Look over the age-based estimates, carrier rankings, and coverage tips for Ault drivers, then get a real quote from an independent agency.
Free auto quoteCall (800) 253-1482Average Ault, Colorado car insurance rates
Use these amounts as comparison averages and estimates; none of them is a guaranteed quote. Drivers, vehicles, and ZIP code, together with limits, deductibles, credit where allowed, and claims history, determine what you pay.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,168.43 |
| 20s | $125.95 |
| 30s | $120.93 |
| 40s | $142.86 |
| 50s | $125.50 |
| 60s | $107.93 |
| 70+ | $115.02 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Ault, Colorado | $169.64 |
Ault, CO: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $157.33 |
| 2 | Safeco | $160.61 |
| 3 | Travelers | $162.75 |
| 4 | Elephant | $162.89 |
| 5 | Progressive | $164.13 |
| 6 | Lumen Select | $164.45 |
| 7 | Kemper BVP | $172.00 |
| 8 | Allstate | $187.56 |
| 9 | GAINSCO | $195.02 |
| 10 | Chubb | $206.77 |
Check Out Other Rates in Ault, CO Nearby Cities:
Ways to lower car insurance rates in Ault
A low binder price is not the only goal when you shop. The durable wins usually come from cleaning up garaging address accuracy and listed drivers before you compare, then re-checking the market every policy term.
- Compare at least several carriers each renewal. After storm seasons and loss trends, carriers change what they want to write. In Ault, the leader can change year to year: what led last year may not lead now.
- Only bundle if the math works. Home and auto together can help, but verify the combined price, not just the auto line by itself. Begin at /get-a-quote/auto-quote and mention 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 $1,168.43, far above adult buckets near $108. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Night driving and hard braking may cancel any discount, even though usage-based programs can reward gentle acceleration and low overnight mileage.
- Do not let coverage lapse. A lapse, even a short one, tends to cost more than the months you skipped.
- Match garaging to reality. If the car sleeps in Ault but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Stacked together they matter, even if each is minor.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Have those details ready for your Ault quote review so underwriting does not have to guess.
Driving and insurance context in Ault
About 1,622 people live in Ault in Weld County. Population stands near 1,622. After an active storm season, Front Range premiums can move quickly, because of hail, wind, and wildfire exposure.
Annual mileage and garaging ZIP both show up in underwriting since commutes from Ault often combine arterials and highway. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, reflect local weather, especially hail, wildfire smoke days, and slick winter roads. Two neighbors in Ault with similar cars can still pay different amounts: how the car is constructed, prior claims, insurance score where allowed, and the precise garaging address all affect the premium.
Newcomers to the Weld County area should take a few minutes to confirm how they use the vehicle. Rates respond more to driving patterns than small trim differences: highway commuting, rideshare activity, and teen drivers each change the rating story. Tell us how the car is actually driven in your quote request, which lets us match carriers that price that profile aggressively.
Many Ault drivers also underestimate how safety features and how long you have owned the car interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices are weighted differently by each carrier. Those carrier quirks become a shortlist in an independent agent’s hands, so you do not re-key the same application on ten websites.
Another practical detail: keep declarations pages from your current policy handy. Listed drivers, limits, and deductibles are the fastest way to build an apples-to-apples comparison for Ault. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Auto coverage explainers for Ault drivers
The cost of a serious injury claim, or of a newer financed car, usually exceeds state-minimum limits, though those limits satisfy Colorado law. Keep the outline below handy as a checklist while you compare quotes for Ault.
- Bodily injury and property damage liability: Pays others when you are at fault. Think about higher limits if you have home equity, savings, or a long commute through busier roads.
- Collision: Repairs your vehicle after a crash with another car or object, after the deductible.
- Comprehensive: Where severe weather is common, this is the coverage that matters; it responds to theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured and underinsured motorist: If the at-fault driver is uninsured or underinsured, it protects you and your passengers. Ask 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 its job is the same: paying medical bills for you and your passengers after a crash.
- Rental car reimbursement: Keeps you on the road during shop time after a covered claim by helping pay for a rental.
- Roadside coverage: Tows, jump starts, and lockout service, sometimes cheaper on the auto policy than a separate club membership.
- Umbrella coordination and higher liability limits: Umbrellas require certain underlying limits, so check that your auto limits meet them.
Lenders and leasing companies will almost always require collision and comprehensive for Ault vehicles. Dropping collision can make sense for older, paid-off vehicles after you understand the out-of-pocket risk. Hail and glass deductibles deserve a second look in storm-prone ZIP codes.
Ault at a glance
About 1,622 people live in Ault in Weld County.
As a smaller Colorado place, Ault does not have big-city tourism headlines — what matters for insurance is local construction, fire protection access, and regional storm patterns.
Housing here is mostly single-family homes typical of the Weld County area; block by block, replacement cost, roof age, and construction type still drive most premium differences.
After an active storm season, Front Range premiums can move quickly, because of hail, wind, and wildfire exposure.
Ault discounts to ask about
- Multi-policy — auto plus home or renters coverage.
- Multi-car discount — more than one vehicle with the same carrier.
- Claims-free / safe driver — clean histories often earn better rates.
- Driver training & good student — valuable when teens are rated.
- Usage-based / telematics — optional programs that reward safer habits.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Anti-theft & safety equipment — depending on the vehicle and carrier.
Discounts never replace shopping. For the same Ault driver, two carriers with similar credits can still be fifty dollars apart.
Several cars or mixed driving records at home
Driver assignment matters for multi-car households in Ault. One of the most common avoidable rate jumps: putting the priciest driver on the priciest car. Since no two companies rate household drivers the same way, we compare assignment options across carriers.
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. This is why independent agencies exist: no single company’s rules box you in.
What usually changes a quote in Ault
Carriers weighing applications from Ault look past the sticker price of the vehicle. Good credit on file can be outweighed by prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
Hybrid schedule? Ask about adjusting your mileage estimate. Old commute figures linger on many Ault policies, so households overpay for miles they no longer drive. It works the other way too: a longer commute around the Weld County area should go on the application before a claim creates a mismatch.
Freedom Insurance Group for Ault drivers
AM Best ratings are never invented here, nor do we pretend every carrier is appointed in every niche. We shop the markets we can access, explain the tradeoffs in plain language, and help you pick limits that fit your real driving in Ault and around the Weld County area.
Call (800) 253-1482 or begin a free auto quote online. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
Plan to talk through drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. That discovery, not the averages here, are what produce a shortlist of bindable options for your household.
Commutes, cars, and storms in Ault
The NOAA Storm Events Database records 18 hail reports within about 5 miles of Ault from 2016 through 2025. The biggest hail reported was 4.25 inches near Pierce in June 2017. Stones that large can break windows and cause major body damage, and those claims go through comprehensive. There were also 1 flash-flood report nearby, logged in June 2024; flood damage to a car is covered under comprehensive, not collision.
Ault workers spend about 33 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. Roughly 18% of commuters face trips of 45-plus minutes, which adds up in annual mileage. Of all workers, 79% drive alone, 9.0% carpool, and 12% work from home. Because so many work from home, the mileage estimate deserves a fresh look.
Across about 928 households in Ault, 36% have three or more vehicles and 38% have exactly two. That makes multi-car discounts and careful driver assignment worth checking on most policies.
Census estimates (2020–2024) put about 2,425 people in Ault, on roughly 1.8 square miles of land, which works out to about 1,374 per square mile. Greeley, about 12 miles south, is the nearest Colorado city above 100,000 people. Frequent drives to Greeley should be counted in your mileage.
The name honors Alexander Ault. Census counts put Ault at 1,432 residents in 2000 and 1,519 in 2010, and the Census Bureau’s July 2024 estimate is 2,660. That works out to about 86% more residents than in 2000. Federal tornado records from NOAA’s Storm Prediction Center list 34 tornadoes that began within 10 miles of Ault from 1950 through 2015, the strongest an F2 on July 10, 1955.
Comparing nearby rates? See our car insurance pages for Pierce (5 mi), Eaton (5 mi), and Severance (9 mi).
ZIP codes in and near Ault that we insure
80610 · 80615 · 80650
Other Colorado coverage pages
Auto insurance quotes in Ault, CO
Ault residents get a comparison of 25+ carriers at Freedom Insurance Group. Call (800) 253-1482 or begin a free auto quote online.
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