Independent agents comparing auto quotes from 25+ carriers for Applewood residents, with clear coverage guidance, not hard sell.
Average car insurance rates in Applewood, Colorado
Use these amounts as estimates for comparison; none of them is a guaranteed quote. The premium you are offered will reflect who drives and what they drive, the ZIP code, chosen limits and deductibles, credit where allowed, and your claims history.
Car Insurance Rates by Driver’s Age Group in Applewood
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Applewood, Colorado | $166.54 |
Cheapest car insurers for Applewood, CO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Safeco | $151.02 |
| 2 | National General 360 | $156.91 |
| 3 | GEICO | $157.43 |
| 4 | Progressive | $158.33 |
| 5 | NatGen Premier | $165.04 |
| 6 | National General NS | $173.48 |
| 7 | Bristol West | $173.53 |
| 8 | Travelers | $178.05 |
| 9 | Allstate | $181.33 |
| 10 | Lumen Select | $188.35 |
Check Out Other Rates in Applewood, CO Nearby Cities:
Getting to know Applewood
Applewood has roughly 7,160 residents within Colorado.
Applewood is located in Colorado, where day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost explain most of the block-to-block price gaps across the single-family homes typical of Colorado.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Applewood driving and insurance context
Applewood has roughly 7,160 residents within Colorado. Residents number about 7,160. Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Short school runs, longer metro commutes, and weekend highway trips each look different to a carrier for drivers around Applewood. Slick winter driving, hail, and wildfire smoke days drive comprehensive claims here, and over time they influence the rates filed for surrounding ZIP codes. Two neighbors in Applewood with similar cars can still pay different amounts: prior claims, the exact garaging address, how the car is built, and a credit-based score where allowed all affect the premium.
If you are new to Colorado, take a few minutes to confirm how you use the vehicle. Rates respond more to who drives and how than a minor trim difference: teen drivers, rideshare work, and highway-heavy commutes each move the price. The best match comes from honest details: tell us how you really use the car when you request a quote, and we will match carriers that price that kind of driving competitively.
Safety features and ownership length tie into discounts in ways many Applewood drivers underestimate. Continuous coverage, automatic emergency braking, and anti-theft devices carry different weight from one carrier to the next. Instead of re-keying the same application on ten websites: an independent agent can turn those quirks into a shortlist.
Another practical detail: keep declarations pages from your current policy handy. Limits, deductibles, and listed drivers are the fastest way to build an apples-to-apples comparison for Applewood. Look for lower liability limits, a missing comprehensive line, or a left-off household driver whenever a quote looks dramatically cheaper.
Auto coverage explainers for Applewood drivers
A serious injury claim or a newer financed vehicle usually exceeds state-minimum limits, even though the minimum meets the legal floor in Colorado. As you compare Applewood quotes, check each one against the outline below.
- Liability for bodily injury & property damage: It covers what you owe others after an at-fault crash. If you have home equity or savings, or a long commute in dense traffic, higher limits deserve a look.
- Collision: Pays to repair your vehicle after a crash with another car or object, after the deductible.
- Comprehensive: Handles damage that is not from a collision, like theft, hail, cracked glass, and animal strikes, an important coverage where severe weather is common.
- UM / UIM: Protects you if the at-fault driver has little or no insurance. Find out how UM/UIM works in your state before you decline it.
- Medical payments (or PIP): Whether you can buy it and how it stacks varies by state, but the idea is simple: help with medical bills for you and passengers after an accident.
- Rental reimbursement: When a covered claim puts your car in the shop, it helps pay for a rental.
- Roadside help: Added to the auto policy, it can cost less than a separate club membership and covers towing, battery, and lockout help.
- Higher liability limits & umbrella coordination: Have an umbrella? Check the auto limits against the umbrella’s underlying requirements.
Financed or leased vehicles in Applewood almost always must carry collision and comprehensive. If your car is older and paid off, we can model dropping collision but only after you understand the out-of-pocket risk. Where storms are frequent, recheck glass and hail deductibles.
Discounts Applewood drivers should ask about
- Multi-policy discount — auto plus home or renters coverage.
- Multi-car discount — more than one vehicle with the same carrier.
- Safe driver & claims-free — clean histories often earn better rates.
- Good student & driver training — valuable when teens are rated.
- Telematics / usage-based — optional tracking that rewards careful habits.
- Autopay, paperless, and paid-in-full — minor credits that add up.
- Safety and anti-theft features — depending on the vehicle and carrier.
No discount replaces shopping. Similar advertised credits do not stop two carriers from landing fifty dollars apart for one Applewood driver.
How to lower your car insurance rates in Applewood
A low binder price is not the only goal when you shop. Durable wins usually start with multi-policy and multi-car credits before any deductible increase, then a fresh market check each term.
- Shop several carriers at each renewal. Underwriting appetite moves after storm seasons and loss trends. The carrier that was cheapest in Applewood last year might not win this year.
- Let the math decide on bundling. Compare the bundled total, not the auto line by itself; bundling helps only if the total wins. Start your request at /get-a-quote/auto-quote, noting 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 $1,123.40, far above adult buckets near $109. 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. Night driving and hard braking can erase the benefit, although usage-based programs can reward gentle acceleration and low overnight mileage.
- Keep continuous coverage. Even a short gap often costs more than the months you skipped.
- Get the garaging address right. If the car sleeps in Applewood but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Together they can shift a close 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 still help many auto filings. To keep underwriting from guessing, have those details at your Applewood review.
Multi-car households and mixed driving records
Assigning drivers carefully matters in Applewood homes with more than one car. The most expensive driver on the most expensive car is a common self-inflicted premium spike. We model assignments across carriers because not every company rates household drivers identically.
If someone in the home has a recent ticket or minor accident, do not hide it — underwriting will find it — but do shop markets that are more forgiving for that profile. One company’s rulebook is what an independent agency gets you out of.
What usually changes a quote in Applewood
Carriers weighing applications from Applewood look past the sticker price of the vehicle. A clean credit file may not offset prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. On the plus side, a long run of continuous coverage plus a modest mileage estimate can ease the price even on a relatively new car.
If you work from home some days, ask whether your mileage estimate should change. Old commute figures linger on many Applewood policies, leaving households paying for miles they no longer drive. Before a claim creates a mismatch, update the application if your Colorado commute got longer; the opposite case matters too.
How Freedom Insurance Group helps Applewood drivers
We confirm each carrier’s availability and financial strength for your policy before you buy. Our team shops the markets we can reach, lays out the tradeoffs plainly, and helps you choose limits that fit how you drive in Applewood and across Colorado.
Call (800) 253-1482 or request a free auto quote online. If you also need homeowners coverage, you can start on the home quote form and we will price bundling options without pressure.
Expect a conversation about drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. Those details, rather than this page’s averages, are what build a shortlist of bindable options for your household.
Local driving facts for Applewood
Of the roughly 3,592 occupied households in Applewood, 27% have three or more vehicles and 43% have exactly two. That makes multi-car discounts and careful driver assignment a big deal for many local families.
NOAA storm reports show 38 hail reports within about 5 miles of Applewood from 2016 through 2025. The largest stones measured 2.75 inches near Edgewater in May 2017. Stones that large can break windows and cause major body damage, a loss handled under comprehensive coverage. The same database has 2 flash-flood reports nearby, the latest in July 2019; flood damage to a car is covered under comprehensive, not collision.
Census survey figures show about 8,350 residents in Applewood on 4.1 square miles of land, roughly 2,054 people per square mile. For big-city errands, the nearest Colorado city over 100,000 residents is Lakewood, roughly 4 miles southeast.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Applewood at about 23 minutes. Among workers, 64% drive alone and 28% work from home. Because so many work from home, a stale commute on the policy is a common overcharge.
NOAA Storm Prediction Center records list 12 tornadoes that began within 10 miles of Applewood from 1950 through 2015; the most powerful, rated F2, touched down on June 3, 1981.
Comparing nearby rates? See our car insurance pages for West Pleasant View (1 mi), Golden (2 mi), and Wheat Ridge (4 mi).
ZIP codes we serve in and around Applewood
80401 · 80402 · 80215 · 80033 · 80002 · 80004
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Freedom Insurance Group compares 25+ carriers for Applewood residents. Call (800) 253-1482 or request a free auto quote online.
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