Side-by-side auto quotes from 25+ companies come from Freedom Insurance Group for Elizabeth, CO.
Elizabeth at a glance
About 1,402 people live in Elizabeth, located in Elbert County.
As a smaller Colorado place, Elizabeth does not have big-city tourism headlines — what matters for insurance is local construction, fire protection access, and regional storm patterns.
Local housing is a mix of single-family homes typical of the Elbert County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities following a busy storm season.
Elizabeth, Colorado: average car insurance rates
These figures are estimates and averages for illustration to help you compare, not a guaranteed price. A real quote reflects the drivers and the vehicles, where the car is garaged by ZIP, the limits and deductibles you pick, credit where allowed, and your claims history.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,181.33 |
| 20s | $140.42 |
| 30s | $130.72 |
| 40s | $145.19 |
| 50s | $140.52 |
| 60s | $113.88 |
| 70+ | $126.07 |
Lowest-priced car insurance companies in Elizabeth, CO
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $156.20 |
| 2 | Safeco | $164.30 |
| 3 | National General 360 | $166.52 |
| 4 | Root | $169.41 |
| 5 | Lemonade | $171.77 |
| 6 | Travelers | $172.55 |
| 7 | GEICO | $172.79 |
| 8 | Chubb | $194.48 |
| 9 | Allstate | $194.80 |
| 10 | National General NS | $205.78 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Elizabeth, Colorado | $180.62 |
Check Out Other Rates in Elizabeth, CO Nearby Cities:
Auto coverage basics for Elizabeth drivers
Protect others you injure and yourself when the at-fault driver is underinsured. Higher limits are often worth the incremental cost.
In severe-weather ZIP codes this is critical: your car is repaired after crashes and non-crash losses such as hail or theft.
Colorado sets a legal floor with minimum liability, yet it rarely matches the cost of a serious injury or a newer financed car. When you compare quotes in Elizabeth, check each one against the outline below.
- Bodily injury & property damage liability: Covers other people when you are at fault. Home equity, savings, or a long commute through dense traffic all argue for look at higher limits.
- Collision: Covers damage to your car when it strikes another car or object, subject to the deductible.
- Comprehensive: Pays for non-crash losses, like theft, hail, cracked glass, and animal strikes, which matters in places with frequent severe weather.
- UM/UIM (uninsured / underinsured): Protection for you if an at-fault driver has no insurance or too little. Before turning down UM/UIM, learn your state’s rules.
- PIP / medical payments: 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 car coverage: Covers part of a rental car while your car is in the shop after a covered claim.
- Roadside help: Towing, battery, and lockout help, often cheaper as a policy add-on than a separate auto club.
- Higher limits & umbrella fit: Umbrellas require certain underlying limits, so your auto limits need to match.
For a financed or leased car in Elizabeth, collision and comprehensive are almost always required. For an older, paid-off car, we can model dropping collision, after you understand what you would pay yourself. In ZIP codes that see frequent storms, recheck glass and hail deductibles.
Elizabeth driving and insurance context
About 1,402 people live in Elizabeth, located in Elbert County. The resident count is roughly 1,402. Hail, wind, and wildfire risk can move premiums quickly in Front Range communities following a busy storm season.
Annual mileage and garaging ZIP both factor into underwriting since commutes from Elizabeth often combine arterials and highway. Slick winter driving, hail, and wildfire smoke days drive comprehensive claims here, and in time they shape the rates carriers file for nearby ZIP codes. That is why two neighbors in Elizabeth can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
If you are new to the Elbert County area, take a few minutes to confirm how you use the vehicle. Rates respond more to who drives and how than a minor trim difference: highway commuting, rideshare activity, and teen drivers each change the rating story. When you request a quote, tell us how the car is really driven so we can match carriers that price that profile well.
Something Elizabeth drivers often overlook: how safety features and ownership length interact with discounts. Some carriers reward automatic emergency braking or anti-theft gear heavily while another barely does, and continuous coverage varies the same way. Differences like these are what an independent agent turns into a shortlist, sparing you ten websites and the same application each time.
Pull up the declarations pages from your current policy; it is a small step that helps. Line up limits, deductibles, and listed drivers; nothing builds faster a like-for-like Elizabeth comparison. Look for lower liability limits, a missing comprehensive line, or a left-off household driver whenever a quote looks dramatically cheaper.
Tips and tricks to lower car insurance rates in Elizabeth
The cheapest binder is only part of shopping. The savings that last tend to come from an accurate garaging address and a correct driver list before you compare, then a fresh market check each term.
- Re-shop several carriers at renewal. Following storm seasons and shifting loss trends, carrier appetite shifts. Last year’s low bid in Elizabeth may not lead today.
- Bundle only when the math works. Compare the bundled total, not the auto line by itself; bundling helps only if the total wins. Begin at /get-a-quote/auto-quote and tell us about 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 $1,181.33, far above adult buckets near $114. 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 reward gentle acceleration and low overnight mileage.
- Stay continuously insured. Even a short gap often costs more than the months you skipped.
- Garage where you say you do. Before you bind, fix any mismatch if the car sleeps in Elizabeth but is insured elsewhere (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, 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. So underwriting does not guess, bring those details to your Elizabeth quote review.
Elizabeth discounts to ask about
- Multi-policy credit — auto paired with home or renters.
- Multi-car discount — several vehicles insured with the same company.
- Claims-free / safe driver — clean histories often earn better rates.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paperless, autopay, and paid-in-full — small credits that still stack.
- Safety and anti-theft features — varies by vehicle and carrier.
Discounts are not a substitute for shopping. The same advertised discounts do not stop two carriers from landing fifty dollars apart for one Elizabeth driver.
Choosing deductibles and limits with local weather in mind
The regional loss record shows slick winter driving, wildfire smoke days, and hail, so the comprehensive deductible in Elizabeth deserves a deliberate choice. When the car stays outside, a lower glass deductible may pay off. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Base liability limits on what you own and how much risk you accept, not only the state minimum. A serious at-fault accident on a busy corridor near Elizabeth can exceed minimum limits quickly. We will walk through scenarios so you are not buying numbers you do not understand.
Mixed driving records and multi-car households
For Elizabeth households with several cars, driver assignment deserves thought. 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. Being stuck inside one company’s rules is exactly what independent agencies help you avoid.
What Freedom Insurance Group does for Elizabeth drivers
AM Best ratings are never invented here, nor do we pretend 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 Elizabeth and across the Elbert County area.
Call (800) 253-1482 or start a free auto quote online. If you also need homeowners coverage, start on the home quote form and we will price bundling options without pressure.
Expect to cover drivers and vehicles, the garaging ZIP code, the limits you want, and recent claims. Those details, not the averages here, are what create a shortlist of bindable options for your household.
What the data says about driving in Elizabeth
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Elizabeth at about 40 minutes. Close to 51% of commuters face trips of 45-plus minutes, so annual mileage estimates run high for many households. Of all workers, 73% drive alone, 12% carpool, and 11% work from home. With that many remote workers, it pays to make sure the policy does not assume a daily commute.
Census estimates (2020–2024) put about 2,244 people in Elizabeth, on roughly 1.5 square miles of land, which works out to about 1,521 per square mile. The closest Colorado city with more than 100,000 residents is Centennial, about 21 miles to the northwest. If you drive there often, count those miles in your estimate.
The NOAA Storm Events Database records 21 hail reports within about 5 miles of Elizabeth from 2016 through 2025. Peak hail size reached 1.75 inches near Elizabeth in June 2023. Hail that size can dent body panels and crack windshields, which falls under comprehensive coverage.
Of the roughly 796 occupied households in Elizabeth, 34% have three or more vehicles and 48% have exactly two. So multi-car credits and driver-to-vehicle assignment are relevant for most households here.
Census counts put Elizabeth at 1,434 residents in 2000 and 1,358 in 2010, and the Census Bureau’s July 2024 estimate is 2,773. That works out to about 93% more residents than in 2000. The NOAA Storm Prediction Center database shows 30 tornadoes that began within 10 miles of Elizabeth from 1950 through 2015, the strongest an F2 on June 4, 1983.
Looking at nearby towns? We also cover Ponderosa Park (3 mi), FrankTown (7 mi), and Kiowa (8 mi).
ZIP codes we serve in and around Elizabeth
80107
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