| 5 | Kemper BVP | $178.87 |
| 6 | Lumen Select | $182.62 |
| 7 | Allstate | $185.17 |
| 8 | Travelers | $185.39 |
| 9 | National General NS | $190.81 |
| 10 | Chubb | $214.73 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,204.22 |
| 20s | $133.89 |
| 30s | $129.83 |
| 40s | $144.77 |
| 50s | $139.62 |
| 60s | $123.05 |
| 70+ | $123.34 |
Check Out Other Rates in Aguilar, CO Nearby Cities:
Coverage explainers for Aguilar drivers
Minimum liability satisfies the legal minimum in Colorado, but it rarely keeps up with the cost of a serious injury claim or a newer financed vehicle. As you compare Aguilar quotes, check each one against the outline below.
- Liability coverage (BI/PD): Coverage that pays other people when you are at fault. Savings, equity in a house, or a long drive through heavy traffic make it worth it to look at higher limits.
- Collision: Repairs your vehicle after a crash with another car or object, minus your deductible.
- Comprehensive: Covers theft, hail, glass breakage, animal strikes, and many non-crash losses, particularly useful where severe weather is common.
- UM / UIM: Protects you if the at-fault driver has little or no insurance. UM/UIM rules vary by state, so ask before you decline it.
- Medical payments or PIP: Availability and stacking depend on state rules, but its job is the same: paying medical bills for you and your passengers after a crash.
- Rental reimbursement: Helps pay for a rental while your car is in the shop after a covered claim.
- Roadside help: On the policy it can undercut a separate club membership and includes towing, battery, and lockout service.
- Higher liability limits & umbrella coordination: Umbrella policies come with underlying limit requirements, so check that your auto limits meet them.
Lenders and lessors almost always require collision and comprehensive for Aguilar vehicles. Going without collision is something we can model on an older, paid-off car after you understand the out-of-pocket risk. In ZIP codes that see frequent storms, recheck glass and hail deductibles.
Aguilar driving and insurance context
Roughly 476 residents call Aguilar home, located in Las Animas County. Residents number about 476. Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
In and around Aguilar, trip patterns matter — short school runs, longer metro commutes, and weekend highway miles each paint a different risk picture for carriers. Hail, wildfire smoke days, and slick winter driving shape local comprehensive claims, and in time they shape the rates carriers file for nearby ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, so two Aguilar neighbors with similar vehicles can still pay different premiums.
If you are new to the Las Animas County area, take a few minutes to confirm how you use the vehicle. Teen drivers, rideshare work, and highway-heavy commutes each move the rate more than a minor trim difference on the same model year. Describe your real driving when you ask for a quote, which lets us match carriers that price that profile aggressively.
Safety features and ownership length affect discounts more than many Aguilar drivers expect. A carrier might credit anti-theft devices or automatic emergency braking more than another, and the same goes for continuous coverage. Rather than typing the same application into ten websites: an independent agent can turn those quirks into a shortlist.
Keep the declarations pages from your current policy handy; it is a small step that helps. Listed drivers, limits, and deductibles are the fastest way to build an apples-to-apples comparison for Aguilar. A quote that looks far cheaper deserves a check: did liability limits drop, did comprehensive disappear, or was a household driver omitted?
Tips and tricks to lower car insurance rates in Aguilar
Shopping well goes beyond just the cheapest binder. Claim multi-policy and multi-car credits before raising deductibles, then re-check the market every policy term; that is how savings stick.
- Compare at least several carriers each renewal. Following storm seasons and shifting loss trends, carrier appetite shifts. Aguilar rankings change: last year’s lowest price may not lead today.
- Only bundle if the math works. A home-and-auto bundle can help, but verify the combined price, not just the auto line in isolation. Start at /get-a-quote/auto-quote and list any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,204.22, far above adult buckets near $123. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Weigh telematics carefully. Hard stops and night miles can undo the savings, while usage-based programs can reward gentle acceleration and low overnight mileage.
- Keep coverage continuous. The premium saved during a gap, even a short one, is usually smaller than what the gap costs later.
- Garage where you say you do. Before you bind, fix any mismatch if the car is kept in Aguilar but insured at another address (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, though each one is small.
Last, document improvements. Roof cameras are a home item, but dash cams, anti-theft devices, and a clean Motor Vehicle Record can still help many auto applications. Share those details to your Aguilar quote review so underwriting does not guess.
Discounts worth asking about in Aguilar
- Multi-policy credit — auto with home or renters.
- Multi-car — several vehicles insured with the same company.
- Claims-free / safe driver — a clean record usually prices better.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — small credits that still stack.
- Safety and anti-theft features — depending on the vehicle and carrier.
Discounts never replace shopping. For the same Aguilar driver, two carriers advertising similar discounts may still land fifty dollars apart.
Aguilar at a glance
Roughly 476 residents call Aguilar home, located in Las Animas County.
Aguilar is a smaller Colorado place without big-city tourism headlines; for insurance, local construction, fire protection access, and regional storm patterns matter most.
Roof age, construction type, and replacement cost explain most of the block-to-block price gaps in a single-family housing mix typical of the Las Animas County area.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
What moves a Aguilar auto quote
Carriers weighing applications from Aguilar look past the sticker price of the vehicle. Coverage lapses, prior bodily injury claims, and comprehensive weather losses can outweigh a clean credit file. On the other side, a long run of continuous coverage plus a modest mileage estimate may lower the rate even if the car is fairly new.
The mileage estimate may be out of date on a hybrid schedule; it is worth asking. Old commute figures linger on many Aguilar policies, leaving households paying for miles they no longer drive. The reverse also applies: a new, longer Las Animas County-area commute means updating the application before a claim exposes a mismatch.
Deductibles and limits for local weather
Because hail, wildfire smoke days, and slick winter driving show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Aguilar. For cars parked outdoors, a lower glass deductible may pay off. With reserves in the bank and a paid-off vehicle, a higher comprehensive deductible can trim premium.
Choose liability limits based on what you own and how much risk you accept, not only the state minimum. On a busy corridor near Aguilar, a serious at-fault accident may quickly outrun minimum limits. So you are not buying numbers you do not understand, we will walk through scenarios.
How Freedom Insurance Group works for Aguilar drivers
We never invent AM Best ratings, and no pretending every carrier is appointed in every niche. Our team shops the markets we can reach, lays out the tradeoffs plainly, and helps you choose limits that fit how you drive in Aguilar and across the Las Animas County area.
Call (800) 253-1482 or begin a free auto quote online. If you also need homeowners coverage, start on the home quote form and we will review bundling options without pressure.
Drivers and vehicles, where the car is garaged, the liability limits you want, and any recent claims make up the conversation. That step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Local driving facts for Aguilar
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Aguilar workers is about 20 minutes. About 16% of commuters spend 45 minutes or longer getting to work, so annual mileage estimates run high for many households. By commute mode, 44% drive alone, 43% carpool, and 9.8% work from home.
By 2020–2024 Census estimates, Aguilar packs about 401 residents into roughly 0.4 square miles of land, a density of about 1,023 people per square mile. The closest Colorado city with more than 100,000 residents is Pueblo, about 60 miles to the north. If you drive there often, count those miles in your estimate.
NOAA’s Storm Events Database lists 1 hail report within about 5 miles of Aguilar from 2016 through 2025. Peak hail size reached 1.25 inches near Aguilar in June 2023. That is big enough to dent panels and crack a windshield, and those claims go through comprehensive. There were also 1 flash-flood report nearby, logged in July 2021; only comprehensive coverage pays for a flood-damaged vehicle.
Across about 248 households in Aguilar, 23% keep three or more vehicles and 17% have two. Roughly 8.1% of households report no vehicle, and anyone who drives occasionally without owning a car can ask about non-owner liability coverage.
By the historical record, Aguilar was founded in 1894 and incorporated on January 10, 1894. The Census Bureau counted 593 people in Aguilar at the 2000 Census and 538 at the 2010 Census; its July 2024 estimate is 447. That is roughly 25% fewer residents than in 2000. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Aguilar from 1950 through 2015, the strongest an F1 on June 10, 1983.
Comparing nearby rates? See our car insurance pages for Walsenburg (17 mi), Trinidad (18 mi), and La Veta (21 mi).
ZIP codes we serve in and around Aguilar
81020
Other Colorado coverage options
Get auto insurance quotes in Aguilar, CO
For Aguilar households, Freedom Insurance Group checks 25+ carriers. Call (800) 253-1482 or begin a free auto quote online.
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